MyProtection Amanah
is a Sharia-based Life Insurance Product with Regular Contribution that provides a combination of life protection along with investment opportunities in various Sub-funds based on their specific needs
Advantages of MyProtection Amanah
MyProtection Amanah Benefit
- Death Benefit
If the Insured Party passes away during the Insurance Period, PT Asuransi Allianz Life Syariah Indonesia shall pay the Death Benefit to the Beneficiary in the amount of the Sum Assured as stated in the Policy Data or Endorsement, if any, plus investment benefit in the form of the Investment Value balance available under the Policy until the date of the approval of the Death Benefit claim.
- Funeral Benefit
If the Insured Party passes away during the Insurance Period, in addition to the Death Benefit, PT Asuransi Allianz Life Syariah Indonesia shall also pay a Funeral Benefit to the Beneficiary amounting to IDR 30,000,000 (thirty million Rupiah) as stated in the Policy Data. - Investment Benefit
PT Asuransi Allianz Life Syariah Indonesia shall pay this benefit in the amount of Investment Value balance under this Policy to:- in the event that the Insured Party passes away during the Insurance Period, to the Beneficiary; or
- in the event that the Insured Party is still alive until the end of the Insurance Period, the Participant; or
- in the event that the Participant’s Policy is terminated or cancelled, where there is Investment Value remaining after deducting Policy Surrender Ujrah (if applicable) and other obligations (if any), the Participant.
- Maturity Benefit
If the Insured Party is still alive until the Insurance End Date for the Basic Insurance as stated in the Policy Data, the Policy is terminated and PT Asuransi Allianz Life Syariah Indonesia shall pay Maturity Benefit in the amount of the entire Investment Value balance (if any) to the Participant. - Loyalty Bonus Benefit
PT Asuransi Allianz Life Syariah Indonesia will grant a Loyalty Bonus Benefit to the Participant at the end of each Policy Year, starting from the end of the 6th (sixth) Policy Year up to the end of the 25th (twenty-fifth) Policy Year (each referred to as a “Bonus Granting Date”). The amount of the Loyalty Bonus Benefit on each Bonus Granting Date is 5% (five percent) of the Regular Contribution in the first Policy Year.
The Loyalty Bonus Benefit will be credited to the Investment Value of the Regular Contribution and allocated to the Sub-fund selected by the Participant (in accordance with the applicable Sub-fund allocation on the Bonus Granting Date), based on the Unit Price at the time the Loyalty Bonus Benefit is granted.
MyProtection Amanah Terms and Conditions
| Insured Entry Age | 1 month - 70 years old (nearest birthday) |
| Participant Entry Age | 18 years - no maximum age (nearest birthday) |
| Coverage Period | up to the Insured Person reaching 100 years of age |
| Contribution Allocation | 0% Insurance |
| Type of Akad |
|
| Contribution Payment Period | Up to the Insured Person reaching 99 years of age |
| Regular Basic Contribution | Starting from IDR2,000,000/month (Contribution amount may be increased or decreased) |
| Regular Top-Up Contribution | Starting from IDR250,000/month |
| Single Top-Up Contribution | Starting from IDR1,000,000
|
| Sum Assured | Minimum: Maximum: |
Available Sub-Fund Options
| Risks Level | Sharia Sub-Fund Option | Investment Strategy | Ujrah* | ||||
|---|---|---|---|---|---|---|---|
| Money Market Sharia Instruments | Fixed Income Sharia Instruments | Sharia Stocks | Allocation of Sharia Instruments | ||||
| In Indonesia | Offshore | ||||||
| Konservatif | Allianz Syariah Rupiah Money Market Class B Fund | 100% | 0% | 0% | 100% | - | 1% |
| Moderat | Allianz Syariah Rupiah Fixed Income Class B Fund | 0 - 20% | 80 - 100% | 0% | 100% | - | 2% |
| Allianz Syariah Rupiah Balanced Class B Fund | 25 - 50% | 50 - 75% | 0% | 100% | - | 2% | |
| Agresif | Allianz Syariah Rupiah Equity Class B Fund | 0 - 20% | 0% | 80 - 100% | 100% | - | 2% |
* Investment Management Ujrah on the Investment Fund per year in accordance with Sub-fund option.
Notes:
- Sharia Money Market Instruments : Sharia deposits, Sharia SBI, Sharia SPN, and/or sukuk/Sharia bonds maturing of less than 1 year
- Sharia Fixed Income Instruments : Government sukuk/sharia bond, corporate sukuk/sharia bond.
- Sharia Equity Instruments : Direct investments in Sharia stock
MyProtection Amanah Product Illustration
Assumed Annual Investment Return Rates: -1%, 0%, 5%, and 10%.
|
Name of Insured Party : Deni Insurance Program Total Annual Regular Contribution : IDR105,000,000 |
Participant : Deni
|
Table of Projected Investment Value of Contribution Paid (in thousands of Rupiah)
Notes:
- The potential Investment Value is not guaranteed and may change, increase, or decrease over time and is subject to investment risks, depending on the performance of the selected Subfund allocation based on the assumed annual investment return.
- The Investment Value assumptions above are only an illustration and do not represent actual investment performance, and are calculated based on the total units formed from Regular Contribution Units and Single Top Up Contribution Units in the Policy based on the Unit Price at a certain time.
- The Benefit Illustration above has taken into account Acquisition and Maintenance Ujrah, Insurance Charges, Administration Ujrah, and Investment Management Ujrah, with the frequency and applicable charges as stated in “Understand the Ujrah related to Your Policy”.
About Allianz
About Allianz Group
Allianz Group is a leading global insurance and asset management company with more than 122 million individual and corporate customers in over 70 countries. Allianz customers benefit from a wide range of insurance services, including individual and group insurance, covering property, life, and health, as well as credit insurance assistance and global business insurance services. Allianz is one of the world’s largest investors, managing insurance customer funds exceeding 714 billion Euros. Meanwhile, our asset managers, PIMCO and Allianz Global Investors, manage an additional 1.7 trillion Euros of third-party assets. Thanks to the systematic integration of ecological and social criteria in business processes and investment decisions, Allianz holds a leading position among insurance companies in the Dow Jones Sustainability Index. In 2022, Allianz Group employed 159,000 people and achieved total revenues of 152.7 billion Euros with an operating profit of 14.2 billion Euros.
About Allianz in Asia
Asia is one of Allianz’s core growth regions, characterized by cultural, linguistic, and traditional diversity. Allianz has been present in Asia since 1910, initially providing fire and marine insurance in coastal cities of China. Today, Allianz operates in 15 markets across the region, offering a wide range of insurance products with core businesses in property and casualty insurance, life insurance, protection and health solutions, and asset management. With more than 36,000 staff, Allianz serves the needs of over 21 million customers in the region through various distribution channels and digital platforms.
About Allianz Indonesia
Allianz began its business in Indonesia by opening a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Subsequently, Allianz entered the life, health, and pension insurance business by founding PT Asuransi Allianz Life Indonesia in 1996. In 2006, Allianz Utama and Allianz Life started their Sharia insurance business. In 2023, PT Asuransi Allianz Life Syariah Indonesia officially began operations as a separate entity providing Sharia-based insurance protection and financial risk management. Today, Allianz Indonesia is supported by more than 1,000 employees and over 40,000 marketing personnel, backed by a network of banking partners and other distribution partners. Currently, Allianz is one of the leading insurance companies in Indonesia, trusted to protect more than 10 million insured individuals.
Important Notes:
- MyProtection Amanah is an insurance product issued by PT Asuransi Allianz Life Syariah Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as a referral for MyProtection Amanah.
- MyProtection Amanah is not a Bank product and therefore the Bank shall not be responsible for any and all claims and any risks incurred by the management of the portfolio of this product. MyProtection Amanah is not protected by the Bank and its affiliates and is not covered by the Indonesian Government’s guarantee programme or the Deposit Insurance Agency (“LPS”). The Bank shall not be responsible for the Policy issued by PT Asuransi Allianz Life Syariah Indonesia. The management of the Investment Fund in accordance with the MyProtection Amanah Sub-fund option shall be carried out by PT Asuransi Allianz Life Syariah Indonesia and/or the Investment Manager appointed by PT Asuransi Allianz Life Syariah Indonesia and shall be the responsibility of PT Asuransi Allianz Life Syariah Indonesia. The performance of Sub-Fund option from PT Asuransi Allianz Life Syariah Indonesia may be accessed on the monthly Fund Fact Sheet.
- PT Bank Maybank Indonesia Tbk is a Bank licensed and under the supervision of the Indonesian Financial Services Authority & Bank Indonesia.
- Investment in the capital market carries market risk. The performance of the Sub-fund is not guaranteed, the Unit price and income from the Sub-fund may increase or decrease. The performance of the selected Sub-fund in the past is not an indication of its future performance. Complete information is available in the Fund Fact Sheet.
- More detailed explanation of the terms and conditions, including the detailed and exclusions may be found in the General Summary of Product and Service Information (RIPLAY), Personal Summary of Product and Service Information (RIPLAY) and the Policy.
- PT Asuransi Allianz Life Indonesia reserves the right to reject any MyProtection Amanah Policy application that does not meet applicable requirements and regulations.
- Investment-Linked Insurance Products (PAYDI) MyProtection Amanah is an insurance product. The investment component of PAYDI carries risks. Prospective Participants must read and understand the General Summary of Product and Service Information (RIPLAY) and Personal (RIPLAY) before deciding to purchase PAYDI. The past investment performance of PAYDI does not reflect future investment performance of PAYDI.
- PT Asuransi Allianz Life Syariah Indonesia is licensed and supervised by the Indonesian Financial Services Authority (OJK), and its Marketing Personnel is licensed by the Indonesian Sharia Insurance Association (Asosiasi Asuransi Syariah Indonesia).
SHARIA
Sharia Mutual Fund
Halal Certification Registration
Halal Certification Registration
Shariah Wealth Management
Simpanan Syariah
Maybank iB Savings Account Promotions
Hajj and Umrah
Zakat, Infaq & Sadaqah
Sharia Business
Property Financing iB
Car Financing iB
Motorcycle Financing iB
Profit Sharing
Shariah Leaders Forum
OTHERS
Customer Support
Happy May With Maybank
Japan Desk
KPR Maybank Payroll
Promotion
Customer Support
Visit Malaysia
News & Announcements
KPM Privilege
Locate Us
Refer a Friend
Fees & Charges
Rates Information
Maybank Basic Credit Interest Rate
Customer Education
External Link
Whistle Blowing
Security Privacy and Policy
Social Media Community Guidelines
Select Country
Corporate Online Services
