Great EasternGreat 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.
We respect your privacy and we are committed to handle your personal information safely and responsibly
Product Summary
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Key Features
Essential features of your insurance coverage
| Cover Term | Protection up to age 80 |
| Premium Type | Progressive rate. Increases as you age. |
| Plan Renewal | Option to renew plan guaranteed renewal until 80 years next birthday |
| Tax Relief | Up to a maximum of RM3,000 a year |
| Bereavement Benefit | RM5,000 upfront bereavement amount |
Coverage
How will Great Insurance help to secure your family's financial future?
Main Coverage Overview
| Main Coverage | Coverage Period | Am I Protected? | Coverage Amount |
|---|---|---|---|
| Death | up to 80 years old | up to 100% sum assured after deducting Bereavement upfront amount of RM5,000 | |
| Total and Permanent Disability (TPD) | up to 65 years old | up to 100% sum assured | |
| Bereavement | up to 80 years old | RM5,000 upfront amount |
Important Coverage Notes
Death: The 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.
Bereavement: In 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.
Need Clarification? Contact Great Eastern Insurance at 1300188188 for detailed explanations of coverage terms and conditions.
Requirements
Age requirements and eligibility criteria for coverage
| Minimum Entry Age | At least 18 years of age |
| Maximum Entry Age | At most 60 years of age |
| Coverage Expiry Age | At most 80 years of age |
Eligibility Summary
This insurance product is designed for individuals who meet the age requirements and are looking for comprehensive life insurance coverage. All applicants must meet the specified age criteria at the time of application to be eligible for coverage.
Important Documents
Download essential documents to learn more about your insurance coverage
Product Disclosure Sheet
Detailed information about the product features, benefits, and terms
Product Brochure
Marketing brochure with key highlights and benefits
Policy Wording
Complete policy terms and conditions
Need Help? If you have trouble accessing any documents or need additional information, please contact Great Eastern at 1300188188 or customer.my@greateastern.com
Frequently Asked Questions
Get answers to common questions about term life insurance, coverage options, and the application process.
Great Term Direct is a non-participating term life insurance plan underwritten by Great Eastern Life Assurance that provides coverage for death or Total and Permanent Disability (TPD) with a unique Bereavement benefit of RM5,000.
You get Death coverage (balance after RM5,000 bereavement benefit), TPD coverage (full sum assured), and Bereavement benefit (RM5,000 upfront to loved ones upon death). Coverage continues until age 80, with TPD coverage until age 65.
There are 5 Basic Sum Assured plans: RM100K, RM200K, RM300K, RM400K, and RM500K. You can decrease your sum assured to any of these 5 options but no increase is allowed after policy activation.
Premiums vary based on your chosen sum assured, gender, smoker status and age. Premiums are progressive and increase as you age. You pay premiums until age 80 with flexible payment options: annually, half-yearly, quarterly, or monthly.
You must be 18-60 years old, a Malaysian citizen residing in Malaysia, have valid email and mobile number, own/control the policy, and have no pre-existing medical conditions. Medical examinations are not required.
For TPD before age 65, you receive the full basic sum assured (max RM10M per life). Payment is in 3 installments: first as lump sum of basic sum assured or RM2M (whichever lesser), then balance in 2 equal annual installments.
Still have questions?
Our support team is here to help you with any inquiries.
Contact Our Support TeamWhat Our Customers Say
Hear from families who have secured their financial future with our term life insurance.
"I’ve worked with other insurers before, but what stood out with Qoala was the professionalism and depth of insight from their advisor. They tailored the recommendations to my long-term goals and checked in after to ensure everything aligned with my needs."
Chew Chong Yong
Father of two, Malaysia
"I’ve worked with other insurers before, but what stood out with Qoala was the professionalism and depth of insight from their advisor. They tailored the recommendations to my long-term goals and checked in after to ensure everything aligned with my needs."
Nabishah
Parent, Malaysia
Real humans are here for you
Have questions? Want to file a claim? Our dedicated human support team is always ready to personally assist you - no bots, no automated responses.
General Enquiries
cs@qoala.mySales Enquiries
(+60) 3 2201 7474Business Hours
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