Proteksi Prima Berkah

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Product Information

Product Advantages

Illustration

Product Information

Proteksi Prima Berkah is a Sharia-based dual-purpose life insurance product (endowment) which is the result of a collaboration between PT Bank Danamon Indonesia Tbk and PT Asuransi Jiwa Manulife Indonesia Syariah which provides Cash Payment Benefits and Life Protection at the same time.

Product Advantages

Comprehensive Benefits

Helping to meet future living needs with cash benefits of 138% of total contribution with protection for up to 25 years
Helps provide financial security with death benefits due to any cause or accident.

Easy and Affordable

Providing convenience because the process is easy by simply answering Health questions (does not require a medical check-up)
Affordable monthly contributions that can be adjusted to the financial capabilities of each customer

Insurance Benefit

Cash Payment Benefit If the Participant is still alive and the Policy is active until:
1. At the end of the 8th policy year, the Operator will pay Cash Payment Benefits to the Policy Holder in the amount of 12 times the monthly contribution; and
2. At the end of the 18th policy year, the Operator will pay Cash Payment Benefits to the Policy Holder in the amount of 120 times the monthly contribution.
Death Benefit The Operator will pay 132 times the monthly Contribution if the Participant dies:
1. Due to an Accident within 1 year from the Effective Date of the Policy; or
2. Due to any cause* within the period of the 2nd Policy year to the end of the 18th Policy year.
*The provisions for Death due to any cause still refer to the Proteksi Prima Berkah Policy Provisions
Additional Death Benefit The Operator will pay 36 times the monthly Contribution if the Participant dies due to any cause* during the 19th Policy year until the End of the Insurance Period.
*The provisions for Death due to any cause still refer to the Proteksi Prima Berkah Policy Provisions

Product Specifications

Insured Entry Age	18 – 60 years old
Underwriting	Health statement in form (no medical check-up)
Protection Period	25 years
Contribution Payment Period	8 years
Payment Methods	Monthly
Freeloook	The policy study period is 14 calendar days
Minimum Contribution	Rp300.000 (per month)
Grace Period	Protection will end if the Policyholder does not pay the contribution up to 3 months after the contribution due date (3 month billing cycle)
Waiting Period	There is no waiting period for claims for death due to an accident, but there is a waiting period of 1 year for claims due to death due to any cause* *The provisions for death due to any cause still refer to the provisions of the Prima Berkah Protection Policy
Akad	Akad Tabarru’, Akad Tijarah, Akad Wakalah Bil Ujrah, Akad Hibah Tanahud

Death Benefit

Death Benefit	Year 1	Year 2	Year 3 and so on
Accident	✓	✓	✓
Any cause (except accident)	☓	✓	✓
Pre-existing Condition	☓	☓	✓

Note: The waiting period for Pre-existing Condition refers to the date of the death of the Participant. For example, if there is a claim in the 3rd (third) year but the death occurred in the 2nd (second) year which is known to be due to a Pre-existing Condition, an investigation will still be required.