At a Glance

Life protection up to 99 years old

Death Benefit up to 100%.

Cash Payout Benefit

20% of Sum Insured at 70 years old.

Maturity Benefit up to 100%


Fixed Basic Premium

Throughout the Premium Payment Period.


Features & Benefits

Product Features:

  • The Insured's entry age is 18 - 70 years old.

  • In IDR currency.

  • Selection of premium payment period of 5 years or 10 years.

  • Fixed Basic Premium throughout the Premium Payment period.

Key Benefits:

  • Life protection for the Insured up to 99 years old.

  • Cash Benefit* of 20% Sum Insured is payable at the age 70 years old if the policy is active.

  • Death Benefit is 100% Sum Insured deducted by Cash Benefit (if any).

  • Maturity Benefit is 100% Sum Insured deducted by Cash Benefit (if any) if the Insured is still alive.

Optional Rider:

  • MiTreasure Critical Cover - provide protection if the Insured is diagnosed with one of the 56 critical illnesses.

The Maximum Entry Age eligible to gain the Cash Benefit is 45 years old for Premium Payment Period of 10 years and 50 years old for Premium Payment Period of 5 years.



  • The Insured's entry age is 18 - 70 years old.

  • Premium payment period 5 or 10 years.

  • Coverage period until the Insured reaches the age of 99 years old.

This illustration is non-binding and it is not an insurance agreement or part of Insurance Policy. The right and obligation as a Policy
Holder/Insured and the provision of this product are stated in the Policy. A more complete illustration of this product, including Premium to be paid, Sum Insured, and so on are stated in the Policy.

(*) If the Insured passes away after the age of 70 years old, then Death Benefit paid is 100% Sum Insured minus the Cash Payout Benefit of 20% Sum Insured (if any).

(**) If the Insured survives until End of Coverage Period, then Maturity Benefit paid is 100% Sum Insured minus the Cash Payout Benefit of 20% Sum Insured that is paid when the Insured age is 70 years old (if any).


All fees charged to customers will refer to the provisions of the policy including but not limited to commission fees for the Bank.


Credit and Liquidity Risk

Policyholders will be exposed to credit and liquidity risk of PT Asuransi Jiwa Manulife Indonesia ("Manulife Indonesia") as the risk selector of insurance products. Credit and liquidity risk relates to the ability of the Insurer to pay its obligations to its customers.

Risk of Early Termination of Policy

Early termination of the policy may result in the Policy Value being less than the benefits paid (if any) or the premiums paid and coverage will end.

Operational Risk

A risk caused by the failure or failure of internal processes, people and systems, as well as by external events.


MiTreasure Whole Life Legacy is an insurance product issued by Manulife Indonesia. This product is not a deposit product at Bank DBS Indonesia and therefore does not contain any obligations and is not guaranteed by the bank and is not included in the government guarantee program of the Deposit Insurance Corporation ("LPS").

Bank DBS Indonesia only acts as the party referencing this product where the use of logos and/or other attributes in brochures or marketing documents is only a form of cooperation between Bank DBS Indonesia and Manulife Indonesia so it cannot be interpreted that this product is a product of Bank DBS Indonesia.

PT Bank DBS Indonesia and PT Asuransi Jiwa Manulife Indonesia are licensed and supervised by the Financial Services Authority (OJK).

Contact Us

Contact Us Our Relationship Manager will contact you for more further information.

Visit Us Find the nearest DBS branch in your town.

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