1. This Standard Chartered Bank Life Insurance offer (“Promotion”) is available from 1 October 2025 to 31 December 2025, both dates inclusive (“Promotion Period”).
2. By participating in this Promotion, you agree to be bound by these terms and conditions (T&Cs).
3. The signed applications must be received and accepted by Zurich International Life between 1 October 2025 to 31 December 2025, and policies must be issued on or before 15 January 2026.
4. Only regular premium life insurance products are eligible for this Promotion (International Term Assurance, International Decreasing Term Assurance, Futura, and Global Choice). The Wealth Accumulation plan and Critical illness protection plans are excluded from this offer.
5. To be eligible for the offer, clients must meet the minimum monthly premium requirements, as per the table below:

Products	Minimum Monthly premium requirement (USD)	Reward
International Term Assurance (ITA) / International Decreasing Term Assurance (IDTA)	350	Whoop Peak
	750	Whoop Life
	1,250	iPhone 17 + Whoop Life
	2,000	iPhone 17 Pro + Whoop Life
Futura	500	Whoop Peak
	1,200	Whoop Life
	1,800	iPhone 17 + Whoop Life
	3,000	iPhone 17 Pro + Whoop Life
Global Choice	4,000	Whoop Life

6. The redemption confirmation will be sent to eligible clients on their registered email address with Standard Chartered Bank, UAE, upon successful payment of the 3rd month’s premium as per the below table*:

Qualifying transaction made during this period	Reward will be released on or before the below date:
1 October – 31 October 2025	15 January 2026
1 November  – 30  November2025	15 February 2026
1 December – 31 December 2025	15 March 2026

*These are provisional dates and could vary depending on when premium collection is successful.

7. The eligible clients will have their devices handed over physically by their respective relationship managers and/or insurance specialist and/or via the Bank’s courier partner, whichever is more convenient and feasible.
8. This Offer is limited to one reward, as per the devices listed above, whichever is applicable as per the required qualifying criteria.
9. The corresponding reward is not transferable or exchangeable for cash, credit, or any other items in part or whole.
10. The Bank does not offer or provide any warranties or accept any responsibility or liability concerning the device given under this Offer.
11. The Bank and Zurich International Life are not responsible for any loss, damage and/or injury sustained by the client or any other person arising directly or indirectly from using the iPhone or Whoop device.
12. Apple / Whoop are not participants in or a sponsor of this program.