Benefits of investing
Consider investing in GREAT Invest Advantage using cash, SRS funds or CPF savings under CPFIS
GREAT Invest Advantage provides you the access to professionally managed GreatLink Funds that allow potential growth in the long term. With a diversified range of GreatLink Funds with different investment objectives, horizon, liquidity and level of risk, you can customise your investment portfolio based on your individual budget, risk profile, financial needs and preference.
Curate your investment portfolio with our diversified range of GreatLink funds
Your questions answered
The GREAT Invest Advantage series are investment-linked insurance plans (ILP) designed to meet your wealth accumulation needs. By giving you access to professionally managed funds, this allows the account value of your policy to potentially grow in the long term. The account value of this plan will vary directly with the performance of the funds.
You may choose between single premium and recurrent single premium.
GREAT Invest Advantage can be purchased with cash, via CPF Investment Scheme – Ordinary Account and Special Account (CPFIS – OA and CPFIS – SA), and via the Supplementary Retirement Scheme (SRS) depending on the chosen plan.
Recurrent single premium, or RSP, is a payment method that gives you full flexibility to continue or stop paying the recurrent single premium at any time. You may increase or reduce your recurrent single premium amount, subject to the prevailing minimum premium limit. Mid-way termination of premium payment does not subject you to any penalty.
GREAT Invest Advantage provides you with financial protection against death and terminal illness.
We will pay the following in one lump sum if the life assured dies or is diagnosed with a terminal illness:
(a) 110% of the total recurrent single premiums or single premium paid, whichever is applicable, plus 110% of the total single premium top-ups (if any), less 110% of the total amount of partial surrenders made (if any); or
(b) the account value,
whichever is higher, less any debt (if any) under the policy.
There are certain situations when we will not pay the benefits under the plan. These conditions are stated in the policy contract.
You can choose to invest in one or more of the GreatLink Funds. For the full list of funds available for your policy, you can refer to our website. Please note that purchasing GREAT Invest Advantage under the CPFIS will limit the selection of funds that you can invest in. Details of each fund can be found in their respective fund documents, which will explain the risk that is specific to each fund.
The following documents are also made available for you to better understand each fund:
- Prospectus/Fund Details/Fund Summary (where applicable);
- Product Highlights Sheet (PHS);
- Provider’s Factsheet;
- Semi-annual and Annual Reports; and
- Performance charts.
Please note that every fund or combination of funds has its own investment objectives, horizon, liquidity, and level of risk. You are advised to select fund(s) that match your risk profile, needs and preferences.
(a) Premium charge
We will deduct a premium charge from the premiums you pay. The premium charge is a percentage of each payment of the premium or single premium top-up, as shown in the product summary. There is no premium charge for policies purchased via CPFIS.
(b) Switching fee
There is currently no switching fee if you decide to switch funds.
(c) Partial/full surrender charge
There is no surrender charge levied on a partial and/or full surrender transaction.
(d) Fund management charge and custodian fee
We will deduct a fund management charge and custodian fee from the fund value at each asset valuation, before the determination of the unit prices. Please refer to the Fund Details and PHS for the fund(s) selected. These documents can also be downloaded from our website.
As buying a life insurance policy is a long-term commitment, an early termination of the policy after the free-look period usually involves high costs. Insurance coverage will be lost if you surrender your policy early.
The actual amount you will receive depends on the value of all your selected funds based on the prices of the respective funds at the next valuation date. This may be lower than the total premiums and total single premium top-ups (if any) which you have paid.
When you invest in this plan using funds from your Supplementary Retirement Scheme (SRS), the plan will be managed in compliance with the SRS regulations as amended from time to time. If the terms and conditions are inconsistent with those regulations, then the regulations shall prevail.
The interest rates on Ordinary Account (OA), Special Account (SA) and MediSave Account (MA) savings are reviewed quarterly.
OA savings earn either the legislated minimum 2.5% per annum, or the 3-month average of major local banks’ interest rates, whichever is higher.
SA and MA savings are invested in Special Singapore Government Securities (SSGS) which currently earn either 4.0% per annum, or the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1.0%, whichever is higher.
Members can only invest their CPF savings under CPF Investment Scheme-OA (CPFIS-OA) after setting aside S$20,000 in their OA. Likewise, they can only invest their CPF savings under the CPF Investment Scheme-SA (CPFIS-SA) after setting aside S$40,000 in their SA.
An extra 1.0% interest per annum is currently paid on the first S$60,000 of a member’s combined balances (with up to S$20,000 from the OA). For CPF members who are aged 55 and above, an additional 1.0% interest per annum will be paid on the first S$30,000 of their combined balances. This is paid over and above the current extra 1.0% interest that is earned on the first S$60,000 of their combined balances.
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Understand the details before buying
1 GreatLink Dynamic Portfolios can only be invested through cash.
2 For partial surrender for policies bought using cash or SRS funds, the minimum value of units to be cancelled is $50 and the value of remaining units in each fund after the partial surrender should be at least S$500. For partial surrender for policies bought under CPFIS, the minimum value of units to be cancelled and the value of remaining units in each fund after the partial surrender should be at least S$500.
3 All partially or fully surrendered amounts will be returned to the source of the original premium payment. Cash payments will be made to you, while funds from your CPFIS account or SRS account will be returned to the respective accounts.
4 Subject to the condition that the account value of the policy remains positive.
5 Upon death or terminal illness being diagnosed, we will pay either (a) 110% of the single premium/total recurrent single premium paid plus 110% of the total single premium top-ups paid (if any) less 110% of the total partial surrenders made (if any); or (b) the account value of the policy, whichever is higher, less any outstanding debt.
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.
Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. 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.
A Product Summary and a Product Highlights Sheet in relation to the fund(s) may be obtained through The Great Eastern Life Assurance Company Limited or its financial representatives. Potential investors should read the Product Summary and the Product Highlights Sheet before deciding whether to invest in the fund(s). Returns on the units of the fund(s) are not guaranteed. The value of the units in the fund(s) and the income accruing to the units, if any, may fall or rise.
This policy 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 (www.lia.org.sg or www.sdic.org.sg).
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
Information correct as at 17 October 2025.
