# GREAT 
  Wealth Advantage 4

**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%20Wealth%20Advantage%204_(SG)_v2.0.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%20Wealth%20Advantage%204_(SG)_v2.0.pdf
- **PDF sha256:** `97c31141588f51c7e3201c4709cf191cb3beb33e5d33dd9410021d33eba72d2b`
- **Extraction confidence:** verified

## Extracted facts

### claims

```json
{
  "source_page": 12
}
```

### riders

```json
[
  {
    "name": "Cash-paying riders (supplementary benefits)",
    "rider_type": "other",
    "description": "You may wish to add optional supplementary benefits by attaching cash-paying riders to your plan. These riders provide protection against critical illness of varying stages, accidental events and disability income.",
    "source_page": 7,
    "available_at_inception": true,
    "available_after_inception": true
  }
]
```

### free look

```json
{
  "period_days": 14,
  "source_page": 14,
  "refund_basis": "we will refund you the premiums you have paid, less any change in the unit price(s) of the fund(s) and 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, incurred by us."
}
```

### exclusions

```json
[
  {
    "text": "Death benefit: We will not pay the benefit if the life assured: (a) dies due to suicide, while sane or insane; or (b) dies due to any pre-existing condition, within 12 months from the date we issued the policy or from the date of reinstatement (if applicable). Your policy will be terminated.",
    "source_page": 9
  },
  {
    "text": "TPD benefit: We will not pay the benefit 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 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 a 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; (c) any pre-existing TPD; or (d) a diagnosis of TPD due to a pre-existing condition within 12 months from the date of issue or date of reinstatement (if applicable) of the policy.",
    "source_page": 9
  },
  {
    "text": "Terminal illness benefit: We will not pay the benefit for: (a) terminal illness in the presence of Human Immunodeficiency Virus (HIV) infection; (b) any pre-existing terminal illness; or (c) a diagnosis of terminal illness due to a pre-existing condition within 12 months from the date of issue or date of reinstatement (if applicable) of the policy.",
    "source_page": 9
  }
]
```

### mwpa trust

```json
{
  "available": false
}
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "available": false
  },
  "guaranteed_surrender_value": {
    "basis": "Account value of the policy less surrender charge (if any). Surrender charge is a percentage of account value depending on policy year and base plan chosen, ranging from 100% in year 1-2 down to 0% from year 11 onwards (Choice 5 and Choice 10) or year 16 onwards (Choice 15).",
    "available": true,
    "source_page": 9
  }
}
```

### policy loan

```json
{
  "available": false
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 14
}
```

### product type

```json
"investment-linked"
```

### underwriting

```json
{
  "source_page": 9,
  "smoker_loading": true,
  "pre_existing_treatment": "Pre-existing conditions are excluded for death benefit, TPD benefit and terminal illness benefit within 12 months from date of issue or date of reinstatement. Single premium top-ups are subject to financial underwriting."
}
```

### policy basics

```json
{
  "minimum_sum_assured": {
    "amount": "Not explicitly stated; death benefit is the higher of 101% of total basic regular premiums paid plus 101% of total single premium top-ups less 101% of total partial withdrawals, or the account value",
    "currency": "SGD",
    "source_page": 2
  },
  "maximum_coverage_age": "whole-of-life"
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": false,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "minimum_premium": {
    "amount": 100,
    "currency": "SGD",
    "source_page": 4
  },
  "premium_term_options": [
    {
      "label": "Regular pay whole-of-life – Choice 5",
      "description": "Basic regular premium is payable throughout the term of the policy. Minimum annual premium S$6,000; half-yearly S$3,000; quarterly S$1,500; monthly S$500.",
      "source_page": 4
    },
    {
      "label": "Regular pay whole-of-life – Choice 10",
      "description": "Basic regular premium is payable throughout the term of the policy. Minimum annual premium S$2,400; half-yearly S$1,200; quarterly S$600; monthly S$200.",
      "source_page": 4
    },
    {
      "label": "Regular pay whole-of-life – Choice 15",
      "description": "Basic regular premium is payable throughout the term of the policy. Minimum annual premium S$1,200; half-yearly S$600; quarterly S$300; monthly S$100.",
      "source_page": 4
    }
  ],
  "premium_review_clause": {
    "reviewable": false,
    "source_page": 10
  }
}
```

### reinstatement

```json
{
  "conditions": "You may reinstate the policy within 6 months from the lapse date and usual reinstatement conditions apply.",
  "source_page": 14,
  "window_years": 0.5
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "Not described in the product summary.",
    "available": false
  },
  "source_page": 5,
  "extended_term": {
    "text": "Not described in the product summary.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "Not described in the product summary. The policy enters premium holiday if basic regular premium due is unpaid after the grace period, and fees and charges continue to be deducted from account value.",
    "available": false
  }
}
```

### suicide clause

```json
{
  "source_page": 9,
  "payout_within_period": "We will pay the account value calculated as at the next valuation date following our receipt of notification of the death, less any amounts paid as welcome bonus, loyalty bonus, premium bonus and premium holiday charge refund.",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "PS Version 2.0 (Errors & Omissions Excepted)",
  "product_full_name": "GREAT Wealth Advantage 4",
  "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Reg No. 1908 00011G)",
  "product_summary_pdf_url": "https://www.greateasternlife.com/sg"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 2,
  "acceleration_percent": 100,
  "qualifying_definition": "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."
}
```

---

*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.*