Insurance Guarantee:

1. Cash Payment Benefit

   This will be paid to the Policyholder starting from the 6th policy year until the end of the Coverage Period, which is the end of the 20th policy year, as long as the Insured is still alive and the policy remains active.

   Below are the amounts of the Annual Cash Payment Benefits:

   Premium Payment Period	Annual Cash payment Benefit
   	IDR	USD
   Lumpsum Premium	2% of Lumpsum Premium	1% of Lumpsum Premium
   5 Years	10% of Annual Premium	2,5% of Annual Premium

2. End of Coverage Period Benefit

   This will be paid to the Policyholder at the end of the Coverage Period, which is the end of the 20th policy year, as long as the Insured is still alive and the policy remains active.

   Premium Payment Period	Coverage Period	Benefit Amount
   		IDR	USD
   Lumpsum Premium	15 years	135% of Lumpsum Premium	110% of Lumpsum Premium
   Lumpsum Premium	20 years	175% of Lumpsum Premium	135% of Lumpsum Premium
   5 years	15 years	625% of Annual Premium	550% of Annual Premium
   5 years	20 years	775% of Annual Premium	670% of Annual Premium

3. Death Benefit

   Death Benefit	Coverage
   Death Caused by Natural Death	Banefit amount: Annual Cash Benefit*; End of Coverage Benefit* will be paid at the end of Covarage
   Death Caused by Accident	Banefit amount: Annual Cash Benefit*; End of Coverage Benefit* will be paid at the end of Covarage 110% x Premium Payment Period x Annual Premium will be paid when the Insured dies.