MyProtection Sejahtera is a unit linked product with regular premium payment system that provides a balance between investment and protection benefits. This product can be used to prepare for various life necessities such as: protection of children’s education cost, family health protection, pension fund protection even for potential long-term investment needs.
Extensive opportunities with various types of investments suited to your risk profile.
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100% life sum insured + investment fund value potential if the insured passes away*
*) Protection until the Insured reaches 100 years of age.
Options of Additional Benefits
Benefits of the potential value of investment funds
*) Not including fees Bid/Offer spread 5%
Policy Maturity Benefits
If the insured survives to the end of the insurance period, Allianz will pay the end of contract benefit in the form of all balances of investment value (if any) on the insurance expiration date.
Policy Redemption Benefit
If the policy holder cancels or redeems the policy, then the investment value which has formed will be paid to the policy holder.
Insured age of entry
Top up allocation : 105,26%.
Premi
Full Underwriting in accordance with the provisions of the policy.
Premium Allocation
Rupiah (IDR) |
|
---|---|
1 | 25% |
2 | 60% |
3 | 85% |
4 | 92,5% |
5 | 92,5% |
6, dst | 105,26% |
Administrative costs IDR35.000/month and will be deducted from the premium unit.
Withdrawal of partly invesment funds (Withdrawal):
Insurance Costs
Calculated based on age and gender.
Switching Costs
Free of charge for 5 times in 1 year. 1% cost or minimum IDR1,000,000 will be charged for more than 5 times.
Bid/offer spread : 5%
Currency : Rupiah (IDR)
Free look period : 14 (fourteen) Calendar day from the date of policy receipt by the policy holder.
Basis & frequency of fund assessment **
In the form of units using daily unit prices
Pertanyaan singkat seputar kesehatan/Simplified Issue Offer (SIO) untuk maksimum Uang Pertanggungan Rp1,5 miliar/polis dengan Total Uang Pertanggungan keseluruhan:
Dony, 30 years old, does not smoke, works as a manager in a company.
Needs to achieve his dreams: maximum investment funds in the future
Total regular premium: IDR12,000,000/year for 20 year.
(Regular Basic Premium: IDR12,000,000.)
Tabel proyeksi nilai dana investasi dari total premi berkala yang dibayarkan (Rupiah)
Akhir Tahun Polis | Usia Tertanggung | Total premi berkala yang dibayar per tahun selama 20 tahun | Proyeksi Nilai Dana Investasi per tahun |
Sedang (13%) | |||
1 |
30 |
12.000 |
3.221 |
2 |
31 |
12.000 |
1.547 |
3 |
32 |
12.000 |
3.082 |
4 |
33 |
12.000 |
8.652 |
5 |
34 |
12.000 |
14.908 |
6 |
35 |
12.000 |
23.458 |
7 |
36 |
12.000 |
32.962 |
8 |
37 |
12.000 |
43.191 |
9 |
38 |
12.000 |
54.423 |
10 |
39 |
12.000 |
66.721 |
↓ |
↓ |
↓ |
↓ |
26 |
55 |
0 |
416.978 |
27 |
56 |
0 |
446.424 |
28 |
57 |
0 |
476.844 |
29 |
58 |
0 |
508.992 |
Total |
240.000.000 |
Allianz is one of the insurance providers and asset management provider in the world, found in 1890 in Germany, Allianz now presents in more than 70 countries and serves more than 75 million customers worldwide.
PT. Allianz Life Indonesia Insurance was established in 1996 and is engaged in life, health, retirement and sharia insurance. At present, PT. Allianz Life Indonesia Insurance has developed a distribution network in more than 44 cities through more than 87 business partner offices and supported by more than 14,000 salespersons.
Important notes: