{
  "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": "prestige-life-gold-4",
    "name": "Prestige \n  Life Gold 4 (SGD/USD)",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Prestige%20Life%20Gold%204(SGD)_(SG)_v5.0.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T10:52:12.556146+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Prestige%20Life%20Gold%204(SGD)_(SG)_v5.0.pdf",
    "pdf_hash": "7a47f4248e04652b471a6a8e4af888988512e2ec0c9916d9118283337f692760",
    "page_count": null
  },
  "facts": {
    "free_look": {
      "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": [
      {
        "text": "We will not pay any benefit for death due to: suicide while sane or insane 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 terminal illness benefit] if the life assured has Human Immunodeficiency Virus (HIV) infection.",
        "source_page": 4
      }
    ],
    "mwpa_trust": {
      "available": false
    },
    "cash_values": {
      "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": "When the single premium has been paid, we will pay the surrender value when you surrender your policy. Please see the table of deductions in the policy illustration for the possible cost of surrendering the plan early.",
        "available": true,
        "source_page": 3
      }
    },
    "policy_loan": {
      "available": false
    },
    "product_type": "whole-life",
    "underwriting": {
      "source_page": 9,
      "pre_existing_treatment": "We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."
    },
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-next-birthday",
        "years": 75,
        "source_page": 2
      },
      "minimum_entry_age": {
        "basis": "age-next-birthday",
        "years": 1,
        "source_page": 2
      },
      "maximum_coverage_age": "whole-of-life"
    },
    "premium_terms": {
      "payment_modes": [
        "single"
      ],
      "premium_term_options": [
        {
          "label": "Single Premium",
          "description": "Whole Life Multiplier 4 (SGD) is a single premium whole of life plan.",
          "source_page": 1
        }
      ],
      "premium_review_clause": {
        "text": "Change of premium rates is not applicable to this plan as it is a single premium policy.",
        "reviewable": false,
        "source_page": 5
      }
    },
    "suicide_clause": {
      "source_page": 4,
      "payout_within_period": "We will refund the premiums received, less any withdrawals made: (a) to the assignee if the policy has been assigned; or (b) to you or your legal personal representative if the policy has not been assigned, and the policy will then end.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "PS Version 5.0",
      "product_full_name": "Prestige Life Gold 4 (SGD) (also known as Whole Life Multiplier 4 (SGD) & Protect Booster 4 (SGD))",
      "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited (Registration No. 1908 00011G)"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 3,
      "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 doctor."
    }
  },
  "confidence_tier": "verified"
}