Allianz Assetlink Optima

• Attractive investment medium with choices of attractive investment funds
• Fund Value can be withdrawn at anytime to meet various needs
• Single Premium Unit Link with life Insurance benefit (Death Benefit and/or Accidental Death Benefit)

1. Insurance Benefits

A. Death Benefit (DB)

• Insurance Period up to the Age of the Insured 100 years
• 200% Single Basic Premium + Investment Value(1)

B. Accidental Death Benefit(2)

• The Insurance period ends when the Insured has reached the age of 65 years
• Sum Insured Amount of 200% Single Basic Premium(3) + 200% Single Basic Premium(2) + Potential investment value(1)                          

(1)The potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the Subfund's selection.

(2)Death Benefit Due to Accident will only be paid if the Insured dies due to an Accident within 90 days from the date of the Accident. Death Benefit Due to Accident ends when the Insured has reached the Age of 65 years.

(3)Additional 1 time of the Sum Insured, and the Policy ends.

2. Investment Benefits

• Premium Allocation 100%(1) as Fund Investment(2)
• Potential Investment Value(3 )can be withdrawn as needed 

(1)The allocation of the 100% Single Basic Premium and the allocation of 100% Single Top Up Premium as Investment Funds.

(2)Investment Fund to purchase Units according to the percentage of Premium allocation on investments based on the Policy and according to the choice of Subfunds.

(3)The potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the Subfund's choice.

• Final Benefit of Contract

If the Insured is still alive until the End of Coverage Date, Allianz will pay the investment benefit in the form of the entire balance of Investment Value(1) (if any) to the Policyholder.

(1)The potential Investment Value is not guaranteed and may change from time to time depending on the performance of the Subfund's selection.

• Allianz Assetlink Optima is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank QNB Indonesia Tbk (“Bank”) only acts as a referrer for Allianz Assetlink Optima.
• Allianz Assetlink Optima is not a Bank product so the Bank is not responsible for any and all claims and risks arising from managing this product portfolio. Allianz Assetlink Optima 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 the Deposit Insurance Corporation (“LPS”). The bank is not responsible for policies issued by PT Asuransi Allianz Life Indonesia. Investment fund management based on the choice of Sub Fund Allianz Assetlink Optima 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 subfunds from PT Asuransi Allianz Life Indonesia can be seen in the monthly Fund Fact Sheet report.
• PT Bank QNB Indonesia Tbk is a bank licensed and supervised by the Financial Services Authority (OJK).
• Investments in capital market instruments contain market risk. The performance of the Subfund is not guaranteed, unit prices and income from the Subfund may increase or decrease. The past performance of Subfund options is not an indication of future performance. Full details are in the Fund Fact Sheet.
• Premiums paid include commissions for the Bank.
• This brochure is not part of the insurance agreement form policy between PT Asuransi Allianz Life Indonesia and the customer. The Customer is fully bound by every provision contained in the Policy.