At a Glance

100% investment allocation starting from the first year

With over than 10 (ten) fund choices

Waiver of premium

Due to critical illness

Active policy guarantee

Within the first 8 years of the policy

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Features & Benefits


  • Insured's entry age is 6 months - 70 years

  • Minimum premium is Rp24,000,000/year

  • In IDR and USD

  • Annual premium payment

Main benefits:

  • 102% investment allocation starting from year 8.

  • Loyalty benefit of 1% from the policy starting from the end of the 6th year and given every 3 years*.

  • Free to choose the allocation of investment funds according to the risk profile of investors.

  • 100% investment allocation starting from the first year.

  • End-of-life benefit of 20 times annual premium or 5 times annual premium plus investment value*.

  • Premium waivers benefit up to the age of 70 if 1 in 49 critical illnesses are affected.

  • Total permanent disability benefit is 5 times the annual premium.

*Terms & conditions apply



Adik understands the importance of having insurance since young to protect himself, despite his lavish lifestyle.


Contact Us

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