This insurance plan is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No.198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.

Death Benefit

1. If the life insured dies from suicide, whether sane or insane, within 1 year from the policy issue date, we will not pay the death benefit and will refund all premiums paid without interest and less any policy debt, medical or other expenses we have had to pay in connection with this policy and this policy ends.
2. If the life insured dies from suicide, whether sane or insane, within 1 year from the date of the most recent reinstatement of the policy, we will not pay the death benefit and will refund all premiums paid from the start date of the most recent reinstatement without interest and less all guaranteed cash benefit, any policy debt, medical or other expenses we have had to pay in connection with this policy and this policy ends.
3. If the life insured dies from suicide, whether sane or insane, after 1 year from the policy issue date or the date of the most recent reinstatement of this policy but before 1 year from the date of any increase to the premium resulting from an increase in sum insured, we will not pay the increase in death benefit and will refund the additional premiums paid for the increase in the sum insured, without interest and less all guaranteed cash benefit, any policy debt, medical or other expenses we have had to pay in connection with the request to increase the sum insured and this policy will end.
4. If the new life insured dies from suicide, whether sane or insane, within 1 year of the exchange date, we will not pay the death benefit and will refund all premiums paid without interest and less all guaranteed cash benefit, any medical or other expenses we have had to pay in connection with this policy and this policy will end.

Terminal Illness (TI) Benefit

The terminal illness benefit will not be payable if the terminal illness is caused by the presence of Human Immunodeficiency Virus (HIV) infection.

Total and Permanent Disability (TPD) Benefit

The total and permanent disability benefit will not be payable if the disability is caused by any of the following:

1. any self-inflicted injury or attempted suicide, while sane or insane;
2. the life insured being under the influence of any narcotic, alcohol, gas or fumes, voluntarily taken, administered, absorbed or inhaled or drugs not prescribed by a medical examiner;
3. war or any act incident to war, or service in the armed forces or in a civil defense force supporting any country at war except for peacetime national service duties;
4. riot, insurrection, civil commotion, strikes or terrorist activities, unless the life insured is a victim;
5. any pre-existing condition; or
6. injuries suffered while travelling on any aircraft, except:
1. as a fare-paying passenger or a crew member including a pilot on an aircraft licensed for passenger service and operated by a regular airline on a scheduled route, or
2. an aircraft operated by the Republic of Singapore Air Force.

"War" means any war, declared or not, or any conflict between the Armed Forces of countries, international organisations or combinations of the above.

"Armed Forces" means the military, naval and air forces of any country or international organizations.

"Pre-existing condition" means (a) the diagnosis of any condition listed in Table A; or (b) the occurrence of any of the following events in relation to any condition listed in Table A, before (1) the policy issue date, (2) the date we approve your change of life insured request, or (3) the most recent reinstatement date of this policy, whichever is the latest:

1. such condition has presented sign or symptom which you or the life insured was aware of or should have been aware of, and should have sought medical advice or treatment;
2. treatment, test or investigation was recommended by or received from a medical examiner for such condition; or
3. the life insured has arranged or received medical consultation, test or investigation for such condition.

Table A - List of Conditions

1	AIDS/HIV infection	11	Motor neuron disease
2	Aplastic anaemia, Thalassaemia major or blood disorders	12	Multiple sclerosis
3	Auto-immune diseases	13	Muscular dystrophy
4	Cancer	14	Paralysis (Hemiplegia/Paraplegia/Quadriplegia)
5	Dementia/Alzheimer's disease	15	Parkinson disease
6	Diabetes with complications; Diabetes with Hypertension; Diabetes with Hyperlipidaemia; Diabetes with Hypertension and Hyperlipidaemia; or Hypertension with Hyperlipidaemia, in an individual whose subsequent claim is due to stroke, heart attack, kidney damage, diabetic neuropathy, or diabetic retinopathy	16	Psychiatric or mental illness
7	Illnesses/conditions which led to a joint/limb/spinal/eye/mental condition	17	Pulmonary hypertension
8	Ischaemic heart disease/Coronary heart disease, heart valves disorders or arrhythmia (irregular heartbeats)	18	Renal failure or renal dialysis
9	Liver disorders, liver cirrhosis, hepatic encephalopathy or liver failure	19	Rheumatoid arthritis
10	Lung disease	20	Stroke/Cerebrovascular disorders, tumour of the brain or Arteriovenous Malformation

You will find the precise terms, conditions and exclusions in the policy contract.