GREAT Investlink Protection: Optimal Investment Allocation and Life Protection

GREAT Investlink Protection is an investment insurance product for long-term growth, now available in Rupiah, USD, and SGD . The SGD option complements existing solutions, providing greater flexibility for customers who need to plan and accumulate investments in foreign currencies while still receiving life protection.

This product is designed to support future financial planning through 100% premium allocation from the first day of active policy , so that all premiums are immediately invested. In addition, GREAT Investlink Protection provides a Loyalty Bonus of 1% at the end of the 3rd Policy year , which is calculated from the Single Basic Insurance Premium, Initial Single Top Up Premium, and any Additional Single Top Up Premium effective until the end of the 3rd policy year.

GREAT Investlink Protection also offers flexibility in investment management, where customers can make an Additional Single Top Up Premium at any time with a 100% allocation without top up fees , according to their individual financial needs and goals.

As an added convenience, GREAT Investlink Protection comes with Guaranteed Acceptance , no medical exam, no waiting period, and no exclusions 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/USD 35,000/SGD 40,000 will be paid if the Insured dies due to an accident during the coverage period. Due to any accident until the Insured is 70 years old and Due to an accident on public transportation for the 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/USD 1,500/SGD 1,500
- Additional Accidental Death Benefit: Rp 100,000,000/USD 35,000/SGD 40,000
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/USD 10,000/SGD 10,000 with the following details:
- Single Basic Insurance Premium: Rp 12,000,000/USD 1,000/SGD 1,000
- Minimum Initial Single Top Up: IDR 38,000,000/USD 9,000/SGD 9,000
Age 61 years – 80 years: Minimum Total Premium: IDR 80,000,000/USD 35,000/SGD 35,000 with the following details:
- Single Basic Insurance Premium: Rp 12,000,000/USD 1,000/SGD 1,000
- Minimum Initial Single Top Up: IDR 68,000,000/USD 34,000/SGD 34,000

Maximum: subject to Underwriting provisions

2. Additional Single Top Up Premium:

Minimum Additional Single Top Up Premium: IDR 10,000,000/USD 100/SGD 100

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/USD 500/SGD 500
- Minimum remaining funds after withdrawal: IDR 10,000,000/USD 1,000/SGD 1,000 of total funds

Fund Switch
- Minimum Funds transferred (from one fund): Rp 1,000,000/USD 100/SGD 100
- Transfer of Investment Funds in whole or in part: Permitted
- 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 and so on in the same year, a fee of IDR 100,000/USD 5/SGD 5 will be charged.

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: IDR 30,000 / USD 5 / SGD 5 deducted on each policy anniversary
- 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

Rupiah Currency Investment Fund Options

Investment Fund	Annual Cost
GreatLink Fixed Income Fund	Maximum 0.25%
GreatLink Balance 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 Sustainability Equity Fund	Maximum 2.25%

USD Currency Investment Fund Options

Investment Fund	Annual Cost
GreatLink USD Fixed Income Fund	Maximum 0.25%
Greatlink USD Pioneer Equity Fund	Maximum 2.25%

SGD Currency Investment Fund Options

Investment Fund	Annual Cost
GreatLink SGD Multi Assets Income Fund	Maximum 2.25%
GreatLink SGD Multi Assets Growth Fund	Maximum 2.25%
GreatLink SGD Money Market Fund	Maximum 1.00%

All of the above costs have been calculated into the Unit Price and have been taken into account to determine the Net Asset Value (NAV) of each Investment Fund.

Withdrawal Fees

In the event that the Policy Holder makes a partial withdrawal of funds, the partial withdrawal fee is determined as follows:

Effective Year of Premium	% Total Withdrawal of All Funds
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	% 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 with Life Insurance

Main Benefit

Loyalty Bonus Benefits

Final Insurance Benefits

Benefits for Death Due to Accident

Benefits of Death for any reason