Great Eastern

Underwritten by Great Eastern Life Assurance (Malaysia) Berhad

Great Term Direct

Live your best life with continuous protection till you're 80 years old! Great Term Direct ensures essential coverage for you and your loved ones with affordable premiums and flexibility to choose your preferred sum assured amount.

    • RM100k Minimum Sum Assured
    • Death Coverage Until Age 80
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured

Get covered now with Great Term Direct

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How to Claim

Who do I call to make a claim or state an emergency?

Great Eastern Hotline
  •  1300130088
  • Features

    What makes this Great Eastern insurance policy stand out?

    Cover Term
    Protection up to age 80
    Premium Type
    Flat rate. Stays the same throughout coverage term.
    Plan Renewal
    Option to renew plan guaranteed renewal until 80 years next birthday.
    Income Tax Relief
    Up to a maximum of RM3,000 a year.

    Protection for Your Family

    How will Great Eastern help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    Death
    A lump-sum payment to your family when you die of any causes
    up to 80 years oldYes, up to 100% of sum assured after deducting Bereavement upfront amount of RM5,000
     
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    up to 65 years oldYes, up to 100% of sum assured
     

    Age Requirements

    Am I eligible to apply for this Great Eastern insurance?

    Minimum Age
    at least 18 years of age
    Maximum Age
    at most 60 years of age
    Expiry Age
    at most 80 years of age

    Frequently Asked Questions about Great Term Direct

    Things you might want to know

    What is Great Term Direct?

    Underwritten by Great Eastern Life Assurance, this is a non-participating term life insurance plan (no investment elements) that provides coverage in the event of death or Total and Permanent Disability ( TPD) that comes with Bereavement benefit.

    Tell me more about the coverage and benefits.

    Within this plan, you will receive coverage and benefit for the following:

    • Death
    • Total and Permanent Disability ( TPD)
    • Bereavement
    Coverage & BenefitsPayout
    BereavementIn an unfortunate event of your death during thiis policy's term, an upfront amount of RM5,000 from your basic sum assured will be given to your loved ones.
    DeathThe balance of the basic sum assured will be payable in one lump sum amount. This is after deducting from the Bereavement benefit.
    Total and Permanent Disability ( TPD)In an unlikely event of Total and Permanent Disability ( TPD) which occurs before the age of 65 years (on your next birthday), you will receive the basic sum assured in accordance with the provisions stated in your policy.

    In the event of TPD, the maximum basic sum assured is of RM10 million per life (excluding group policies). 

    This will be paid in 3 annual installments with the first being a lump sum of the basic sum assure or RM2 million (whichever is lesser). The balance (if any) will be payable in two (2) equal annual installments.

    How much is the Basic Sum Assured can I purchase with this policy?

    You can purchase from 5 Basic Sum Assured plans:

    Plan12345
    Basic Sum AssuredRM100KRM200KRM300KRM400KRM500K

    You can choose to decrease your sum assured but only limited to the 5 options. Any decrease in sum assured will take effect from the next premium due date.

    No increase in sum assured is allowed after the policy is activated.

    How much premiums do I have to pay?

    Based on your chosen Basic Sum Assured from the above, your premiums will vary. Premiums also varies by gender, smoker status and will increase as you age.

    Great Term Direct policy's premiums are affordable and will be paid until you are 80 years old, on your next birthday. This means that you will get continuous protection for a very long time.

    You have the flexibility to pay your premiums annually, half-yearly, quarterly or even monthly via your credit or debit card.

    In terms of renewal, there's a 30-days grace period from the premium due date, after which the policy will lapse of the premium remains unpaid.

    Am I eligible to apply?

    The entry age for Great Term Direct is 18 to 60 years old (on your next birthday). 

    Furthermore, there is an eligibility checklist that you must fulfill upon application:

    • A Malaysian citizen residing in Malaysia
    • Have a valid email address
    • Have a valid Malaysian mobile number
    • Owns and/or has effective control over the policy
    • No pre-existing medical conditions

    The above list is non-exhaustive. For full eligibility checklist, please check out Great Eastern's website.

    Where can I purchase this plan?

    Great Term Direct can be purchased directly from Great Eastern Life via their website, without the need for an intermediary involved in its sales or marketing.

    Application is easy, you'll only need to:

    • Answer some simple health related questions
    • Medical examinations are not required

    Are there any exclusions I should be aware of?

    Yes, the following would not be payable:

    • Death during the policy's first year from commencement or reinstatement date (whichever is later), as a result of suicide, while sane or insane.
    • Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane.

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