Bancassurance

First InvestShield

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.

Basic Benefits

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*) 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

  • 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  • Potential Investment Value** can be withdrawn as needed.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.

Investment Fund Options

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First LifeShield

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

  • 100% basic life Sum Assured.
  • Medical Assistance.

2. 12 additional benefit options (riders) according to protection needs:

  • Sum Assured for 49 critical illness types, with the following options:
    • Critical Illness Plus / CI Plus : It is not reduce Basic Life Sum Assured value.
    • Critical Illness Accelerated / CI Accelerated : Reduce Basic Life Sum Assured value.
    • Critical Illness 100 : Sum Assured for 100 critical illness conditions.
    • Accidental Death & Disablement Benefit / ADDB : Sum Assured for death & permanent disability due to accident.
  • Sum Assured for total permanent disability due to illness / accident, with the following options:
    • Total Permanent Disability : It is not reduce Basic Life Sum Assured value.
    • Total Permanent Disability Accelerated : It is reduce Basic Life Sum Assured value.
  • Flexicare Family : Inpatient and surgical in hospital daily cash plan for Insured including his/her family members.
    • Hospital & Surgical Care+ : Reimbursement for inpatient and surgical in hospital.
  • Premium payment by Allianz if:
    • Payor Protection : Premium Payer dies.
    • Spouse Payor Protection : Premium Payer spouse dies.
    • Payor Benefit : Premium Payer diagnosed with 49 critical illness types / suffering from total permanent disability.
    • Spouse Payor Benefit : Premium Payer spouse diagnosed with 49 critical illness types / suffering from total permanent disability.

Investment Benefits

  • Premium allocation for long term potential investment value**.
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  • Maturity benefit: Potential Investment Value.
  • Potential Investment Value can be withdrawn as needed.
  • 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.

Investment Fund Options

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Allianz Wealthlink Prestige Life

Allianz Wealthlink Prestige Life is a unit link life insurance product with regular premium payments that provide protection up to 100 years as well as of investment benefit with Investment Fund selections that suits your needs.

Product Excellence

  • Maximum Sum Assured for a certain entry age without medical requirements(1)
  • Potential decreased Cost of Insurance(2) for optimal Investment Value growth
  • 3 main types of critical illness benefit (cancer, heart attack, stroke)
  • Sum Assured value renewal after 3 years since being diagnosed with critical illness
  • Additional 10% investment allocation since the 6th Policy year onwards(3)
  • 70% Persistency Bonus from Basic Regular Premium at the end of 5th Policy year(4)
  • Medical assistance and evacuation services are available.
Notes: 
(1) Depends on Insured entry age (based on underwriting terms & conditions applied).
(2) Cost of Insurance adjusted based on Net Amount at Life Risk when Investment Value closer or reach Sum Assured.
(3) There is a difference between unit bid price and unit offer price of 5%.
(4) Based on Policy terms & conditions applied.
 
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