MiTreasure Future Smart Assurance

At a Glance

Affordable premium starting at USD 2,000 yearly.


Annual Guarantee Payment starting at Policy Year 6 onwards.


Maturity Benefit.


Features & Benefits

  • Affordable premium starting at USD2,000 yearly with 2 premium payment choices: 3 years or 5 years.

  • Annual Guarantee Payment starting at Policy Year 6 until Policy Year 20, which is 5% of Annual Premium (3 years premium payment) or 10% of Annual Premium (5 years premium payment).

  • Maturity Benefit will be paid at Policy Year 20 if Policy is still active and the Insured is alive: 375% of Annual Premium (3 years premium payment) or 605% of Annual Premium (5 years premium payment).

  • Death Benefit: 110% of total paid premium.


* If the Death Benefit is paid, the coverage ends. There is no annual Cash Payment Benefit and/or End of Coverage Benefit paid after the Death Benefit is paid.




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.

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.


MiTreasure Future Smart Assurance 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 serta PT Asuransi Jiwa Manulife Indonesia berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK).


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