OCEAN LIFE Save Sure 10/5

1. Non-contestation or Objection to the Incompleteness of the Insurance Contract
   The company will not contest or object to the incompleteness of this insurance contract once the policy is in force, provided that the insured has been alive for a period of at least two years (2 years) from the effective date of coverage under the policy, or if the policy has been renewed, from the effective date of coverage under the renewal, or from the date the policy was reinstated to its previous status, or the date the company approves the increase in the sum insured. This is applicable only to the increased sum insured. However, this does not apply if the insured has no insurable interest in the event of insurance or if the age declaration is incorrect to the extent that the actual age exceeds the underwriting limits for the applicable premium rates.
   If the company becomes aware of information that would allow the cancellation of the contract under the terms of Clause 1, but does not exercise the right to cancel the contract within one month (1 month) from the date it becomes aware of such information, the company may not cancel the completeness of the contract in this case.
2. Suicide or Homicide
   The company will not pay the benefits under the policy in the following cases:
   2.1 If the insured commits suicide voluntarily within one year (1 year) from the effective date of coverage under the policy, or if the policy is renewed, from the effective date of coverage under the renewal, or from the date the policy was reinstated to its previous status, or the date the company approves the increase in the sum insured, applicable only to the increased sum insured. In this case, the company's liability will only be limited to refunding the premiums paid for life insurance to the company, including premiums paid for policy renewal or reinstatement or for the increased sum insured, as the case may be.
   2.2 If the insured is intentionally killed by the beneficiary, the company's liability will only be limited to refunding the policy surrender value to the heirs of the insured, under the following conditions:
      2.2.1) If the policy has no surrender value, the company will, at its discretion, refund the premiums paid for life insurance to the heirs of the insured.
      2.2.2) If there are multiple beneficiaries, and one beneficiary is not involved in intentionally killing the insured, the company will pay the sum insured to the beneficiary not involved in the death, excluding the share of the beneficiary who caused the death, and this portion will not be refunded.
   In cases of refunding premiums or policy surrender value due to suicide or homicide, the company reserves the right to deduct any liabilities associated with the policy.

- % means the percentage of the sum assured.
- Underwriting is subject to the Company’s terms and conditions.
- Benefits and coverage are subject to the health insurance policy’s terms and conditions.
- Life insurance premiums are eligible for personal income tax deductions in accordance with the criteria set by the Revenue Department.
- Policyholders who wish to claim life insurance premiums for personal income tax deductions must declare their intent and provide consent for the company to submit their premium information to the Revenue Department.
- The information in this document serves as a preliminary overview of the insurance product. Prospective policyholders and insured individuals should review additional details and fully understand the coverage terms, benefits, and exclusions before making a purchase decision. Upon receiving the policy, please review it thoroughly.