DIRECT - GREAT Term

You can submit an application online via ‘Buy Now’ or visit our Customer Service Counters at Great Eastern Centre (address below):

1 Pickering Street
Great Eastern Centre
Singapore 048659
Weekday (except PH): 9:00am to 5:00pm

http://www.comparefirst.sg

(a) The DPI is not a savings account or deposit;

(b) You may not get back the premiums paid (partially or in full) if you terminate or surrender the policy early;

(c) Some benefits of the DPI are not guaranteed;

(d) There is a 14-day free-look period;

(e) You may request the financial adviser to explain the product features;

(f) You may wish to separately seek advice on the suitability of the life policy; and

(g) In the event that you choose not to seek advice on the suitability of the life policy, you should consider if the life policy is suitable for your financial circumstances and needs.

(i) 62 years of age or older

(ii) not proficient in spoken or written English

(iii) attained GCE ‘O’ level or ‘N’ level certification, or equivalent academic qualifications;

then you are strongly encouraged to bring along a Trusted Individual to our Customer Service counter to assist in your insurance application.

The Trusted Individual should be:

(i) be at least 18 years of age;

(ii) have Attained GCE ‘O’ level or ‘N’ level certification, or equivalent academic qualifications;

(iii) be proficient in spoken or written English; and

(iv) have your trust

You can submit an application by clicking on ‘Buy Now’ or for more information, please contact our friendly Customer Service Officers. 

1800 248 2888 

wecare-sg@greateasternlife.com

1. What is payable in the event of a claim?

Benefits are payable under DIRECT – GREAT Term and DIRECT – GREAT 5Yr Term policies:

2. In which situations are Death, Terminal Illness (TI), and Total & Permanent Disability (TPD) benefits not paid out?

3. What are the riders available for DIRECT – Great Term & DIRECT – Great 5Yr Term?

Each main plan, namely DIRECT – GREAT Term and DIRECT – GREAT 5Yr Term, offers an optional Critical Illness (CI) rider that customer can attach for CI coverage. The CI rider’s sum assured must the same as the main plan.

If a CI claim is made, the main plan pays out the sum assured and the policy ends.

Below is a summary of the main plans with their corresponding CI rider:

4. What is the minimum and maximum sum assured available for customers under DIRECT plans?

5. What are the CIs covered under the CI rider?

The covered CIs are of the late stage and the 30 CIs are:

6. In which situations are the CI benefits not paid out?

7. Is it possible to make changes to the CI rider after my policy is in force?

The rider term and the sum assured of the CI rider must match that of the main plan. 

• Once a policy is in force, you are unable to change the term of the plan & rider. 
• If you want to increase the sum assured of the rider, you need to increase the sum assured of the main plan and it can only be done within 1 policy year
• If you want to reduce the sum assured of the rider, you need to reduce the sum assured of the main plan, fulfilling the condition that the remaining sum assured must not be lesser than $50k.

You can cancel the CI rider at any time and keep the main plan.

Notes and Disclaimers

• Sum Assured denotes the coverage amount under the policy.
• All ages specified refer to age next birthday.
• The above is for general information only.  For precise terms and conditions of this insurance plan, please refer to the policy contract.

1. Does Great Eastern have a panel of doctors?

Yes, the Company has a panel of doctors. The list would be provided should medical check-up is required.

2. Do I have to pay for the medical check-up?

You do not have to pay for the medical check-up which is requested by the company. However, should you decide to free-look the policy, the cost of the medical check-up will be deducted before refund of premiums.

3. What if I change my mind about the new policy, i.e. how to freelook my policy?

This Policy may be cancelled by written request to the Company within 14 days after the Policyholder has received the policy document in which case premiums paid less medical fees (if applicable) incurred in assessing the risk under this Policy will be refunded.

If this policy document is sent by post, it is deemed to have been delivered and received in the ordinary course of the post 7 days after the date of posting.

Please refer to “Your Servicing Guide” attached for more information.

1. How do you inform me when premium is due?

You will not receive premium notices if you are paying by monthly mode. For all other modes of payment, premium notices will be mailed to you.

2. What are the different payment methods available?

Please refer to “Your Servicing Guide” or our website for more details on payment methods available for your policy.

3. What is the GIRO deduction date?

Once your GIRO application is approved by your designated bank, you will receive a confirmation letter to advise you on the pre-assigned GIRO deduction date for your policy(ies).

4. Will I receive any receipt after I pay my renewal premium?

An official receipt will be mailed to the policyholder upon receipt of the payment of renewal premium. No receipt will be issued for payment via GIRO or credit card.

5. How do I change my payment frequency?

Yes, you may download the Application for Change Form from our website and complete “Section 1: Change of Payment Frequency” and post it to us.

6. What are the risks if I do not pay the premiums on time?

7. What is the penalty for early termination of policy?

If you cancel your Policy within the free-look period i.e. 14 days from receiving your policy document, you will get a refund of your premiums paid less any medical fees. If you surrender your Policy after the free-look period, you may lose part or all of the premiums paid as the surrender value payable, if any, may be less than the total premiums paid. Purchasing a new policy may require underwriting and may result in higher premiums and/or benefit exclusions due to your age and health status at the point of re-application.

1. How do I submit a claim?

You may download and print the claim forms from our Great Eastern website at www.greateasternlife.com

• Click on “Quick Links” and select “Submit a Claim”. Choose the relevant form you need from the list, and print it.
• Fill in the required forms and ask your doctor to complete the doctor’s statement.
• Submit all the required forms and supporting documents to us for assessment.

2. How do I check my claims status? You may check on the status of your submitted claim through any of these options:

• Log on to e-Connect for online information about your policies.
• Email us at LifePAClaims-SG@greateasternlife.com.  You may check on the status of your submitted claim through any of these options

¹ Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life Assured within 12 months of the diagnosis. The terminal illness must be diagnosed by a registered medical practitioner and must be supported by evidence acceptable to the Company. Please refer to the policy contract for the full list of exclusions.

² Total and Permanent Disability (TPD) refers to:
(a) The Life Assured, due to accident or sickness, is disabled to such an extent as to be rendered totally unable to engage in any occupation, business or activity for income, remuneration or profit; and the disability must continue uninterrupted for at least 6 consecutive months from the time when the disability started; and the disability must, in the view of a medical examiner appointed by the Company, be deemed permanent with no possibility of improvement in the foreseeable future; or

(b) The Life Assured, due to accident or sickness, suffers total and irrecoverable loss of use of:
(i) the entire sight in both eyes; or (ii) any two limbs at or above the wrist or ankle; or (iii) the entire sight in one eye and any one limb at or above the wrist or ankle.
Subject to a maximum TPD Benefit of S$5,000,000 on all policies and riders issued by the Company on the same Life Assured.
The TPD benefit is only applicable if TPD occurs before the policy anniversary on which the Life Assured is age 65 next birthday.

³ DIRECT - GREAT Critical Care/ 5yr Critical Care rider. On diagnosis of one of the 30 critical illnesses (except for Angioplasty & Other Invasive Treatment for Coronary Artery), the basic sum assured will be accelerated and paid in one lump sum. This rider will then be terminated. The amount of accelerated basic sum assured equals to the sum assured of this rider.
Subject to a maximum CI Benefit of S$3,000,000 on all policies and riders issued by the Company on the same Life Assured.

For Angioplasty & Other Invasive Treatment for Coronary Artery (“Angioplasty”), the basic sum assured equal to 10% of the rider sum assured (up to a maximum of S$25,000 per Life Assured) will be payable if the Life Assured undergoes a treatment. After a claim is paid, the balance of the rider sum assured and balance of the basic sum assured with reduced premiums will continue. No benefit for Angioplasty will be payable for subsequent treatments under this and any other policies and riders covering Angioplasty.
No benefit under this rider will be payable for Heart Attack of Specified Severity, Major Cancer, Coronary Artery By-pass Surgery or Angioplasty & Other Invasive Treatment for Coronary Artery if the diagnosis is made within 90 days from the date of commencement of this rider, or from the date of any reinstatement.
Sum assured is capped at S$400,000 for all direct purchase insurance plans.

There are two non-participating riders available:

• You can attach DIRECT – GREAT Critical Care to DIRECT – GREAT Term.
• You can attach DIRECT – GREAT 5yr Critical Care to DIRECT – GREAT 5yr Term.

Premiums vary according to age at entry, gender and lifestyle choices, such as smoking. The premium charged is not guaranteed and may be revised in future at the Company’s discretion.

All ages specified refer to age next birthday.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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.

As this product has no savings or investment feature, there is no cash value if the policy ends or is terminated prematurely.

As DIRECT - GREAT Term is a Direct Purchase Insurance plan, you can sign up for it directly without seeking any advice from any financial advisory representative.

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

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

Information correct as at 17 August 2026.