MyProtection Investa II
MyProtection Investa II is a life insurance product with a single premium payment that provides Death Benefit, Accidental Death Benefit, as well as Investment Benefit with a choice of sub-funds according to your needs.
Adventages of MyProtection Investa II
(2) Comply with the applicable product terms and conditions.
Benefit of MyProtection Investa II
- Death Benefit
- If the Insured dies (due to Accident or not) before the End of the Coverage Date that stated in the Policy Data, PT Asuransi Allianz Life Indonesia will pay the Sum Assured to the Beneficiary plus investment benefits in the form of a balance of Investment Value (if any) in the Policy until the date of the Benefit claim is approved and the Policy ended.
- The Death Benefit ends according to the end of the Coverage Date as stated in the Policy Data.
- Accidental Death Benefit
- If the Insured dies due to an Accident, then PT Asuransi Allianz Life Indonesia will pay an additional of the Sum Assured to the Beneficiary, plus the investment benefit in the form of the balance of the Investment Value (if any) in the Policy until the date the Accident Death Benefit claim is approved and the Policy ends.
- The Accidental Death Benefit will only be paid if the Insured dies within 90 (ninety) days from the date of the Accident.
- The Accidental Death Benefit ends when the Insured reaches the age of 65 (sixty five) years.
- Investment Benefit
PT Asuransi Allianz Life Indonesia will pay the benefit in the amount of the Investment Value balance contained in this Policy in the event that:- The Insured dies during the Insurance Period (to the Beneficiary); or
- The Insured lives until the end of the Insurance Period, (to the Policy Holder); or
- Your Policy is cancelled, but there is still Investment Value left after deducting the Policy Redemption Fee (if applicable) and other obligations (if any) (to the Policy Holder).
- End of Contract Benefit
If the Insured is still alive until the End of Coverage Date, PT Asuransi Allianz Life Indonesia will pay the investment benefit in the form of the entire balance of the Investment Value (if any) to the Policy Holder - Premium AllocationAlokasi Premi
- Allocation of Single Basic Premium to be invested:
Single Basic Premium for the currency Rupiah and US Dollar will be 100% allocated as an Investment Fund for the establishment of Investment Value. - Alokasi Premi Top Up Tunggal:
Single Top Up Premium for the currency Rupiah and US Dollar will be 100% allocated as an Investment Fund for the formation of establishment Value.
- Allocation of Single Basic Premium to be invested:
Sub Funs Options
| Strategi Investasi | |||||||
| Risk Level | Sub Fund Opitons | Financial Markets Instrument | Fixed Income Instrument | Stock Instrument | Instrumnent allocation | ||
| In Indonesia | Offshore | Cost (1) | |||||
|
Smartlink Rupiah Money Market Class B Fund | 100% | 0% | 0% | 100% | - | 1,5% |
|
Smartlink Rupiah Fixed Income Class B Fund | 0-20% | 80-100% | 0% | 100% | - | 2% |
| Smartlink Dollar Managed Class B Fund | 0-20% | 80-100% | 0% | 100% | - | 1,5% | |
| Smartlink Rupiah Balanced Class B Fund | 25-50% | 50-75% | 100% | - | 2% | ||
| Smartwealth Dollar Multi Asset Class B Fund | 0-20% | 0-79% | 0-79% | - | 100% (2) | 1,75% | |
 |
Smartlink Rupiah Balanced Plus Class B Fund | 25-50% | 50-75% | 100% | - | 2% | |
| Smartwealth Liquiflex LQ45 Class B Fund | 0-79% | 0% | 0-79% | 100% | - | 2% | |
|
SmartlinkRupiah Equity Class B Fund | 0-20% | 0% | 80-100% | 100% | - | 2% |
| Smartwealth Equity Small Medium Capital Class B Fund | 0-20% | 0% | 80-100% | 100% | - | 2% | |
| Smartwealth Equity Indoconsumer Class B Fund | 0-20% | 0% | 80-100% | 100% | - | 2% | |
| Smartwealth Equity Infrastructure Class B Fund | 0-20% | 0% | 80-100% | 100% | - | 2% | |
| Smartwealth Dollar Asia Pacific Class B Fund | 0-20% | 0% | 80-100% | - | 100% (3) | 2% | |
| Smartwealth Rupiah Equity Rotation Class B Fund | 0-20% | 0% | 80-100% | 100% | - | 2% | |
| Smartwealth Dollar Equity All China Class B Fund | 0-20% | 0% | 80-100% | - | 100% (4) | 2% | |
| Smartwealth Rupiah Equity Sustainable Indonesia Fund | 0-20% | 0% | 80-100% | 100% | - | 2% | |
| Smartwealth Dollar Equity Global Artificial Intelligence Fund | 0-20% | 0% | 80-100% | - | 100% (2) | 2% | |
 Konservatif
|
 Moderat |
 Moderat-Agresif |
Agresif |
Notes :
(1) Investment Management Fee on the Investment Fund per annum based on the Sub-fund's choice
(2) In global markets
(3) In Asia Pacific
(4) Invest in Chinese issuers
- Money Market Instruments: Time deposits, SBI. SPN, and/or bonds under 1 year.
- Fixed Income Instruments: Government bonds, corporate bonds.
- Equity Instruments: Directly through shares.
Terms and Condition of MyProtection Investa II
| Insured Entry Age |
|
||||||||
| Policy Holder Entry Age | 18 years old (nearest birthday). | ||||||||
| Mata Uang | Rupiah and US Dollar. | ||||||||
| Masa Asuransi |
|
||||||||
| Premium Payment Period | Premium is paid all at once | ||||||||
| Premium Payment Method |
The premium payment scheme is single payment or paid all at once |
||||||||
| Premium(2) |
Premium consists of Single Basic Premium and Single Top Up Premium Single. Single Basic Premium
Single Top Up Premium
(1) If the Single Basic Premium reaches a minimum of IDR 50,000,000/USD18,000, the first Policy submittal can be made without paying a Single Top Up Premium. (2) Financial underwriting will apply to premium amounts totaling more above USD200,000/ IDR2,000,000,000. |
||||||||
| Sum Insured |
|
Product Illustration of MyProtection Investa II
| Product Illustration of MyProtection Investa II | |
|
Insured Name : Indra Age: 35 Years Old Gender : Man Job Class : 1 Selected Sub-Fund : Smartlink Rupiah Equity Class B Fund PREMIUM DETAIL Single Basic Premium : IDR50,000,000 Single Top Up Premium : IDR50,000,000 Stamp Duty : IDR20,000 Total Premium : IDR100,020,000 Death Benefit : IDR100,000,000 Accidental Death Benefit : IDR100,000,000 |
For Financial Plan |
Investment Level Assumptions per Year: -1%, 0%, 5%, and 10%
- If the ***** mark appears in the "Investment Value Projection Table", this indicates that, based on the assumption of the investment level that We set, Your Investment Value is insufficient to pay the costs specified in the Policy and the Policy will expire. You are advised to always make premium payments until the insured is 99 years old so that your investment value is maintained and sufficient to pay the costs specified in the policy
- The above illustration of the benefits is based on the assumed level of investment per year from the sub-fund allocation you have chosen above.
- The illustration or projection of the Investment Value above is not binding and is not an insurance agreement and is not part of the Policy.
- The illustration or projection of Investment Value above is not guaranteed and may change from time to time, depending on the performance of the Sub Fund selected by you and/or the potential for deterioration in investment returns.
- The Investment Value is the sum of the Single Basic Premium Unit and Single Top Up Premium Unit formed under the Policy based on the Unit Price at a certain point in time.
- The value of the investment can be less than the amount of the premium paid or the part of the premium invested
- Investment value is not guaranteed, it can increase or decrease depending on the performance of the sub-fund chosen by you and cannot be separated from investment risk. Past performance of a Sub-fund does not reflect future performance of that Sub-fund.
- The illustration above includes Acquisition and Maintenance Fees, Insurance Fees, Investment Fund Management Fees, and Fund Withdrawal Fees/Policy Redemption Fees (if applicable), whose frequency and imposition are as specified in "Expenses related to your Policy."
- The Investment Value Projection above is only an illustration and does not describe the actual investment performance.
- Death Benefit consists of the Sum Assured plus any investment benefits accrued up to the day the Death Benefit claim was approved, expressed as a balance in the Investment Amount.
- The sum of the investment value's partial withdrawal has been factored into the table's "Assumed Investment Value after Partial Withdrawal" section. If there is no partial withdrawal of Investment Value, the amount of "Assumed Investment Value after Partial Withdrawal" remains the same as the investment value assumption made.
| Ilustrasi Manfaat MyProtection Investa II | ||
|
Assuming investment rate per year 5% with 100% placement in Smartlink Rupiah Equity Class B Fund |
Indra 35 Years Old, Not a smoker Manager of a company |
Financial Plan: |
- Accidental Death Benefit will only be paid if the Insured dies due to an Accident within 90 days from the date of the Accident. Accidental Death Benefit ends when the Insured has reached the age of 65 years.
- Additional 1 time of the Sum Assured, and the Policy ends.
- Potential Investment Value is not guaranteed and may change from time to time, depending on the performance of Sub-fund options.
About Allianz
About Allianz Group
Allianz is one of the world's largest insurance and asset management providers. Together with customers and sales partners, Allianz is one of the strongest financial communities in the world with operations in 70 countries and supported by 150,000 employees serving more than 100 million individual and corporate customers.
About Allianz in Asia
Allianz has been present in Asia Pacific since 1910 on the coast of China by providing fire and freight insurance. Currently, Allianz operates in 16 countries in Asia Pacific to provide general insurance, life, health and asset management. With more than 36,000 staff, Allianz serves the needs of more than 21 million customers in the region through several distribution channels.
About Allianz in Indonesia
Allianz started its operations in Indonesia with a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Furthermore, Allianz entered the Indonesian life and health insurance market, as well as pension fund by opening PT Asuransi Allianz Life Indonesia in 1996.
In 2006, Allianz Utama and Allianz Life started sharia insurance business. Allianz Health & Corporate Solutions was formed in 2014 to serve the needs of individual and group health insurance. Supported by more than 1,300 employees and a network of more than 34,000 sales professionals as well as bank partners and other distribution channels. Today, Allianz in Indonesia is one of the leading insurance groups in the market trusted to protect more than 8,3 million insured.
PT Asuransi Allianz Life Indonesia is licensed and supervised by Otoritas Jasa Keuangan, and its Marketers hold a license from the Indonesian Life Insurance Association
Important Notes:
- MyProtection Investa II is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as a referrer for MyProtection Investa II.
- MyProtection Investa II is not a Bank product, so the Bank is not responsible for any and all claims and risks arising from managing this product portfolio. MyProtection Investa II is not guaranteed by the Bank and its affiliates and is not included in the scope of the guarantee program objects of the Government of the Republic of Indonesia or Lembaga Penjamin Simpanan (“LPS”). The bank is not responsible for policies issued by PT Asuransi Allianz Life Indonesia. Investment fund management based on the choice of the MyProtection Investa II sub-fund is carried out by PT Asuransi Allianz Life Indonesia and/or the Investment Manager appointed by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia. The performance of the choice of sub-funds from PT Asuransi Allianz Life Indonesia can be seen in the monthly Fund Fact Sheet report.
- PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.
- Investments in capital market instruments contain market risk. The performance of the Sub Fund is not guaranteed, unit prices and income from the Sub Fund may increase or decrease. The past performance of Sub Fund options is not an indication of future performance. Full details are in the Fund Fact Sheet.
- You can learn more about the terms and conditions, including detailed fees and exclusions, in the General Product and Service Information Summary (RIPLAY) and Personal Product and Service Information Summary (RIPLAY) and Policy.
PAYDI
Produk Asuransi Yang Dikaitkan Dengan Investasi (PAYDI) MyProtection Investa II is an insurance product. The investment component in PAYDI contains risks. Prospective Policyholders must read and understand the General and RIPLAY Personal Product and Service Information.
Product Summary Information
SEE MORE
Select Country
Corporate Online Services
