Share the love and secure your loved ones with DearTime. Once you sign up for DearTime life insurance and are protected in times of life and medical emergencies, you can refer your family and friends to do the same. Under the Referral Programme section, send an invitation link to your friends and family, or simply flash your unique QR code to them. Once your invitees sign up with DearTime, you become their Referrer for life. You can receive up to 10% of all premiums your referees pay. It’s a win-win for everyone! Signing up and referring your loved ones is made even more convenient with the DearTime app on your phone!