Smart Life Advantage

Life Insurance

Smart Life Advantage

Great is embracing the IFs in LIFE

As your goals and financial commitments evolve with life’s milestones, Smart Life Advantage provides you the extra flexibility to adjust your protection – so you can meet the many ifs in life with confidence.


With this whole-life investment-linked plan, you can also accumulate your wealth via a wide range of professionally managed funds for your savings or retirement goals in the dedicated Accumulation Account.

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Key benefits


Adjust your protection anytime

With Smart Life Guarantee, you can enjoy guaranteed step up cover1 and option to increase Critical Illness2 (CI) coverage at five key milestones.


Secure comprehensive protection

Add exclusive supplementary benefits (riders) for enhanced protection against early, intermediate and critical stage CIs and Personal Accident.


All in one – Protect and Accumulate

Exercise greater control over your protection and accumulation needs through two separate accounts – all within one policy.

How Smart Life Guarantee works


Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation – consider GREAT SupremeHealthGREAT TotalCare and Supreme MediCash.


Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure.


Premium waiver: To ensure premiums are taken care of when critical illness occurs, consider Smart Early Critical Care Premium Waiver Rider

1 The maximum increase for each exercise of Smart Life Guarantee is S$100,000 or 50% of the initial sum assured, whichever is lower. Smart Life Guarantee can be exercised twice during the policy term to increase cover for each of (i) Death, TPD and TI and/or (ii) CI, as desired.


2 CI benefit is additional and is not paid out from the basic sum assured. 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.

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 buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.


Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units in the Fund(s) and the income accruing to the units, if any, may fall or rise. Please refer to Fund Details and Product Highlights Sheet for the specific risks of the Fund(s). Past performance is not necessarily indicative of future performance.


This plan is 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 ( or


Information correct as on 5 December 2018.