In today's uncertain world, securing your family's future is more important than ever. Did you know that 1 in 5 Singaporeans will be diagnosed with cancer before reaching 75 years old? Or that cardiovascular diseases account for 30% of all deaths in Singapore? These sobering statistics highlight the importance of comprehensive life protection. If you're looking for a flexible and robust insurance plan that grows with your needs, the GREAT Flexi Protect Series 3 might be the solution you've been searching for.
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GREAT Flexi Protect Series 3 is a comprehensive whole life participating insurance plan designed to offer you and your family enhanced protection with flexible choices on multiplied coverage . It's not just a single plan, but a series of options that allow you to tailor your protection according to your specific needs and budget.
Choose between two comprehensive whole life participating plans. Customize your coverage based on your specific needs.
Boost your coverage by 200%, 300%, or even more . No limit to the multiplier factor.
Non-guaranteed bonuses accumulate with each policy year. Your protection value grows as you age.
Special benefits for specific medical conditions. Coverage for your children under the Juvenile Benefit.
Choose to pay premiums for 20 years or until age 65. Enjoy lifelong protection even after premium payments end.
| Age | What suggestion covers | Premium |
|---|---|---|
| 28, Male making $5,000 a month | pre 70: death $300,000 critical illness $300,000 early critical illness $180,000 post 70: death $120,000 critical illness $120,000 early critical illness $0 | $3,274.05 |
| 30, Female making $3,008.333 a month | base $50,000 rider $150,000 total $200,000 | Not provided |
| 30, Male making $5,000 a month | pre 65: ci $300,000 eci $180,000 death $300,000 post 65: ci $56,000 eci $0 death $56,000 | $2,303.85 |
| 22, Female making $2,300 a month | pre 65: ci $200,000 eci $150,000 death $200,000 post 65: ci $105,000 eci $0 death $105,000 | $1,965.25 |
| 36, Male making $2,000 a month | TPD $200,000 death $200,000 critical illness: early to late $200,000 num illnesses covered $53 terminal illness $200,000 | $2,978.95 |
GREAT Flexi Living Protect 2: Covers Death, Total & Permanent Disability (TPD), Accidental TPD (ATPD), Terminal Illness (TI), and Critical Stage of Critical Illness (CI) with Additional Benefit. br>b>GREAT Complete Flexi Living Protect 2: Covers all the above, plus Early and Intermediate Stages of CI with Additional Benefit.
Living Multiplier Rider: Covers Death, TPD, TI, and Critical Stage of CI with Additional Benefit. br>b>Complete Living Multiplier Rider: Covers all the above, plus Early and Intermediate Stages of CI with Additional Benefit.
Special Benefit: Covers specific medical conditionsbr>Senior Benefit: Additional coverage for age-related conditionsbr>Benign Tumour Benefit: Coverage for non-cancerous tumoursbr>Juvenile Benefit: Protects your children up to age 18
The unique feature of GREAT Flexi Protect Series 3 is its multiplier option. Here's how it works:
For example, if you choose a base plan coverage of $100,000 and add a 300% multiplier, your total coverage would be $400,000.
Meet James, a 30-year-old non-smoker, married with a child.
James chooses:
Total Initial Combined Coverage: $450,000
Monthly Premium: $386
Payment Term: 20 years
Here's how James benefits from his policy over time:
Age 30: James undergoes Angioplasty
Age 45: Diagnosed with Early Stage Kidney Failure
Age 50: Diagnosed with Early Stage Lung Disease
Age 55: Receives a total payout of $73,969
Age 70: Coverage continues for life
This example illustrates how the plan provides comprehensive protection throughout different life stages, with increasing benefits over time.
Flexible coverage options to suit different needs and budgets
Multiplier riders allow for significantly increased coverage
Comprehensive protection including early and intermediate stages of critical illnesses
Additional benefits for specific medical conditions and age groups
Increasing protection value over time through non-guaranteed bonuses
Lifetime coverage with limited premium payment terms
Premium rates are not guaranteed and may increase over time
Non-guaranteed bonuses depend on the performance of the participating fund
Early termination of the policy may result in high costs and low surrender value
You should check with Great Eastern about options for adjusting your coverage after purchase.
The policy may lapse if premiums are not paid. It's important to choose a premium term that fits your financial situation.
No, the bonuses are not guaranteed and depend on the performance of the participating fund.
This depends on the specific terms of the policy. Consult with your Great Eastern representative for details.
Like all insurance policies, there are exclusions. Be sure to read the policy contract carefully for full details.
GREAT Flexi Protect Series 3 offers a unique combination of comprehensive coverage and flexibility , allowing you to tailor your protection to your specific needs and life stage. With its multiplier options, additional benefits, and increasing protection value over time, it provides a robust safety net for you and your family.
However, as with any significant financial decision, it's crucial to carefully consider your personal circumstances, long-term goals, and budget before committing to a policy. The flexibility of this plan is a double-edged sword – while it allows for customization, it also requires careful consideration to ensure you're choosing the right options for your situation.
Remember, the best insurance plan is one that provides you with peace of mind and fits seamlessly into your overall financial strategy. If you're considering GREAT Flexi Protect Series 3 or any other life insurance plan, it's always wise to consult with a qualified financial advisor who can provide personalized recommendations based on your unique circumstances.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on life insurance plans with flexible coverage options. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your family's future. Don't leave your protection to chance – get the expert advice you deserve today.
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Read the complete transcript of our expert discussion about GREAT Flexi Protect Series 3. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the deep dive. Today we're getting into something really crucial if you're just starting your career, especially he
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