Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable (if any) may be zero or less than the total premiums paid.

Insurance plans are underwritten by the relevant insurance company. Insurance products distributed are an obligation only of the insurance company. They are not a bank deposit or an obligation of or guaranteed by Citibank Singapore Limited or its related entities.

The Singapore-dollar return on this policy will depend on prevailing exchange rates which may be highly volatile. For US-dollar denominated insurance plans, premiums and benefits payable will be made in US dollars. Equivalent returns on the policy in other currencies will depend on prevailing exchange rates which may be highly volatile.

The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.