Manulife Protection Optimum Elite (Manulife Prime)

At a Glance

Guaranteed Protection

Maximize your legacy planning with guaranteed increase up to 2x initial Sum Insured

Ultimate Flexibility

Flexible protection options up to age 75 or for a lifetime

Simple Underwriting

Without medical examination for total risk up to IDR 5 billion*.

Currency Options

Available in IDR and USD

Product Feature

Coverage period options:

Plan A: Until the Insured is 75 years old.
Plan B: Until the Insured is 100 years old.

Insured entry age:

Plan A: 30 days - 55 years old.
Plan B: 30 days – 70 years old.

Available in IDR and USD.

Premium Payment Period: Single Premium or Regular Premium (3 years or 5 years)

Complete your protection with MiPayor Benefit Plus to ensure protection continues when Premium Payor Passes Away or suffers from Total Permanent Disability during premium payment period

Product Benefit

Death Benefit
The beneficiary will receive:

Plan A
Death Benefit	Maturity Benefit
If the Insured dies before the 10^th Policy Anniversary	100% of the Sum Insured
If the Insured dies on or after the 10^th Policy Anniversary but before the End of the Coverage Period	150% of the Sum Insured

Plan B
Death Benefit	Maturity Benefit
If the Insured dies before the 10^th Policy Anniversary	100% of the Sum Insured
If the Insured dies on or after the 10^th Policy Anniversary but before the 25^th Policy Anniversary	150% of the Sum Insured
If the Insured dies on or after the 25^th Policy Anniversary but before the End of the Coverage Period	200% of the Sum Insured

Maturity Benefit
If the Insured lives until the end of coverage period and the policy is still active:

Plan	Coverage Term	Maturity Benefit
Plan A	Until the Insured reaches the age of 75 years	150% of Sum Insured
Plan B	Until the Insured reaches the age of 100 years	200% of Sum Insured

Notes:* Terms and conditions for this product are available in the Product and Service Information Summary here.

CostsAll fees will be charged to customers will refer to the provisions of the Policy including but not limited to commission for the Bank.

RisksCredit and Liquidity RiskPolicyholders 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 Manulife Indonesia to pay their obligations to their customers.Risk of Early Termination of PolicyEarly termination of the Policy may result the Cash Value being less than the Coverage Benefits that will be paid (if any) or the premiums that has been paid and the coverage will end. Operational RiskA risk caused by the failure of internal processes, people and systems, as well as by external events Foreign Exchange Rate RiskInsurance Policies in foreign currency will be exposed to Exchange Rate Risk if the Policyholder/Designated decides to convert the insurance benefits into local currency where the value depends on the foreign exchange rate at that time.Changes in Economic and Political Conditions riskRisks related to changes in economic conditions, political policies, legal policies, and government regulations for the world of investment and business conducted domestically and abroad.Exclusion RiskRisks related to exclusion stated in the Policy Provisions due to the Insurer cannot pay the Insurance Benefits IMPORTANT NOTE Manulife Protection Optimum Elite (Manulife Prime) 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 Bank and 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.PT Bank DBS Indonesia and PT Asuransi Jiwa Manulife Indonesia are licensed and supervised by the Financial Services Authority (OJK).