Eligible Life Milestones:

• Getting married
• Purchasing or owning a property
• Having a child or pregnant
• Starting your first job
• Starting your own business
• Receiving a job promotion

Eligibility:

You qualify for this reward if you are:

• An active client with at least one active insurance policy or investment account under my servicing; or
• An active member of a group life or medical insurance plan (e.g., PRU@work, PRUgroup Life);
• Non-Eligible Scenarios: Inactive clients with only lapsed, cancelled, or surrendered policies;

Campaign Period:

Valid from 09 Mar 2026 to 31 Dec 2026.

Reward Criteria:

• The milestone event must occur between 1 January 2026 and 31 December 2026. Backdated or advance claims are not allowed.
• Each eligible client may claim a maximum of one (1) milestone reward during the campaign period.

How to Claim:

• Provide reasonable verification of the milestone (e.g., marraige cert, birthcert or gynea appointment, property SPA, promotion letter, etc.).
• Upon verification, the RM20 Touch ‘n Go voucher will be issued to you.

Voucher Rewards:

• The value excludes any transaction charges imposed by platform operators;
• Vouchers are non-transferable and not exchangeable for cash;
• If the person entitled to the reward does not have a Touch ’n Go eWallet account, they may opt to receive a Grab voucher instead. If neither option is available, the reward will not be able to be paid.

Eligible insurance services, including:

• Fire Insurance
• Product Liability
• Professional Indemnity (Medical Malpractice Insurance & PI for Director’s )
• Car Insurance (excluding road tax charges)
• Life Insurance or Takaful Plans (including critical illness & accidental coverage, medical & prenatal plans)

Eligibility:

You qualify for this reward if you are:

• An active client with at least one active insurance policy or investment account under my servicing;
• An inactive client that return to subscribe a different plan than the lapsed, cancelled, or surrendered policies;
• An active member of a group life or medical insurance plan (e.g., PRU@work, PRUgroup Life);
• A new policyholder referred by an active or inactive client or a new policyholder from external sources (e.g., website or events), provided you have no prior policy history under my servicing;
• Non-Eligible Scenarios:
  • Inactive clients with only lapsed, cancelled, or surrendered policies returning to resubscribe the lapsed, cancelled, or surrendered policies;
  • Policies acquired through tender or corporate procurement;
  • Clients who were initially introduced or served by another agent are not eligible for this campaign.

Campaign Period:

Valid from 01 April 2026 to 31 December 2026.

Reward Criteria:

• This campaign applies to eligible policies with annual premiums (exclude tax, stamp duty, and investment/savings premiums) starting from RM500.
• Voucher rewards will be issued only after premium payment confirmation:
  • If annual or half yearly premium is paid directly to the insurance company, vouchers will be issued one month after the policy commencement date or after commission receipt, whichever is later.
  • If annual or half yearly premium is paid to Antony Wealth Advisory company’s current account, vouchers will be issued one month after the policy commencement date.
  • For premiums paid monthly or quarterly, vouchers will be issued after receiving at least six months’ worth of premiums.
• Rewards are only issued once per policy, and do not apply to renewals, reinstatement & policy upgrade;
• You may redeem this reward multiple times, provided each new policy meets all the campaign terms;
• Special Scenarios:
  • If the policyholder is a business entity owned by an eligible client, the reward will be issued to the owner who initiated the application;
  • In cases with multiple owners, only the initiating owner will be rewarded;
  • If multiple eligible policies are subscribed during the campaign, each policy qualifies for its own reward;
  • Any medical report request or application-related costs not covered by the insurer will be deducted from the client’s reward; if costs exceed the reward, no reward will be payable and no additional payment will be required from the client.
• If a policy rewarded through this campaign is cancelled from inception, terminated, lapses, or the premium remains unpaid before the voucher is issued, the reward will be forfeited and not granted.
• If the policy is cancelled from inception, terminated, lapses, or the premium remains unpaid within 6 months after voucher issuance, the client will become ineligible for any future rewards under this campaign.

Voucher Rewards:

• Voucher eligibility and tiering are based on the total annual premium, regardless of how the premium is paid (lump sum or installment).
• If the person entitled to the reward does not have a Touch ’n Go eWallet account, they may opt to receive a Grab voucher instead. If neither option is available, the reward will not be able to be paid.
• The value excludes any transaction charges imposed by platform operators;
• Vouchers are non-transferable and not exchangeable for cash;
• Voucher value is calculated on each individual policy’s annual premium (excluding tax and stamp duty) and cannot be aggregated across multiple policies to qualify for a higher-tier reward.
• Additional voucher will be added if you subscribed to the following:
  • Fire Insurance
  • Life Insurance / Takaful (with medical, critical illness, accident or prenatal benefits attached)
  • Professional Indemnity for Directors
  • Medical Malpractice Insurance for Establishment
• Reward according to the voucher tiers listed below:

Eligibility:

• Anyone may participate and refer new clients.
• The referred client must successfully subscribe to an insurance policy under my servicing.
• The referral must be a new policyholder or a new policy not previously held under my servicing.
• Non-Eligible Scenarios:
  • Policies acquired through tender or corporate procurement;

Campaign Period:

Valid from 01 April 2026 to 31 December 2026.

Reward Criteria:

• There is no limit on the number of referrals you may make.
• Referral rewards are calculated based on the new policy subscribed by the referred individual, not the introducer’s own policy. Self-referral is not eligible for rewards.
• Voucher rewards will be issued only after premium payment confirmation:
  • If premium is paid directly to the insurance company, vouchers will be issued one month after the policy commencement date or after commission receipt, whichever is later.
  • If annual or half yearly premium is paid to Antony Wealth Advisory company’s current account, vouchers will be issued one month after the policy commencement date.
  • For policies paid monthly or quarterly, vouchers will be issued after receiving at least six months’ worth of premiums.
• Rewards are only issued once per policy, and do not apply to renewals, reinstatement & policy upgrade;
• You may redeem this reward multiple times, provided each new policy meets all the campaign terms;
• Special Scenarios:
  • If the referral is a business entity, only the eligible introducer who initiated the application will receive the voucher reward. The reward will not be paid if the business entity owner is also the introducer to avoid conflict of interest.
  • In dispute situations (multiple introducers), the voucher will be awarded only to the verified introducer recorded in writing (e.g. messages) by the referral.
  • If the referral does not identify the introducer, the reward will only be granted if the introducer identifies themselves within the campaign period. No rewards will be given retroactively once the campaign has ended.
• Referral rewards are non-transferable and cannot be exchanged for cash.
• If the referred policy is cancelled from inception, terminated, lapses, or the premium remains unpaid before the voucher is issued, the introducer will not be eligible to receive the referral voucher.

Voucher Rewards:

• Voucher eligibility and tiering are based on the total annual premium, regardless of how the premium is paid (lump sum or installment).
• If the person entitled to the reward does not have a Touch ’n Go eWallet account, they may opt to receive a Grab voucher instead. If neither option is available, the reward will not be able to be paid.
• The value excludes any transaction charges imposed by platform operators;
• Vouchers are non-transferable and not exchangeable for cash;
• Voucher value is calculated on each individual policy’s annual premium (excluding tax and stamp duty) and cannot be aggregated across multiple policies to qualify for a higher-tier reward.
• Reward according to the voucher tiers listed below:

Eligibility:

• Any parent with child under 18 year old.
• Able to put aside as low as RM100 a month.

Terms:

• This offer is only applicable to a joint investment account opened with your child, who is below the age of 18, and must be used for designated funds.
• A normal sales charge will apply once the minor reaches 18 years of age.
• This offer only applies to newly opened investment accounts with a new bank auto deduction instruction mandate.
• Each parent can open such joint account with the same child.

Disclaimer:

This is a unit trust investment option, and its performance is based on market conditions, which means returns are not guaranteed. This investment offer is provided by the investment firm for specific funds. For more information, please feel free to contact me directly or refer to more details here: Eastspring Investment RICH Kids Campaign