At a Glance
Guaranteed Annual Cash Payment
starting 1 year after Premium Payment Period finishes.
Additional Protection for Accidental Death or Total Permanent Disability
Maturity Benefit up to 600% from annualized premium.
Easily apply without any health check.
Product Features
- Insured entry age is from 0 month to 70 years old.
- Coverage is available for 15 years or 20 years.
- Available in IDR and USD currency.
- Affordable premium with Premium Payment Period: Single Premium or Regular Premium (3 years or 5 years).
Product Benefit:
- Guaranteed Annual Cash Payment starting 1 year after Premium Payment Period finishes.
- Death Benefit due to natural death *.
- Additional Protection for Accidental Death Benefit or Total Permanent Disability*.
- Maturity Benefit up to 600% from annualized premium.
Notes:
*The Terms and Conditions that apply to this product can be seen in the Product and Service Information Summary here.
Illustration
Costs
Costs
All fees charged to customers will refer to the provisions of the policy including but not limited to commission fees for the Bank.
Risks
Risks
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.
Foreign Exchange Rate Risk
Insurance policies in foreign currency will be exposed to Exchange Rate Risk if the Policy Holder/Designated decides to convert the insurance benefits into local currency where the value depends on the foreign exchange rate at that time.
IMPORTANT NOTE
MiTreasure Future Smart Assurance is an insurance product issued by Manulife Indonesia (licensed and supervised by OJK). This product is not a deposit product at PT Bank DBS Indonesia (the “Bank”) and therefore does not contain any obligations and is not guaranteed by the Band is not included in the government guarantee program implemented by the Deposit Insurance Corporation (LPS).
The Bank 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 the Bank and Manulife Indonesia so it cannot be interpreted that this product is a product of the Bank.
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