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Annual Cashback Endowment

Get guaranteed cashback every year while your savings continue to grow

With Annual Cashback Endowment, you’ll get extra cash for your immediate or future needs. This savings plan delivers a guaranteed cash payout in every year of its term1, plus a lump sum payment at the end of the term.

These annual payouts will help bring your dreams a little closer – whether it’s getting a surprise for a loved one, going on holiday, or sprucing up the home.

Key benefits

Receive guaranteed cashback

Starting from the second year of the plan, you’ll receive an annual payout1. Plus, you’ll also get a maturity payout2 at the end of the plan term.

Enjoy all-round protection

Throughout the duration of the plan, you’ll be covered against death, terminal illness, and total and permanent disability3.

Get flexibility in more ways than one

You can opt for an 18-year or 25-year plan – whatever your choice, you can pay premiums either for a limited period or throughout the plan term.

Re-invest for greater returns

For a higher total payout at the end of the plan term, simply re-invest your annual cash payout and earn even greater returns4.

What’s not covered

Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.

Premium waiver: To protect yourself against being unable to pay premiums because of critical illness, consider Premium Waiver Rider.

Get this plan

Contact a distribution representative

Talk to your Great Eastern distribution representative to see which insurance solutions are right for you. No Planner yet? Simply browse through our list of distribution representatives.

Visit Us

No. 17 & 18
Block B, Bangunan Habza
Simpang 150, Kampong Kiarong
Bandar Seri Begawan
Brunei Darussalam

Footnotes and Disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern distribution representative or have us call you back.


1 From the end of the second policy year until the end of the second last policy year. Guaranteed annual cashback is 5% of the plan’s sum assured.

2 Non-guaranteed. The projected maturity payout  is 40% of the sum assured (for the 18-year plan) and 25% of the sum assured (for the 25-year plan), plus non-guaranteed bonus.

3 Total and Permanent Disability covers:

  1. Presumptive Total & Permanent Disability (TPD) for the whole of the policy term. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of:
    1. total and irrecoverable loss of sight in both eyes; or
    2. total and irrecoverable loss of the use of two limbs at or above the wrist or ankle; or
    3. total and irrecoverable loss of the sight in one eye and total and irrecoverable loss of use of one limb at or above the wrist or ankle
  2. Other forms of TPD until the insured person reaches 65 years of age.

4 The current interest rate is 3% p.a. for re-investment. This rate is not guaranteed and is subject to change without notice.

5 Illustration is based on a male, non-smoker, with basic sum assured of $30,000.

* The illustrated value is based on a projected investment rate of return of 4.75% p.a. As the bonus rate used for the benefit illustrated is not guaranteed, the actual benefits payable will vary according to the future experience of the Participating Fund.



All ages specified refer to age next birthday.

This policy is only for Brunei Citizens/Permanent Residents (PRs). If your not a Brunei Citizen/PR, you have to meet certain residency requirements before you can apply for a policy or renew it.

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid.

In case of discrepancy between the English and the Chinese versions, the English version shall prevail.

Information correct as on 27 February 2015.

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Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd