{
  "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": "great-life-advantage-4",
    "name": "GREAT Life \n  Advantage 4",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_GREAT%20Life%20Advantage%204_(SG)_v2.0.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T12:19:28.001961+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_GREAT%20Life%20Advantage%204_(SG)_v2.0.pdf",
    "pdf_hash": "edfaa47546cf5acd6e2ede8956782aaabf0fe5da858810597b18e731bb8b9a3e",
    "page_count": null
  },
  "facts": {
    "riders": [
      {
        "name": "GREAT CI Advantage Rider",
        "rider_type": "critical-illness",
        "description": "An Additional CI Unit-Deducting Rider (UDR) attached to the policy whereby the payment of benefit for critical illness under such rider will not reduce or affect the basic sum assured under the base plan, GREAT Life Advantage 4.",
        "source_page": 3,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "GREAT CI Advantage Plus Rider",
        "rider_type": "critical-illness",
        "description": "An Additional CI Unit-Deducting Rider (UDR) attached to the policy whereby the payment of benefit for critical illness under such rider will not reduce or affect the basic sum assured under the base plan, GREAT Life Advantage 4.",
        "source_page": 3,
        "available_at_inception": true,
        "available_after_inception": true
      }
    ],
    "free_look": {
      "period_days": 14,
      "source_page": 15,
      "refund_basis": "the premiums you have paid less any change in the unit price(s) of the fund(s), less other costs incurred in assessing the risk of the policy including but not limited to, medical fees and other expenses, such as payments for medical check-ups and medical reports which are incurred by us."
    },
    "exclusions": [
      {
        "text": "We will not pay the benefit if the life assured dies due to suicide, while sane or insane, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable). We will terminate your policy and pay the account value calculated as the next valuation date following our receipt of notification of the death.",
        "source_page": 15
      },
      {
        "text": "For policies issued under simplified underwriting, we will not pay the benefit if the death is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).",
        "source_page": 15
      },
      {
        "text": "We will not pay any benefits for: (a) TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (b) TPD resulting directly or indirectly, wholly or partly, from bodily injury suffered while the life assured is in or on, or boarding or descending from, an aircraft [with specified exceptions]; or (c) any pre-existing TPD.",
        "source_page": 15
      },
      {
        "text": "For policies issued under simplified underwriting, we will not pay the benefit if the TPD is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).",
        "source_page": 15
      },
      {
        "text": "We will not pay any benefits for: (a) terminal illness in the presence of Human Immunodeficiency Virus (\"HIV\") infection; or (b) pre-existing terminal illness.",
        "source_page": 15
      },
      {
        "text": "For policies issued under simplified underwriting, we will not pay the benefit if the terminal illness is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).",
        "source_page": 15
      },
      {
        "text": "We will not pay any benefit for child cover if: (a) the child is above age 18 next birthday at the time of his death, his suffering from TPD or the diagnosis of his TI; (b) the child's death, or diagnosis of TPD or TI (as the case may be) is within 12 months from: (i) the date we issue your policy; (ii) the date of birth of the child if the child was born after we issued your policy; (iii) the date of legal adoption of the child if the child was legally adopted after we issued your policy; or (iv) the date of any reinstatement of your policy; or (c) we have already paid a claim for child cover in respect of that child.",
        "source_page": 15
      },
      {
        "text": "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).",
        "source_page": 15
      }
    ],
    "mwpa_trust": {
      "notes": "No mention of MWPA or Section 73 trust in the document.",
      "available": false
    },
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "available": false
      },
      "guaranteed_surrender_value": {
        "basis": "Surrender value equals account value (value of units at next valuation date bid price) less surrender charge (if any) and any debts; no guaranteed surrender value table is stated — value depends on fund performance.",
        "available": false,
        "source_page": 10
      }
    },
    "policy_loan": {
      "available": false
    },
    "grace_period": {
      "days": 30,
      "source_page": 6
    },
    "product_type": "investment-linked",
    "underwriting": {
      "source_page": 6,
      "pre_existing_treatment": "Simplified underwriting available if life assured is age 55 next birthday or younger and only base plan or base plan with GREAT CI Advantage Rider is purchased with total coverage equal to or less than S$300,000. Under simplified underwriting, claims for death, TPD or TI diagnosed due to pre-existing condition within 12 months from date of issue or reinstatement will not be payable. Full underwriting applies otherwise. Increase in basic sum assured requires medical underwriting (except for GISA Option). Increase in basic regular premium requires financial underwriting."
    },
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-next-birthday",
        "years": 55,
        "source_page": 6
      },
      "minimum_entry_age": {
        "basis": "age-next-birthday",
        "years": 1,
        "source_page": 17
      },
      "minimum_sum_assured": {
        "amount": "subject to minimum premium and underwriting requirements; no explicit floor stated beyond minimum premium thresholds",
        "currency": "SGD",
        "source_page": 5
      },
      "maximum_coverage_age": "whole-of-life"
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": false,
        "notes": "No mention of CPF or SRS eligibility in the document.",
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "minimum_premium": {
        "amount": 100,
        "currency": "SGD",
        "source_page": 5
      },
      "premium_term_options": [
        {
          "label": "Regular pay whole-of-life",
          "description": "Basic regular premium is payable throughout the term of the policy.",
          "source_page": 5
        }
      ],
      "premium_review_clause": {
        "reviewable": false,
        "source_page": 11
      }
    },
    "reinstatement": {
      "conditions": "You may reinstate the policy within 3 years from the lapse date and usual reinstatement conditions apply. Please note that reinstatement will require a declaration of the health status. For policies which are issued on simplified underwriting basis: You may reinstate the policy within 6 months from the lapse date and usual reinstatement conditions apply. Please note that reinstatement will require a declaration of the health status.",
      "source_page": 14,
      "window_years": 3
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "No paid-up option described in the document.",
        "available": false
      },
      "source_page": 4,
      "extended_term": {
        "text": "No extended term option described in the document.",
        "available": false
      },
      "automatic_premium_loan": {
        "text": "No automatic premium loan described; instead a non-lapse guarantee benefit operates during the first 10 policy years.",
        "available": false
      }
    },
    "suicide_clause": {
      "source_page": 15,
      "payout_within_period": "We will not pay the benefit if the life assured dies due to suicide, while sane or insane, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable). We will terminate your policy and pay the account value calculated as the next valuation date following our receipt of notification of the death.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "PS Version 2.0 (Errors & Omissions Excepted)",
      "product_full_name": "GREAT Life Advantage 4",
      "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Reg No. 1908 00011G)"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 3,
      "acceleration_percent": 100,
      "qualifying_definition": "an illness that is expected to result in the life assured's death within 12 months from the diagnosis. 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"
}