ePremium Coupon Referral Program Do's and Don'ts

Do's	Don'ts
Referrer Should base solely on positive personal experiences with AIA, including the relationship, customer service and brand appreciation, when referring the referee to participate the promotion. Should conduct the referral activities only in Hong Kong / Macau, and only to referees who are also located in Hong Kong / Macau. Should inform referee(s) that a reward may be granted to the referrer for participating in this promotion. Should advise referee(s) to contact AIA or AIA Financial Planners, or visit AIA's website if he/she has any enquiries or want to know more about insurance products and services. Should read and understand the terms and conditions of the referral campaign before conducting any referral activities.	Referrer Must not conduct referral activities to anyone who refuse to receive the promotional materials from AIA. Must not encourage, persuade, convince or recommend any specific insurance products to the referee. Must not discuss or explain product features. Must not involve in or participate in the referee's policy application and policy arrangement process, nor collect premiums from the referee(s). Must not hold yourself out as an insurance intermediary or representative of AIA. Unlicensed selling of insurance is a criminal offence under Hong Kong law, punishable by fines and up to two years of imprisonment. Please be aware of point 2 to point 5 mentioned above.
Referee If the referee would like to know more about insurance products, he/she should consult with AIA Financial Planners to understand their protection needs, affordability and product features. The referee should only contact AIA and AIA Financial Planners directly regarding the policy application and policy arrangement. The referee should pay premiums directly to AIA, not to the referrer. The referee should be informed and agree that the referrer may receive a reward for participating in this promotion.	Referee The referrer does not represent AIA or its intermediaries. The referee should not contact the referrer directly regarding the policy application and policy arrangement. The referee should not apply for insurance because the referrer may receive a reward through this promotion, without considering their own protection needs and affordability.

Do's

Don'ts

Referrer

Should base solely on positive personal experiences with AIA, including the relationship, customer service and brand appreciation, when referring the referee to participate the promotion.
Should conduct the referral activities only in Hong Kong / Macau, and only to referees who are also located in Hong Kong / Macau.
Should inform referee(s) that a reward may be granted to the referrer for participating in this promotion.
Should advise referee(s) to contact AIA or AIA Financial Planners, or visit AIA's website if he/she has any enquiries or want to know more about insurance products and services.
Should read and understand the terms and conditions of the referral campaign before conducting any referral activities.

Referrer

Must not conduct referral activities to anyone who refuse to receive the promotional materials from AIA.
Must not encourage, persuade, convince or recommend any specific insurance products to the referee.
Must not discuss or explain product features.
Must not involve in or participate in the referee's policy application and policy arrangement process, nor collect premiums from the referee(s).
Must not hold yourself out as an insurance intermediary or representative of AIA.

Unlicensed selling of insurance is a criminal offence under Hong Kong law, punishable by fines and up to two years of imprisonment. Please be aware of point 2 to point 5 mentioned above.

Referee

If the referee would like to know more about insurance products, he/she should consult with AIA Financial Planners to understand their protection needs, affordability and product features.
The referee should only contact AIA and AIA Financial Planners directly regarding the policy application and policy arrangement.
The referee should pay premiums directly to AIA, not to the referrer.
The referee should be informed and agree that the referrer may receive a reward for participating in this promotion.

Referee

The referrer does not represent AIA or its intermediaries. The referee should not contact the referrer directly regarding the policy application and policy arrangement.
The referee should not apply for insurance because the referrer may receive a reward through this promotion, without considering their own protection needs and affordability.