ABOUT THE APIA FUNERAL INSURANCE EGIFT OFFER

TAL Direct is making a $100 eGift card offer to eligible customers upon their purchase of a new Apia Funeral Insurance policy only under these terms and conditions (eGift Offer).

Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life or insurer) and promoted by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). TAL Direct and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not a part of the Suncorp Group and TAL Direct and TAL Life use the Apia brand under license from the Suncorp Group. The following terms and conditions apply to the eGift Offer.

HOW THE EGIFT OFFER WORKS

1. The Apia Funeral Insurance eGift Offer commences on 3^rd of December 2024 at 00:01 AM (AEDT) and concludes 31^st of March 2025 at 23:59 PM (AEDT) (the “Offer Period”).
2. The primary Policy Owner who applies and is accepted for an Eligible Apia policy and who is so named in the Policy Schedule (“Eligible Customer”) is entitled to only one eGift card per eligible policy type (“the eGift”).
3. Subject to the terms and conditions of this eGift Offer, Eligible Customers will be able to redeem a $100 choice eGift Card (“Gift”). The choice eGift can be redeemed with 60+ leading retailers. Each eGift card allows the receiver to swap for up to 4 brands for the card value and saved to a mobile wallet for contactless shopping instore and online.
4. The eGift card is issued by True Rewards (www.truerewards.com.au/terms-and-conditions).TAL Direct reserves the right to change the eGift card issuer at any time.
5. To receive an eGift, the Eligible Customer must complete an application for an Apia Funeral policy during the Offer Period and be issued with a policy with a Policy commencement date prior to 1^st of May 2025.
6. This eGift Offer is made solely by TAL Direct. The insurers issuing the insurance policies are not responsible for any aspect of this eGift Offer. Prize Brokers Pty Limited ABN 13 135 826 747 is responsible for the administration and fulfilment of this eGift Offer.
7. The eGift Offer Period may be amended by TAL Direct, in which case, a new or revised set of terms and conditions will be published on the website https://apply.apia.com.au/funeral/static-pages/apia/life-offer-100terms.html
8. This eGift Offer is not available in conjunction with any other offer.
9. TAL Direct reserves the right to alter or revoke this eGift Offer at any time.

OFFER ELIGIBILITY

10. Australian residents who are eligible to apply for and be covered under a new Apia Funeral Insurance policy for themselves and/or another eligible adult are eligible for this eGift Offer.
11. Information provided to TAL Direct when applying for and purchasing an Apia Funeral policy may be used for the purposes of providing insurance cover, administering the eGift Offer and for making future marketing offers unless you tell us otherwise. Information is collected and may be used by TAL Direct in accordance with its Privacy Policy which is available at https://www.tal.com.au/privacy-policy
12. To be eligible to receive the eGift Offer the Eligible Customer must have held the Apia Funeral Insurance policy for 4 consecutive months and paid the relevant premiums in full for those 4 months. 4 months policy held is equal to 120 days.

For customers paying monthly the 4 months premium paid is calculated as annual premium divided by 12 months multiplied by 4. For Example: $1,000 annual premium ÷ by 12 x 4 = $333.33
For customers paying fortnightly, the four-month premium is calculated as follows: annual premium ÷ 26 fortnights multiplied by 8 = 4 months. For Example: $1,000 annual premium ÷ 26 = $38.46 x 8 fortnightly payments equals to $307.69.
Premiums may take up to 14 days to be processed.

13. Employees and their immediate families of TAL Direct, the insurers, agencies, companies and related bodies corporate associated with the eGift Offer are eligible to enter by complying with these terms and conditions.
14. TAL Direct accepts no responsibility for any late, lost or misdirected eGift Offer enquiries, including enquiries not received by TAL Direct or delays in the delivery of enquiries due to technical disruptions, network congestion or for any other reason.
15. An Eligible Customer is only eligible to receive one eGift per eligible policy type. If there are two people named on one policy only the primary policy holder is eligible to receive the eGift.
16. Existing Apia Funeral Insurance customers who cancel and replace an existing policy are not eligible for this eGift Offer.
17. The participating product in this eGift Offer, Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life).
18. A customer will be an Eligible Customer if they meet all the eligibility criteria set out in these Terms and Conditions.

OFFER REDEMPTION

19. Having qualified for the eGift Offer as set out above, the primary Policy Owner of a new Apia Funeral Insurance policy issued with a policy commencement date of prior to 1^st of May 2025 will be sent an email from TAL Direct with details of how to redeem the eGift Offer.
20. Each Eligible Customer will have up to 30^th of September 2025 to redeem the eGift Offer.
21. The “Eligibility Date” is the date the Eligible Customer has held the policy for 4 consecutive months and paid 4 months premiums in full.
22. At the time of redemption, the Policy Owner may be offered an alternative eGift of similar value.
23. Each Policy Owner is entitled to one eGift only. If the same Policy Owner takes out two Apia Funeral Insurance policies, that person is only eligible to receive one eGift on whichever policy reaches eligibility criteria first.

FULFILMENT DETAILS

24. If, for any reason out of TAL Direct’s control, the eGift chosen by an Eligible Customer becomes unavailable, another eGift of similar value will be awarded in lieu. If the Policy Owner chooses an alternative eGift, they will not also be eligible to receive the other eGifts on offer.
25. The eGift cannot be transferred, exchanged or redeemed for cash.
26. In the event that an eGift recipient does not accept delivery of their eGift in accordance with any conditions of delivery notified to them at the time of redemption, then the eGift will be forfeited and cash will not be awarded in lieu.
27. TAL Direct takes no responsibility for the eGift being damaged, lost, stolen, or misdirected in transit.

GENERAL CONDITIONS

28. TAL Direct reserves the right to request recipient of the eGift to provide proof of identity, and/or proof of offer eligibility in order to claim the eGift. Proof of identification, residency and eligibility considered suitable for verification is at the discretion of TAL Direct. In the event that suitable proof cannot be provided, the eGift will be forfeited in whole, and no substitute offer will be made.
29. TAL Direct reserves the right to disqualify (and not provide the eGift to) anyone who tampers with the eGift Offer eligibility process, who games or attempts to game or structure Policy applications with the intention of claiming multiple Gifts not within the terms, conditions or intent of this eGift Offer, who submits an entry that is not in accordance with these terms and conditions or who has, in TAL Directs opinion, engaged in conduct in participating in the eGift Offer which is fraudulent, misleading, deceptive or manipulative, or which is generally damaging to the goodwill or reputation of TAL Direct.
30. If, for any reason, this eGift Offer is not capable of running as planned, including due to computer technical failures; fraud; delays in fulfilling material obligations where such delay is due to industrial action, fire, flood, war, public disaster, delay in transportation; or other causes beyond the control of TAL Direct, which affects the administration, security, fairness, integrity, or proper conduct of this offer, TAL Direct reserves the right in its sole discretion to cancel, terminate, modify or suspend the eGift Offer to the extent permissible by law.
31. TAL Direct may cancel the eGift Offer at any time.
32. TAL Direct reserves the right to change or substitute the eGift or the eGift Offer, or any part of the eGift or eGift Offer at any time.
33. These terms and conditions are to be interpreted in accordance with the law of New South Wales.