{
  "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-term",
    "name": "GREAT\n  Term",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS_GEL_GREATTerm2_TPD2_V2.0.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T11:47:24.969101+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS_GEL_GREATTerm2_TPD2_V2.0.pdf",
    "pdf_hash": "d32ae2933619f3ec07b36483938f30c3e3b10f70274af707f1f8d45e2811284e",
    "page_count": null
  },
  "facts": {
    "riders": [
      {
        "name": "TPD Benefit Rider 2",
        "rider_type": "tpd",
        "description": "A non-participating, regular premium insurance rider which provides protection against Total and Permanent Disability (TPD). If sum assured of rider is equivalent to sum assured of basic plan, we will pay the death benefit from the basic plan and the policy will then end. If sum assured of rider is less than sum assured of basic plan, we will pay the sum assured of this rider, which will be accelerated from the basic plan. The most we will pay in benefit for TPD for all policies and riders we have issued for each life assured is S$5,000,000.",
        "source_page": 1,
        "available_at_inception": true,
        "available_after_inception": true
      }
    ],
    "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": 2
      },
      {
        "text": "We will not pay the terminal illness benefit for: (a) terminal illness in the presence of HIV infection; or (b) any pre-existing condition.",
        "source_page": 2
      },
      {
        "text": "We will not pay the TPD benefit for TPD resulting: (a) directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (b) directly or indirectly, wholly or partly, from bodily injury sustained while 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 (c) any pre-existing condition.",
        "source_page": 2
      }
    ],
    "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": 2
      }
    },
    "grace_period": {
      "days": 30,
      "source_page": 2
    },
    "product_type": "term-life",
    "policy_basics": {
      "minimum_entry_age": {
        "basis": "as-stated",
        "years": 0,
        "source_page": 2
      },
      "maximum_coverage_age": {
        "basis": "age-next-birthday",
        "years": 85,
        "source_page": 1
      },
      "minimum_policy_term_years": "up to age 65, 70, 75, 80 and 85 next birthday (5 options)"
    },
    "premium_terms": {
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "premium_review_clause": {
        "text": "Please note that premium rates for the policy are guaranteed.",
        "reviewable": false,
        "source_page": 2
      }
    },
    "reinstatement": {
      "conditions": "reinstatement of the policy is allowed within 6 months from the lapse date and the usual reinstatement conditions apply.",
      "source_page": 2,
      "window_years": 0.5
    },
    "suicide_clause": {
      "source_page": 2,
      "payout_within_period": "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. 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 the policy, regardless of whether you have transferred the legal right of the policy to someone else.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "PS Version 2.0 (Errors and Omissions Excepted)",
      "product_full_name": "GREAT Term 2",
      "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Registration No. 1908 00011G)"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 1,
      "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 from diagnosis. We require this diagnosis to be supported by a registered medical practitioner and to be confirmed by a medical practitioner appointed by us."
    }
  },
  "confidence_tier": "verified"
}