Enter promo code HELLO2020 to receive a 20% rebate on your first year's premium when paying annually.

• The following Terms & Conditions shall apply to Fi Life Sdn Bhd’s (“FIL”) New Year 2020 Rebate Campaign (hereinafter referred to as “the Campaign”) which shall be held from 9:00AM on 23/12/2019 to 11:59PM on 19/01/2020 (hereinafter referred to as “Campaign Period”).
• By participating in this Campaign, you hereby agree to be bound by the following Terms and Conditions.
• The Campaign’s Terms and Conditions shall only apply to purchase made during Campaign Period.

• A valid “promo code” (obtainable from FIL’s website, events, advertisements or other sources) must be entered by an eligible participant (“Participant”) during the purchase of Life Insurance or Personal Accident Cover (“Policy”) for this offer to be valid.
• During the Campaign Period, Participants who chose Annual Payment Mode to purchase the Policy will be given 20% rebate on their first year’s premium (“the Reward”).
• The Reward is only payable to the cardholder (“Payor”).
• The Payor will receive the Reward within 45 days after the Campaign Period.
• The Reward is withdrawn and will no longer be valid if Participant cancels the Policy within the 15 days free look period.
• The Reward will be paid to the Payor via direct bank transfer.
• Participant is expected to provide Payor’s bank details when asked by FIL, for the purpose of rebate payment via direct bank transfer.
• The reward is not exchangeable or replaceable under any circumstances.

• By participating in the Campaign, Participants are deemed to have agreed to be bound by these Terms & Conditions. FIL’s decision on all matters relating to the Campaign is final, binding and conclusive. No correspondence, queries or appeals will be entertained.
• FIL reserves the right to cancel, terminate, suspend or extend the Campaign with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by FIL shall not entitle any of the Participants to any claim or compensation against FIL for any losses or damages suffered or incurred by the Participants as a direct or indirect result of the cancellation, termination or suspension.
• FIL reserves the right at its absolute discretion to amend, delete or add to any of these Terms and Conditions at any time with or without prior notice. Any variation, additions, deletions or amendments to the Terms and Conditions herein shall be binding on the Participants and be deemed to be brought to the attention of the Participants through any notice via email or website, if applicable.
• FIL shall not be held liable and/or responsible for any loss, damage or any other form of liability (including indirect, consequential or economic losses, loss of profits, and loss of opportunity) in whatsoever nature and howsoever arising or suffered by any Participants directly or indirectly from the Campaign.
• FIL shall not be held liable for any default of its obligation under the Campaign due to any force majeure event which include but is not limited to an act of God, war, riot, lockout, industrial action, fire, flood, drought, store or any event beyond the reasonable control of FIL.
• This Campaign shall be governed by and construed in accordance with the laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia.