MyProtection Infinite II is a life insurance product with periodic premium payments that provides protection for the insured until the age of 100 while also serving as an investment with a variety of investment sub-funds available in accordance with demands.
Additional Benefit option (Rider) of MyProtection Infinite II :investment benefits in the form of the entire balance of Investment Value (if any) to the Policy Holder.
In the event that you submit to PT Asuransi Allianz Life a request not to apply the elimination period and/or waiting period (whichever is appropriate) in relation to the additional coverage that you have chosen ("Additional Application"), you, the prospective insured, the prospective premium payer and/or the prospective Premium Paying Spouse (whichever is appropriate) must meet additional requirements that We will determine in accordance with Our underwriting policy. We reserve the right to refuse an Additional Application submitted in the event that you, the prospective Insured, the prospective Premium Payer and/or the prospective Premium Paying Spouse (whichever is appropriate) do not meet the requirements of our underwriting policy.
Sub Fund Options
|Risk Level||Sub Fun Option||Money Market Instruments||Fixed Income Instruments||Stock Instruments||Allocation of Share Instruments|
|In Indonesia||Offshore||Cost (1)|
|Smartlink Rupiah Money Market Class B Fund||100%||0%||0%||100%||-||1,5%|
|Smartlink Rupiah Fixed Income Class B Fund||0-20%||80-100%||0%||100%||-||2%|
|Smartlink Dollar Managed Class B Fund||0-20%||80-100%||0%||100%||-||1,5%|
|Smartlink Rupiah Balanced Class B Fund||100%||25-50%||100%||-||2%|
|Smartwealth Dollar Multi Asset Class B Fund||0-20%||0-79%||0-79%||-||100% (2)||1,75%|
|Smartlink Rupiah Balanced Plus Class B Fund||25-50%||50-75%||100%||-||2%|
|Smartwealth Liquiflex LQ45 Class B Fund||0-79%||0%||0-79%||100%||-||2%|
|Smartlink Rupiah Equity Class B Fund||0-20%||0%||80-100%||100%||-||2%|
|Smartwealth Equity Small Medium Capital Class B Fund||0-20%||0%||80-100%||100%||-||2%|
|Smartwealth Dollar Asia Pacific Class B Fund||0-20%||0%||80-100%||-||100% (3)||2%|
|Smartwealth Equity Indoconsumer Class B Fund||0-20%||0%||80-100%||100%||-||2%|
|Smartwealth Equity Infrastructure Class B Fund||0-20%||0%||80-100%||100%||-||2%|
|Smartwealth Rupiah Equity Rotation Class B Fund||0-20%||0%||80-100%||100%||-||2%|
|Smartwealth Dollar Equity All China Class B Fund||0-20%||0%||80-100%||-||100% (4)||2%|
|Smartwealth Rupiah Equity Sustainable Indonesia Fund||0-20%||0%||80-100%||100%||-||2%|
(1) Investment Management Fee for the Investment Fund per year based on the choice of Sub Funds
(2) In global market
(3) In Asia Pasific
Extra Periodic Basic Premium Allocation
Get extra allocation of Periodic Basic Premium(1) as Investment Fund(2) since the 6th Policy Year and so on.
|Alokasi Premi Dasar Berkala(1)||Rupiah||Dolar AS|
|6th Year, etc||105%||105%|
(1) Specifically for the allocation of Periodic Top Up Premium and/or Single Top Up Premium: 95% of the Regular Top Up Premium and/or Single Top Up Premium.
(2) Investment Fund to buy Units according to the percentage of premium allocation on investment based on the Policy and according to the choice of Sub Funds.
Allocation of Periodic Basic Premiums as Investment Funds in the table above includes a Persistence Bonus Benefit of 70% of the amount of Regular Basic Premiums paid or Annual Basic Premiums annually in the 1st Policy Year (excluding Periodic Top Up Premiums and/or Single Top Up Premiums (if any)) paid at the end of the 5th Policy Year according to the terms and conditions of the Policy.
|Insured Entry Age||1 month - 70 years old (nearest birthday)|
|Policy Holder Entry Age||Minimum 18 years old (nearest birthday)|
|Currency||Rupiah dan US Dollar.|
|Insurance Period||Until the Insured reaches the Age of 100 years|
|Premium Payment Period||Up to the Insured Age 99 years old|
|Premium Payment Method||
The premium payment scheme is periodic premium (Annually, Semester, Quarterly, and Monthly)
|Premium||Minimum Periodic Basic Premium :
The amount of the Regular Basic Premium cannot be changed (added/deducted)
Minimum Periodic Top Up Premium :
Minimum Single Top Up Premium
Rp1.000.000,- / USD200
Maximum Single Top Up Premium
5 times of Basic Sum Insured per Year.
|Product illustration of MyProtection Infinite II|
Age : Dani 35 years old
Gender : Man
Job Class : 1
Sum Insured: Rp8.000.000.000,- Passed Away
Partial withdrawal of Top Up Premium Investment Fund at the end of the 25th Policy Year in the amount of IDR1,000,000,000
Investment Level Assumptions per Year: 1%, 0%, 5%, dan 10%.
Premium Payment Plan: 21 Years
The Premium Payment Plan is a premium payment term plan determined by the Policy Holder and does not mean that the Policy Holder is only obliged to pay Premiums during that period MyProtection Infinite II product is a long-term insurance product. To keep the Policy valid continuously until the end of the Insurance Period. The Policyholder must pay the Premium on each payment due date during the Insurance Period.
|Benefit Illustration of MyProtection Infinite II|
|Assumed level of investment per year
with 100% placement at Smartlink Rupiah Equity Class B Fund
|The need for a financial plan:
Protection of wealth development to maintain the quality of life for his family
Total of periodic premium Rp250.000.000,-
About Allianz Group
Allianz is one of the world's largest insurance and asset management providers. Together with customers and sales partners, Allianz is one of the strongest financial communities in the world with operations in 70 countries and supported by 150,000 employees serving more than 100 million individual and corporate customers.
About Allianz in Asia
Allianz has been present in Asia Pacific since 1910 on the coast of China by providing fire and freight insurance. Currently, Allianz operates in 16 countries in Asia Pacific to provide general insurance, life, health and asset management. With more than 36,000 staff, Allianz serves the needs of more than 21 million customers in the region through several distribution channels.
About Allianz in Indonesia
Allianz started its operations in Indonesia with a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Furthermore, Allianz entered the Indonesian life and health insurance market, as well as pension fund by opening PT Asuransi Allianz Life Indonesia in 1996.
In 2006, Allianz Utama and Allianz Life started sharia insurance business. Allianz Health & Corporate Solutions was formed in 2014 to serve the needs of individual and group health insurance. Supported by more than 1,300 employees and a network of more than 34,000 sales professionals as well as bank partners and other distribution channels. Today, Allianz in Indonesia is one of the leading insurance groups in the market trusted to protect more than 8,3 million insured.
PT Asuransi Allianz Life Indonesia is licensed and supervised by Otoritas Jasa Keuangan, and its Marketers hold a license from the Indonesian Life Insurance Association
Produk Asuransi Yang Dikaitkan Dengan Investasi (PAYDI) MyProtection Infinite II is an insurance product. The investment component in PAYDI contains risks. Prospective Policyholders must read and understand the General and RIPLAY Personal Product and Service Information.