# GREAT Life
  Multiplier

**Insurer:** Great Eastern (The Great Eastern Life Assurance Company Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_GREAT%20Life%20Multiplier_(SG)_v3.0.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_GREAT%20Life%20Multiplier_(SG)_v3.0.pdf
- **PDF sha256:** `1454857ddf6eb64aa7659836df3467e49ffae9bbd55d16ff9061aeca0f3be195`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 8,
  "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

```json
[
  {
    "text": "If the life assured dies by suicide, while sane or insane, or from any pre-existing condition, within 12 months from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid).",
    "source_page": 2
  },
  {
    "text": "Payment of the TPD Benefit will not be made for: (a) Pre-existing TPD; (b) TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (c) TPD resulting directly or indirectly, wholly or partly, from bodily injury sustained while the life assured is in or on, or boarding or descending from, an aircraft other than as a: (i) fare-paying passenger or crew member on an aircraft licensed for passenger service and operated by a commercial airline on a scheduled route; (ii) passenger who is a member of the armed forces on a military transport aircraft; or (iii) provider of airport ground handling, aviation catering, aircraft engineering or other aviation-related services while the aircraft is on the ground; or (d) a diagnosis of TPD due to a pre-existing condition within 12 months from the date of issue of the policy or the date of reinstatement of the policy (if applicable).",
    "source_page": 2
  },
  {
    "text": "Payment of the TI Benefit will not be made: (a) pre-existing TI; (b) TI in the presence of Human Immunodeficiency Virus (HIV) infection; or (c) a diagnosis of TI due to a pre-existing condition within 12 months from the date of issue of the policy or the date of reinstatement of the policy (if applicable).",
    "source_page": 2
  }
]
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "text": "The future bonuses which have yet to be declared are not guaranteed and are dependent on the performance of the participating fund. We will decide the level of bonus to be declared each year as approved by the board of directors, taking into account the written recommendation by the appointed actuary. There are two main types of future bonuses for the plan - reversionary bonus and terminal bonus.",
    "available": true,
    "bonus_types": [
      "reversionary",
      "terminal"
    ],
    "source_page": 4,
    "par_fund_name": "Great Eastern Life Participating Fund"
  },
  "guaranteed_surrender_value": {
    "basis": "Payable when policy is surrendered after at least 3 full policy years of premiums paid and policy has been in force for at least 3 years. See table of deductions in the policy illustration for the possible cost of surrendering the plan early.",
    "available": true,
    "source_page": 2
  }
}
```

### policy loan

```json
{
  "available": true,
  "source_page": 8
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 7
}
```

### product type

```json
"whole-life"
```

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "age-next-birthday",
    "years": 0,
    "source_page": 2
  },
  "maximum_coverage_age": "whole-of-life",
  "maximum_policy_term_years": "whole-of-life (limited premium terms of 15, 20, 25 or 30 years)",
  "minimum_policy_term_years": "whole-of-life (limited premium terms of 15, 20, 25 or 30 years)"
}
```

### premium terms

```json
{
  "payment_modes": [
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "premium_term_options": [
    {
      "label": "15-pay",
      "description": "You may choose premium terms of 15, 20, 25 or 30 years.",
      "source_page": 1
    },
    {
      "label": "20-pay",
      "description": "You may choose premium terms of 15, 20, 25 or 30 years.",
      "source_page": 1
    },
    {
      "label": "25-pay",
      "description": "You may choose premium terms of 15, 20, 25 or 30 years.",
      "source_page": 1
    },
    {
      "label": "30-pay",
      "description": "You may choose premium terms of 15, 20, 25 or 30 years.",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "text": "The premium rates for GREAT Life Multiplier are guaranteed.",
    "reviewable": false,
    "source_page": 3
  }
}
```

### reinstatement

```json
{
  "conditions": "If the policy lapses because it does not have enough net surrender value, you may reinstate it within 3 years from the date it lapses and usual reinstatement conditions apply.",
  "source_page": 7,
  "window_years": 3
}
```

### non forfeiture

```json
{
  "source_page": 7,
  "automatic_premium_loan": {
    "text": "If you do not pay your premiums on time, your policy may lapse (after a 30-day grace period) depending on the net surrender value. If the policy has enough net surrender value, you will be given an automatic premium loan (APL).",
    "available": true
  }
}
```

### suicide clause

```json
{
  "source_page": 2,
  "payout_within_period": "If the life assured dies by suicide, while sane or insane, or from any pre-existing condition, within 12 months from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid).",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "PS Version 3.0",
  "product_full_name": "GREAT Life Multiplier",
  "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Registration No. 1908 00011G)",
  "product_summary_pdf_url": "https://www.greateasternlife.com"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 2,
  "acceleration_percent": 100,
  "qualifying_definition": "TI refers to the conclusive diagnosis of an illness that is expected to result in the death of the life assured within 12 months of the diagnosis. This diagnosis must be made by a specialist and when we require, to be confirmed by our appointed medical practitioner."
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*