# Prestige 
  Legacy Index

**Insurer:** Great Eastern (The Great Eastern Life Assurance Company Limited)
**MAS licence:** —
**Insurer product page:** https://www.greateasternlife.com/content/dam/corp-site/great-eastern/sg/gels-ftrp-imc-cm/prestige-/prestige-legacy-index/prestige-legacy-index-eng-brochure.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.greateasternlife.com/content/dam/corp-site/great-eastern/sg/gels-ftrp-imc-cm/prestige-/prestige-legacy-index/prestige-legacy-index-eng-brochure.pdf
- **PDF sha256:** `617d884e63d2b2527120fef0e16df9f8447c6993cf54934549179a887a51c724`
- **Extraction confidence:** inferred

## Extracted facts

### exclusions

```json
[]
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "text": "Additional guaranteed loyalty crediting rate of 0.35% p.a. from 11th policy year onwards. For flexible premium policies, the loyalty crediting rate will be awarded provided that the total planned premiums have been fully paid. The cap rates and participation rates for Index Account(s) are not guaranteed and may change from time to time.",
    "available": true,
    "bonus_types": [
      "other"
    ],
    "source_page": 2
  },
  "guaranteed_surrender_value": {
    "basis": "Account value less any surrender charges and outstanding debts; surrender charges apply (details in product summary).",
    "available": true,
    "source_page": 2
  }
}
```

### policy loan

```json
{
  "available": true,
  "source_page": 10,
  "interest_basis": "Not specified in this document; presence of policy loan referenced in non-lapse guarantee conditions."
}
```

### product type

```json
"universal-life"
```

### underwriting

```json
{
  "source_page": 10,
  "smoker_loading": true,
  "occupational_rating": "The actual premium payable varies based on the life assured's age at entry, gender, smoker status, country of residency at inception, underwriting risk class, sum assured, premium apportionment mix and index account apportionment mix."
}
```

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "age-last-birthday",
    "source_page": 10
  },
  "maximum_coverage_age": "whole-of-life"
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": false,
    "notes": "Product is US dollar-denominated; no CPF/SRS eligibility stated in the document.",
    "source_page": 10,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "single",
    "annual"
  ],
  "premium_term_options": [
    {
      "label": "Single premium",
      "description": "Premium charge of 8.00%",
      "source_page": 2
    },
    {
      "label": "Flexible premium – 5-year term",
      "description": "Flexible premiums refer to the planned premium amount payable during the selected premium payment term of 5 or 10 years. 1st to 5th planned premium: Premium charge of 8.00%.",
      "source_page": 2
    },
    {
      "label": "Flexible premium – 10-year term",
      "description": "Flexible premiums refer to the planned premium amount payable during the selected premium payment term of 5 or 10 years. 1st to 5th planned premium: Premium charge of 8.00%; 6th to 10th planned premium: Premium charge of 5.00%.",
      "source_page": 2
    }
  ]
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "Not stated in this document.",
    "available": false
  },
  "extended_term": {
    "text": "Not stated in this document.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "Not stated in this document.",
    "available": false
  }
}
```

### document metadata

```json
{
  "wording_version": "PLI/Ver5.0/202511",
  "product_full_name": "Prestige Legacy Index",
  "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited",
  "document_published_date": "Information correct as at 21 November 2025"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 2,
  "acceleration_percent": 100,
  "qualifying_definition": "If the life assured dies or is diagnosed with terminal illness before the policy anniversary after the life assured's 121st birthday, we will pay either (a) the basic sum assured; or (b) account value of the policy, whichever is higher, less any outstanding debts. If the life assured dies or is diagnosed with terminal illness on or after the policy anniversary after the life assured's 121st birthday, we will pay the account value of the policy, less any outstanding debts."
}
```

---

*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.*