{ "generated_at": "2026-06-05T12:32:40.774Z", "site_base": "https://lifeinsurance.com.sg", "insurer": { "slug": "great-eastern", "name": "Great Eastern", "legal_entity": "The Great Eastern Life Assurance Company Limited", "mas_license_type": null, "mas_fi_directory_url": null }, "product": { "slug": "direct-great-term", "name": "DIRECT -\n GREAT Term", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Direct%20-%20Great%20Term_(SG)_v3.0.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T12:13:10.870229+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Direct%20-%20Great%20Term_(SG)_v3.0.pdf", "pdf_hash": "a4fc4d4ecac0fa6570793af9e51c791a93b268e33353053da73d82877009251f", "page_count": null }, "facts": { "free_look": { "period_days": 14, "source_page": 3, "refund_basis": "we will refund you the premiums you have paid, less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us." }, "exclusions": [ { "text": "We will not pay the benefit if the life assured commits suicide, while sane or insane, within 1 year from the date we issue the policy or from the date of any reinstatement, whichever is later. The policy will be void.", "source_page": 3 }, { "text": "We will not pay any benefit for TPD resulting from: (a) self-inflicted injury, while sane or insane; (b) bodily injury sustained while in or on an aircraft other than: (i) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and operated by a regular airline on a scheduled route; or (ii) as a member of the armed forces travelling as a passenger in a military transport aircraft; or (c) any pre-existing illness or disability that was not made known to us prior to the date we issue the policy or date of any reinstatement (if applicable).", "source_page": 3 }, { "text": "We will not pay any benefit for terminal illness if the life assured has HIV infection.", "source_page": 3 } ], "cash_values": { "has_cash_value": false, "non_guaranteed_bonus": { "available": false }, "guaranteed_surrender_value": { "basis": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.", "available": false, "source_page": 3 } }, "policy_loan": { "available": false }, "grace_period": { "days": 30, "source_page": 3 }, "product_type": "term-life", "underwriting": { "source_page": 3, "pre_existing_treatment": "We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)." }, "policy_basics": { "minimum_entry_age": { "basis": "as-stated", "source_page": 2 }, "maximum_coverage_age": { "basis": "age-next-birthday", "years": 65, "source_page": 2 }, "maximum_policy_term_years": "20 years or to age 65, or renewable 5-year terms up to age 80 next birthday", "minimum_policy_term_years": 5 }, "premium_terms": { "payment_modes": [ "annual", "semi-annual", "quarterly", "monthly" ], "premium_term_options": [ { "label": "Regular pay – 20-year term", "description": "DIRECT – Great Term with 20-year policy term", "source_page": 2 }, { "label": "Regular pay – to age 65", "description": "DIRECT – Great Term with policy term up to age 65", "source_page": 2 }, { "label": "Regular pay – 5-year renewable term", "description": "DIRECT – Great 5yr Term: 5 years renewable term (with Renewal Privilege), renewable up to age 80 next birthday", "source_page": 2 } ], "premium_review_clause": { "text": "The premium rates for DIRECT - Great Term are guaranteed and will not be changed. Please note that premium rates for DIRECT - Great 5yr Term are guaranteed in the first 5 years. The premium rate applicable at the time of each renewal (every 5 years) is not guaranteed.", "frequency": "every 5 years (at renewal only for Great 5yr Term)", "reviewable": true, "source_page": 3 } }, "reinstatement": { "conditions": "reinstatement of this policy is allowed within 6 months from the lapse date and the usual reinstatement conditions apply.", "source_page": 3, "window_years": 0.5 }, "non_forfeiture": { "paid_up": { "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.", "available": false }, "source_page": 3, "extended_term": { "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.", "available": false }, "automatic_premium_loan": { "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.", "available": false } }, "suicide_clause": { "source_page": 3, "payout_within_period": "We will refund all the premiums you have paid to you or your legal personal representative if you are both the life assured and policyholder of this policy, regardless whether you have transferred the legal right of this policy to someone else.", "exclusion_period_months": 12 }, "document_metadata": { "wording_version": "PS Version 3.0", "product_full_name": "DIRECT – Great Term / Great 5yr Term", "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Reg. No. 1908 00011G)", "product_summary_pdf_url": "https://www.greateasternlife.com" }, "terminal_illness_benefit": { "available": true, "source_page": 2, "acceleration_percent": 100, "qualifying_definition": "a definite diagnosis of an illness that is expected to result in the life assured's death within 12 months. We require this diagnosis to be supported by a registered medical practitioner and when we require, to be confirmed by our appointed medical practitioner." } }, "confidence_tier": "verified" }