Bancassurance

First InvestShield

Product Brief

First InvestShield is a unit link life insurance program with a Single Premium from Allianz for protection solutions along with potential maximum long-term Investment Value.

Product advantages

  • 105.26%* Premium allocation for potential optimal Investment Value.
  • No administration & top up fee.
  • Policy guaranteed acceptance up to Sum Assured of IDR 300,000,000 / USD 25,000**.
  • Optimal investment opportunities in Indonesia, Asia Pacific & global markets.

        *) Bid offer spread 5%.   

       **) Based on effective Policy terms & conditions.

Protection benefits provided are as follows:

Basic Benefits

Risk

Benefit

Period of Protection

Death caused not by accident

Life Sum Assured of 150% Single Basic Premium + potential Investment Value*

Up to 75 years old

Death caused by accident

Life Sum Assured with maximum value of 300% ** Single Basic Premium + potential Investment Value*

Up to 65 years old

Partial / total permanent disability due to accident

Permanent disability Sum Assured with percentage of Single Basic Premium***

Up to 65 years old

*) Potential Investment Value are not guarantee and may change from time to time depending on the investment fund performance.

**)  With condition that there are no claim paid on permanent disability Sum Assured before.

***) Reduce death benefits if dies due to accident occurs later.

Investment benefits provided are as follows

  • 105.26%* Premium allocation for potential Investment Value**.
  • Maturity benefit: Potential Investment Value **.
  • Potential Investment Value** can be withdrawn as needed.

*) Bid offer spread 5%.

**) Potential Investment Value is not guaranteed and may change from time to time, depending on the selected investment fund performance.

15 Investment Fund options available:

Risk Level

Investment Fund Options

Cost

Conservative

Smartlink Rupiah Money Market Fund

1%

 

Moderate

Smartlink Rupiah Fixed Income Fund

2%

Smartlink Rupiah Balanced Fund

2%

Smartlink Dollar Managed Fund

1%

Smartwealth Dollar Multi Asset Fund

1.75%

Moderate - Aggressive

Smartlink Rupiah Balanced Plus Fund

2%

Smartwealth Dollar Asia Pacific Fund

2%

 

 

 

 

Aggressive

Smartlink Rupiah Equity Fund

2%

Smartwealth Rupiah Equity IndoAsia Fund

2%

Smartwealth Equity Small Medium Capital Fund

2%

Smartwealth Equity Indoconsumer Fund

2%

Smartwealth Equity Infrastructure Fund

2%

Smartwealth Liquiflex LQ 45 Fund

2%

Smartwealth Equity Indoglobal Fund

2%

SmartwealthUS Dollar Equity IndoAsiaFund

2%

 

First LifeShield

Product Brief

First LifeShield is a unit link life insurance program with Regular Premium from Allianz for maximum protection solution along with long term potential Investment Value.

Product advantages

  • A complete selection of 12 additional protection benefits according to customer needs.
  • 110% Premium allocation* since 3rd Policy year onwards for potential Investment Value.
  • Flexible in choosing Total Regular Premium amount and frequency based on customer's financial plan.
  • Provide emergency medical assistance services throughout the world.
  • Maximum life protection coverage up to 100 years old.

*) Bid/offer spread 5%.

Protection benefits

  1. Basic benefits
    1. 100% basic life Sum Assured.
    2. Medical Assistance.
  2. 12 additional benefit options (riders) according to protection needs:
    1. Sum Assured for 49 critical illness types, with the following options:
      1. Critical Illness Plus / CI Plus ► It is not reduce Basic Life Sum Assured value.
      2. Critical Illness Accelerated / CI Accelerated ► Reduce Basic Life Sum Assured value.
      3. Critical Illness 100 ► Sum Assured for 100 critical illness conditions.
      4. Accidental Death & Disablement Benefit / ADDB ► Sum Assured for death & permanent disability due to accident.
    2. Sum Assured for total permanent disability due to illness / accident, with the following options:
      1. Total Permanent Disability It is not reduce Basic Life Sum Assured value.
      2. Total Permanent Disability Accelerated It is reduce Basic Life Sum Assured value.
    3. Flexicare Family  Inpatient and surgical in hospital daily cash plan for Insured including his/her family members.
      1. Hospital & Surgical Care+ Reimbursement for inpatient and surgical in hospital.
    4. Premium payment by Allianz if:
      1. Payor Protection ► Premium Payer dies.
      2. Spouse Payor Protection ► Premium Payer spouse dies.
      3. Payor Benefit ► Premium Payer diagnosed with 49 critical illness types / suffering from total permanent disability.
      4. Spouse Payor Benefit ► Premium Payer spouse diagnosed with 49 critical illness types / suffering from total permanent disability.

Investment benefits are:

  1. Premium allocation for long term potential investment value**.

    Premium Allocation*

    IDR

    USD

    1st  year

    50%

    40%

    2nd  year

    80%

    80%

    3rd year onwards

    110%

    110%

  2. Maturity benefit: Potential Investment Value.
  3. Potential Investment Value can be withdrawn as needed.
  4. Investment fund options available according to the customer's risk profile.

*) Bid offer spread 5%.

**) Potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the selected investment fund.

15 Investment Fund options available:

Risk Level

Investment Fund Options

Cost

Conservative

Smartlink Rupiah Money Market Fund

1%

 

Moderate

Smartlink Rupiah Fixed Income Fund

2%

Smartlink Rupiah Balanced Fund

2%

Smartlink Dollar Managed Fund

1%

Smartwealth Dollar Multi Asset Fund

1.75%

Moderate - Aggressive

Smartlink Rupiah Balanced Plus Fund

2%

Smartwealth Dollar Asia Pacific Fund

2%

 

 

 

 

Aggressive

Smartlink Rupiah Equity Fund

2%

Smartwealth Rupiah Equity IndoAsia Fund

2%

Smartwealth Equity Small Medium Capital Fund

2%

Smartwealth Equity Indoconsumer Fund

2%

Smartwealth Equity Infrastructure Fund

2%

Smartwealth Liquiflex LQ 45 Fund

2%

Smartwealth Equity Indoglobal Fund

2%

Smartwealth US Dollar Equity IndoAsiaFund

2%