MyProtection Income Plus Benefit

1. Death Benefit
   Subject to the Policy, if the Insured passes away during the Insurance Period, Allianz shall pay the Death Benefit to the Beneficiary as follows: 

   Policy Year on Insured’s Death	Amount of Death Benefit
   1st and 2nd Policy Years	102% (one hundred and two percent) of total Premium paid by the Policyholder or Premium Payor (as the case may be) and received by Allianz
   3rd to 5th Policy Year	120% (one hundred and twenty percent) of total Premium paid by the Policyholder or Premium Payor (as the case may be) and received by Allianz
   6th Policy Year and onwards during the Insurance Period	Amount of Sum Assured

2. Accidental Death Benefit  
   1. Subject to the Policy, if the Insured passes away due to an Accident during the Insurance Period, PT Asuransi Allianz Life Indonesia shall pay the Accidental Death Benefit to the Beneficiary in the amount of 1 (one) time the Death Benefit amount to which the Beneficiary is entitled as referred to in the Policy.
   2. The Accidental Death Benefit shall be paid in addition to the Death Benefit as referred to in the Policy.
   3. The Accidental Death Benefit shall only be paid if the Insured passes away within a period of 90 (ninety) calendar days from the date of the accident.
3. Guaranteed Annual Cash Benefit
   1. Guaranteed Annual Cash Benefit means the amount payable to You at the end of each Policy Year, starting from the end of the 1^st (first) Policy Year to the end of the 9^th (ninth) Policy Year, in accordance with the following provisions and other terms and conditions of the Policy.
   2. The amount of the Guaranteed Annual Cash Benefit shall be 8% (eight percent) of the amount of Premium paid by You or the Premium Payor (as the case may be) in 1 (one) Policy Year (“Annual Premium Value”).
      The following table provides further sets out the payment and the amount of the Guaranteed Annual Cash Benefit:

      Policy Year	Guaranteed Annual Cash Benefit	Guaranteed Annual Cash Benefit Due Date
      1	8% of Annual Premium Value	End of 1st Policy Year
      2	8% of Annual Premium Value	End of 2nd Policy Year
      3	8% of Annual Premium Value	End of 3rd Policy Year
      4	8% of Annual Premium Value	End of 4th Policy Year
      5	8% of Annual Premium Value	End of 5th Policy Year
      6	8% of Annual Premium Value	End of 6th Policy Year
      7	8% of Annual Premium Value	End of 7th Policy Year
      8	8% of Annual Premium Value	End of 8th Policy Year
      9	8% of Annual Premium Value	End of 9th Policy Year
      10	None	-

      For the avoidance of doubt, the amount of each Guaranteed Annual Cash Benefit to which You are entitled shall be as stated in the Policy Data.

   3. PT Asuransi Allianz Life Indonesia will only pay the Guaranteed Annual Cash Benefit to You if all of the following requirements have been met: 
      1. The Policy is effective or active at the end of each relevant Policy Year.
      2. The Premium for 1 (one) Policy Year has been paid in full in accordance with Your selected Premium payment method, and each such Premium has been received by Allianz no later than the end of the Grace Period.
      3. The amount of the Guaranteed Annual Cash Benefit payable by Allianz is fixed and in accordance with the amount of annual Premium. The amount of Guaranteed Annual Cash Benefit shall not be calculated from the total amount of Premium that PT Asuransi Allianz Life Indonesia have received.
      4. If the Policy terminates before the Guaranteed Annual Cash Benefit Due Date but the Policy is then reinstated after the Guaranteed Annual Cash Benefit Due Date in accordance with the terms and conditions of the Policy, the Guaranteed Annual Cash Benefit for that Policy Year will be paid by Us on the next nearest Guaranteed Annual Cash Benefit Due Date.
      5. Payment of Guaranteed Annual Cash Benefit shall be made within 7 (seven) business days from the Guaranteed Annual Cash Benefit Due Date.
   4. If the Insured passes away in a Policy Year and the Death Benefit or Accidental Death Benefit claim is only approved by Allianz after the Guaranteed Annual Cash Benefit for that Policy Year has been paid, the amount of Death Benefit or Accidental Death Benefit payable shall be reduced by the amount of the Guaranteed Annual Cash Benefit that has been paid for that Policy Year.
4. Maturity Benefit
   If the Insured is still alive on the End of Coverage Date as stated in the Policy Data, the Policy shall terminate and PT Asuransi Allianz Life Indonesia will pay the Maturity Benefit to the Policyholder in amount of 110% (one hundred and ten percent) of the total Premiums paid by the Policyholder or Premium Payor (as the case may be).