# GREAT 
  Wealth Multiplier 3

**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%20Multiplier%203_(SG)_v5.0.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%20Multiplier%203_(SG)_v5.0.pdf
- **PDF sha256:** `9d267360e59c0d15620f57b0965820b8137d33c6d44f622d33eef0628541c4a8`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 10,
  "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": "We will not pay any benefit for death due to: (a) suicide while sane or insane; or (b) any pre-existing condition, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy.",
    "source_page": 4
  },
  {
    "text": "We will not pay any benefit for TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane.",
    "source_page": 4
  },
  {
    "text": "We will not pay any benefit for 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.",
    "source_page": 4
  },
  {
    "text": "We will not pay any benefit for pre-existing TPD; or a diagnosis of TPD due to a pre-existing condition within 12 months from the date of issue or from the date of reinstatement (if applicable) of the policy.",
    "source_page": 4
  },
  {
    "text": "We will not pay any benefit for: (a) pre-existing terminal illness; (b) terminal illness in the presence of Human Immunodeficiency Virus (HIV) infection; or (c) terminal illness due to a pre-existing condition within 12 months from the date of issue or from the date of reinstatement (if applicable) of the policy.",
    "source_page": 4
  }
]
```

### mwpa trust

```json
{
  "notes": "The appointment of the secondary life assured is subject to conditions including that your policy is not subject to a trust, and premiums for your policy are not paid from funds from an account operated under the Supplementary Retirement Scheme.",
  "available": false,
  "source_page": 3
}
```

### 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.",
    "available": true,
    "bonus_types": [
      "reversionary",
      "terminal"
    ],
    "source_page": 5,
    "par_fund_name": "Great Eastern Life Participating Fund"
  },
  "guaranteed_surrender_value": {
    "basis": "For regular premium: payable after at least 3 full policy years of premiums paid and policy in force for at least 3 years. For single premium: payable when single premium has been paid. Refer to surrender value in the policy illustration for details.",
    "available": true,
    "source_page": 3
  }
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 9
}
```

### product type

```json
"endowment"
```

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "as-stated",
    "years": 0,
    "source_page": 3
  },
  "maximum_coverage_age": {
    "basis": "age-next-birthday",
    "years": 120,
    "source_page": 2
  },
  "maximum_policy_term_years": "policy matures on the policy anniversary at which the life assured is age 120 next birthday (inception-dependent)",
  "minimum_policy_term_years": "policy matures on the policy anniversary at which the life assured is age 120 next birthday (inception-dependent)"
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": true,
    "notes": "When you invest in this plan using funds from your Supplementary Retirement Scheme (SRS), the plan will be managed in compliance with the SRS regulations as amended from time to time. If the terms and conditions are inconsistent with those regulations, then the regulations shall prevail.",
    "source_page": 10
  },
  "payment_modes": [
    "single",
    "annual"
  ],
  "premium_term_options": [
    {
      "label": "5-pay",
      "description": "regular payments over a premium term of 5 years",
      "source_page": 2
    },
    {
      "label": "10-pay",
      "description": "regular payments over a premium term of 10 years",
      "source_page": 2
    },
    {
      "label": "15-pay",
      "description": "regular payments over a premium term of 15 years",
      "source_page": 2
    },
    {
      "label": "single premium",
      "description": "the premium for your policy is fully paid by way of a single payment at the inception of your policy",
      "source_page": 2
    }
  ],
  "premium_review_clause": {
    "text": "No. The premium rates for this plan are guaranteed and will not be changed.",
    "reviewable": false,
    "source_page": 5
  }
}
```

### reinstatement

```json
{
  "conditions": "If the policy lapses because it does not have enough net surrender value, you may reinstate the policy within 6 months from the date it lapsed and usual reinstatement conditions apply.",
  "source_page": 9
}
```

### non forfeiture

```json
{
  "source_page": 9,
  "automatic_premium_loan": {
    "text": "If you do not pay your premiums on time, your policy may lapse (after 30 days 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": 4,
  "payout_within_period": "We will not pay any benefit for death due to: (a) suicide while sane or insane; or (b) any pre-existing condition, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. The policy will be void regardless of whether there is a secondary life assured appointed for the policy. We will refund all the premiums you have 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 5.0",
  "product_full_name": "GREAT Wealth Multiplier 3",
  "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": 3,
  "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 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.*