GREAT Life Advantage 4

We will not pay the benefit if the life assured dies 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). We will terminate your policy and pay the account value calculated as the next valuation date following our receipt of notification of the death.

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For policies issued under simplified underwriting, we will not pay the benefit if the death is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).

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We will not pay any benefits 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 suffered while the life assured is in or on, or boarding or descending from, an aircraft [with specified exceptions]; or (c) any pre-existing TPD.

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For policies issued under simplified underwriting, we will not pay the benefit if the TPD is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).

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We will not pay any benefits for: (a) terminal illness in the presence of Human Immunodeficiency Virus ("HIV") infection; or (b) pre-existing terminal illness.

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For policies issued under simplified underwriting, we will not pay the benefit if the terminal illness is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable).

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We will not pay any benefit for child cover if: (a) the child is above age 18 next birthday at the time of his death, his suffering from TPD or the diagnosis of his TI; (b) the child's death, or diagnosis of TPD or TI (as the case may be) is within 12 months from: (i) the date we issue your policy; (ii) the date of birth of the child if the child was born after we issued your policy; (iii) the date of legal adoption of the child if the child was legally adopted after we issued your policy; or (iv) the date of any reinstatement of your policy; or (c) we have already paid a claim for child cover in respect of that child.

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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).

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