GREAT Investlink Protection: Optimal Investment Allocation and Life Protection

Plan Your Future Finances with 100% Premium Allocation from Day One and an Extra 1% Boost in Year Three—Achieve Optimal Investment Growth, No Health Check Required

GREAT Investlink Protection allocates 100% of your premiums paid since the policy is active, for optimal investment results. GREAT Investlink Protection also provides a Loyalty Bonus at the end of the third year of the policy amounting to 1% of the Single Basic Insurance Premium and the Initial Single Top Up Premium and 1% of each Additional Single Top Up Premium given at the end of the third year after the effective date of the Additional Single Top Up Premium.

GREAT Investlink Protection is also designed to give customers flexibility in growing their investments. Customers can add an additional Single Top-Up Premium at any time, with a 100% Top-Up Premium allocation (no Top-Up fees) to achieve optimal investment returns.

In addition, GREAT Investlink Protection also provides guaranteed acceptance , without a medical check-up, no waiting period, and no exceptions for pre-existing conditions.

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Main Benefit

Loyalty Bonus Benefits

Loyalty Bonus benefit with a value of 1% (one percent) will be paid at the end of the 3rd (third) policy year of the Single Basic Insurance Premium and Initial Single Top Up Premium as well as 1% of each Additional Single Top Up Premium (if any) at the end of the 3rd (third) year after the Premium Effective Date for each Additional Single Top Up Premium transaction.

Final Insurance Benefits

If the Insured is still alive until the end of the insurance period, Great Eastern Life Indonesia will pay 100% of the total available investment value minus obligations and fees due.

Benefits for Death Due to Accident

Additional Sum Insured of IDR 100 million will be paid if the Insured dies due to an accident during the insurance period. Due to any accident until the Insured is 70 years old and Due to an accident on public transportation for Insured aged 71 – 99 years old.

Benefits of Death for any reason

100% of the sum assured plus the total investment value available, minus due fees/obligations (if any).

Note

Entry Age:

Insured: 6 months – 80 years
Policyholder: Minimum 18 years

Age Calculation Method: Next birthday method

Sum insured:

Death due to any cause: Rp. 15,000,000
Additional Accidental Death Benefit: Rp. 100,000,000

Insurance Period: Until the Insured is 99 years old

Premium Payment Period: Single Premium is paid in one lump sum

Premium Terms:

1. Single Basic Insurance Premium and Initial Single Top Up Premium

Age 6 months – 60 years: Minimum Total Premium: IDR 50,000,000 with the following details:
- Single Basic Insurance Premium: Rp 12,000,000
- Minimum Initial Single Top Up: Rp. 38,000,000
Age 61 years – 80 years: Minimum Total Premium: IDR 80,000,000 with the following details:
- Single Basic Insurance Premium: Rp 12,000,000
- Minimum Initial Single Top Up: Rp. 68,000,000

Maximum: subject to Underwriting provisions

2. Additional Single Top Up Premium: Minimum Additional Single Top Up Premium: IDR 10,000,000. Additional Single Top Up Premiums can be made at any time.

Premium Allocation:

Single Basic Insurance Premium: 100%
Initial Single Top Up Premium: 100%
Additional Single Top Up Premium: 100%

Withdrawal of Funds

Can be done at any time as long as the Policy is active
Minimum Partial Withdrawal Amount: Rp 5,000,000
Minimum remaining funds after withdrawal: Rp. 10,000,000 of total funds

Fund Switch

Minimum Funds transferred (from one fund): Rp. 1,000,000
Allowed for Transfer of Investment Funds in its entirety
Investment fund transfer instructions submitted simultaneously for the Policy are considered as 1 (one) transaction.

Policy Redemption: Can be done at any time as long as the policy is still active.

Costs

Insurance Costs: Insurance costs vary according to age and gender.
Administration Fee: Rp. 30,000 (thirty thousand rupiah) which is deducted every month the policy is renewed.
Investment Fund Management Fee:
- Custodian fee of 0.2% per year of the Investment Fund selected by the Policy Holder;
- Investment management fees are in accordance with the Investment Fund selected by the Policyholder, namely

Type of Fund	Annual Cost
GreatLink Fixed Income Fund	maximum 0.25%
GreatLink Balanced Fund	maximum 2.25%
GreatLink Dynamic Equity Fund	maximum 2.25%
GreatLink Money Market Fund	maximum 0.25%
GreatLink Intelligence Equity Fund	maximum 2.25%
GreatLink SusAInability Equity Fund	maximum 2.25%

All of the above costs have been taken into account in determining the Net Asset Value (NAV) for each Investment Fund

Investment Fund Switch Fee

Free of charge for the first 6 (six) transactions within 1 (one) year for the transfer of Investment Funds, and for the 7th (seventh) transaction in the same year, a fee of IDR 100,000.00 (one hundred thousand rupiah)/transaction will be charged.
Free of charge if the investment fund transfer transaction is carried out via the Go Great portal at the following link :https://gogreat.greateasternlife.co.id/shop/home.

Fund Withdrawal Fee: If the Policy Holder makes a Fund Withdrawal, the Policy Fund Withdrawal Fee is as follows:

Effective Year of Premium	Withdrawal Fee (% of total Partial Withdrawal)
1	7%
2	6%
3	5%
4	3%
5	2%
6	0%

Fund Redemption Fee: In the event that the Policy Holder redeems the entire policy, the Policy Redemption Fee is determined as follows.

Effective Year of Premium	Fund Redemption Fee (% of total Withdrawal of All Funds)
1	7%
2	6%
3	5%
4	3%
5	2%
6	0%

GREAT Investlink Protection is a life insurance product owned by PT Great Eastern Life Indonesia ("Great Eastern Life Indonesia"), not a product of PT Bank OCBC NISP, Tbk ("Bank") and the Bank is not an insurance agent or insurance brokerage company of Great Eastern Life Indonesia. Great Eastern Life Indonesia is fully responsible for the GREAT Investlink Protection product and the contents of the insurance policy issued for the GREAT Investlink Protection product, so the Bank is not responsible in any form for the GREAT Investlink Protection product and the contents of the policy issued in connection with the Great Investlink Protection product. The GREAT Investlink Protection product is not a bank deposit product, thus it is not included in the government guarantee program or the Deposit Insurance Corporation. The premium paid by the Policyholder includes acquisition, administration, fund management, bank commissions and marketing staff commissions. The information in this document must be read and subject to the provisions of the Policy and other provisions related to the GREAT Investlink Protection product that are currently in effect or any changes thereto in the future.

Disclaimer

GREAT Investlink Protection | Long-Term Investment Growth accompanied by Life Protection