1.1  The Sun Enrich Extra-i Client Exclusive (“Promotion”) is organised by Sun Life Malaysia Assurance Berhad and Sun Life Malaysia Takaful Berhad (collectively, “Sun Life Malaysia”).

1.2  The Promotion shall commence on 3 March 2026 and end on 3 June 2026, both dates inclusive (“Promotion Period”), unless otherwise amended, extended, suspended, or terminated by Sun Life Malaysia at its sole discretion.

1.3  By participating in this Promotion, eligible clients are deemed to have read, understood, and agreed to be bound by these Terms and Conditions.

2.1  This Promotion is open only to pre-selected and invited clients who meet all the following criteria:

a)  Malaysian citizens;

b)  Aged eighteen (18) years and above;

c)  Hold at least one (1) in-force regular premium / regular contribution policy with Sun Life Malaysia, as identified under Sun Life Malaysia’s pre-selection criteria for this Promotion;

d)  Are not on premium holiday, premium suspension, and have no outstanding premiums at the point of participation; and

e)  Are specifically identified and invited by Sun Life Malaysia through its authorised distribution channels;

f)  This Promotion is not applicable to policies where the contribution is paid by a corporate payor;

g)  Sun Life Malaysia reserves the right to exclude any person or category of persons from participating in this Promotion at its sole discretion.

2.2  The Promotion applies to:

a)  Eligible clients purchasing Sun Enrich Extra-i for themselves; and

b)  Eligible clients purchasing Sun Enrich Extra-i for their immediate family members, including spouse, children, and parents, subject to product eligibility requirements.

Self	✔ Yes	Must meet product eligibility requirements
Spouse	✔ Yes	Legally married spouse
Children	✔ Yes	Biological or legally adopted
Parents	✔ Yes	Biological or legal parents

2.3  Sun Life Malaysia reserves the right to reject any application or participation without assigning any reason.

3.1  During the Promotion Period, eligible clients who successfully purchase a new Sun Enrich Extra-i policy shall be entitled to a ten percent (10%) discount on the first-year contribution, subject to product eligibility requirements.

3.2  The discount applies only to the first-year contribution and shall not apply to any subsequent contribution years.

3.3  This Promotion applies only to new Sun Enrich Extra-i policies and does not apply to:

a)  Existing policies;

b)  Policy alterations, top-ups, reinstatements, or replacements.

3.4  Each eligible life assured is entitled to participate once only during the Promotion Period, unless otherwise approved by Sun Life Malaysia.

4.1  For policies with an annual contribution mode, the ten percent (10%) promotional discount shall be applied as an upfront deduction from the first-year contribution.

4.2  For policies with semi-annual, quarterly, or monthly contribution modes, the policy owner is required to pay the full equivalent of twelve (12) months’ contributions. Upon successful receipt of the full first-year contribution and subject to the policy remaining in force, the ten percent (10%) promotional discount shall be credited back to the policy owner’s nominated bank account in the thirteenth (13th) month.

4.3  The promotional discount shall be credited back to the policy owner’s nominated bank account in the thirteenth (13th) month and is expected to be fulfilled within thirty (30) days after completion of the full first-year contribution, subject to the policy remaining in force.

4.4  The promotional discount shall apply once per eligible policy and shall not be accumulated, carried forward, or applied to any future contribution years.

4.5  If the policy lapses, is surrendered, cancelled, or terminated before completion of the full first-year contribution, the promotional discount shall be forfeited and Sun Life Malaysia shall have no obligation to provide the discount or any replacement benefit.

4.6  In the event of early surrender or termination of the policy after the promotional discount has been credited back, Sun Life Malaysia reserves the right to recover or claw back the promotional discount, whether by deduction from any policy benefits payable or by any other lawful means.

5.1  All applications under this Promotion are subject to product eligibility requirements.

5.2  For annual contribution policies, the discounted contribution shall be reflected in the policy documentation. For non-annual contribution policies, the discount shall be fulfilled via credit-back in accordance with Clause 4.2 and 4.3.

5.3  Failure to maintain contribution payments in accordance with policy terms may result in policy lapse, and Sun Life Malaysia shall not be liable for any loss of benefits.

6.1  Sun Life Malaysia reserves the right to amend, suspend, extend, or terminate this Promotion and/or vary these Terms and Conditions at any time, subject to regulatory approval where applicable.

6.2  Sun Life Malaysia’s decision on all matters relating to this Promotion shall be final and binding, and no correspondence or appeals shall be entertained.

6.3  The Promotion is not transferable, not exchangeable, and not redeemable for cash.

7.1  By participating in this Promotion, participants consent to the collection, use, and processing of their personal data by Sun Life Malaysia for purposes relating to the Promotion, policy administration, and compliance with legal and regulatory obligations.

7.2  Personal data shall be handled in accordance with Sun Life Malaysia’s Privacy Policy and applicable Malaysian data protection laws.

8.1  To the fullest extent permitted by law, Sun Life Malaysia shall not be liable for any loss, damage, or expense arising directly or indirectly from participation in this Promotion.

8.2  Participants agree to indemnify Sun Life Malaysia against any claims arising from their participation, except where such liability arises from Sun Life Malaysia’s wilful misconduct.

9.1  These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia.

9.2  The courts of Malaysia shall have exclusive jurisdiction over any disputes arising from this Promotion.