At a Glance

Guaranteed premium return at the end of contract period

100% premium return

No Cost of Insurance

No insurance fee

Loyalty bonus every 5 years up to 160% of the annual premium rate

Terms and condition apply

Let’s join now!

Features & Benefits


  • The insured's entry age is from 6 months - 50 years

  • In Rupiah currency

  • Premium payment period 5/10/20 years

  • Investment allocation from the first year

  • Guaranteed Issued with a health statement*

Main Benefits:

  • Guaranteed premium return at the end of the contract period.

  • Loyalty bonus every 5 years up to 160% of the annual premium paid*.

  • Protection against the risk of death up to 70 years of age.

  • Protection against the risk of total permanent disability up to 65 years of age.

  • The premium payment period varies from 5, 10, 20 years.

Additional Benefits:

  • Health Safe (HS) - Provides reimbursement benefits for hospital care costs caused by illness or accidents.

  • Manulife Crisis Cover (MCC) - Provides benefits in the form of compensation if the Insured is diagnosed with one of 56 critical illnesses.

  • Payor Benefit (PB) - Provides premium exemption benefits for Premium Payers (Payor) if the Premium Payer (Payor) experiences a Permanent Total Disability / Death.

  • Accidental Death and Disability Benefit (ADDB) - Get compensation for death or total permanent disability due to an accident

  • Advanced Life Protector (ALP) - Get compensation for death with a choice of premium payment terms

*terms & conditions apply



At 25 years old, Arista agrees to join the Manulife Lifestyle Protector with a 5-year premium payment term, and coverage of IDR125,000,000. The chart below illustrates the benefits that she can enjoy.


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