1. Death Benefit

Subject to the General Policy Terms and Conditions, as well as all other terms and conditions of the Policy, if the Insured dies during the Insurance Period or the extended Insurance Period, as applicable, PT Asuransi Allianz Life Indonesia will pay the Death Benefit to the Beneficiary as follows:

a. The Sum Assured under the Basic Insurance as stated in the Policy Data or Endorsement (if any), provided that, specifically for an Insured who is under and/or up to 5 (five) years of age, the Death Benefit payable will be subject to the following provisions:

b. Sum Assured Booster in the form of an additional 100% (one hundred percent) of the Sum Assured under the Basic Insurance (as stated in the Policy Data or Endorsement (if any)), effective from the beginning of the 10th Policy year, calculated from the Policy effective date. The Sum Assured Booster will only be payable if the Insured dies on or after the beginning of the 10th Policy Year. Information regarding the amount of the Sum Assured Booster and the Death Benefit payable by PT Asuransi Allianz Life Indonesia is stated in the Policy Data or Endorsement (if any).

2. Accidental Death Benefit

Subject to the general policy terms and conditions, as well as all other terms and conditions of the Policy, if the Insured dies during the Insurance Period or the Extended Insurance Period, as applicable:

1. The Insured suffers an Accident; and
2. The Insured dies within 90 (ninety) calendar days from the date of such Accident,

Then PT Asuransi Allianz Life Indonesia will pay the Accidental Death Benefit to the Beneficiary in the form of an additional 100% (one hundred percent) of the Sum Assured under the Basic Insurance as stated in the Policy Data or Endorsement (if any), subject to the following terms and conditions:

1. The maximum Accidental Death Benefit payable by PT Asuransi Allianz Life Indonesia under the Policy is IDR3,000,000,000 (three billion rupiah) across all life insurance policies owned by the Insured and issued by PT Asuransi Allianz Life Indonesia that provide the same benefit.
2. The term "Accident" in this clause refers to the definition set forth in the General Policy Terms and Conditions, and all exclusions as stipulated in the General Policy Terms and Conditions shall remain applicable, including, but not limited to, provisions relating to unlawful acts and being under the influence of alcohol or narcotics.
3. The Accidental Death Benefit will be paid in addition to the Death Benefit as described in the Policy.

3. Policy Surrender Benefit

Subject to the General Policy Terms and Conditions and all other terms and conditions of the Policy, you have the right to surrender the Policy before the End of Coverage Date, provided that the Insured remains alive through the end of the insurance period or the extended insurance period, as applicable, and no claim for the Death Benefit or Accidental Death Benefit has been submitted. In the event of Policy surrender, PT Asuransi Allianz Life Indonesia will pay the Policy Surrender Benefit to you in the amount of the Surrender Value as stated in the Policy Data or Endorsement (if any).

4. Maturity Benefit

1. Subject to the Special Policy Terms and Conditions and all other terms and conditions of the Policy, if the Insured remains alive until the end of the Insurance Period or the Extended Insurance Period, as applicable, and the Policy remains in force, PT Asuransi Allianz Life Indonesia will pay the Maturity Benefit on:
   1. The End of Coverage Date; and
   2. Each Extended Insurance Period Expiry Date, if the insurance Period is extended in accordance with the terms and conditions of the Policy.
2. The Maturity Benefit payable will be a percentage of the total Premiums paid (excluding any additional Premiums paid by you or the Premium Payor), based on the Policy's Insurance Period, as follows:

   Insurance Period	IDR
   20 years	125%
   30 years	150%

3. Subject to the general policy terms and conditions, payment of the Maturity Benefit is subject to the following terms and conditions:
   1. All Premiums due during the selected Premium Payment Period have been fully paid to PT Asuransi Allianz Life Indonesia.
   2. The Maturity Benefit will be paid to the Policy holder, following which the Policy will terminate on the relevant End of Coverage Date or extended insurance Period expiry date, unless the Policy's insurance Period is extended in accordance with the terms and conditions of the Policy.
   3. The Maturity Benefit will not be payable if the Death Benefit and/or Accidental Death Benefit has previously been paid under the Policy.
4. If, after the Maturity Benefit has been paid, a claim for the Death Benefit and/or Accidental Death Benefit is submitted and such claim is approved by PT Asuransi Allianz Life Indonesia, the amount of the Death Benefit and/or Accidental Death Benefit payable by PT Asuransi Allianz Life Indonesia will be reduced by the amount of the Maturity Benefit previously paid.