Proteksi Prima Emas Plus (PPEP) is a financial planning program that features financial protection to equip you in facing various challenges at every stage of life which enables you to prepare inheritance for your loved ones.
Each person’s dreams for their future is unique. However, all of us aspires to have a peace of mind. To reach it, proper planning is needed.
Proteksi Prima Emas Plus
Solution to your needs
- Providing you with future earnings
- Granting you a peace of mind and comfort in life, helps you to achieve your dreams and prepares you for your golden days
- Ensuring the welfare of your families and later generations
- Preparing the future for the next generation
Product Benefits
- Target Age Cash Payment Benefit:
100% lump sum of Target Fund will be given to the insured when they reach the Target Age*.
- Annual Cash Payment Benefit:
Target Fund will be given every year after the insured reaches Target Age for 20 years (400% in total)*.
- Maturity Cash Payment Benefit:
200% lump sum of Target Fund will be given at the end of the coverage period *.
- Accidental Death Benefit:
100% lump sum of Target Fund will be given in the case of accidental death.
- Return of Premium Benefit:
If the insured dies in the first 2 years of the premium payment period, basic premium paid will be returned (only for regular premium payments).
- Waiver of Premium Benefit:
If the insured dies during the premium payment period and has passed 2 years after policy issuance date, the obligations of the Policyholder for premium will be relieved (only valid for regular premium payments).
- Currency Options:
IDR or USD
- Simple Underwriting Process
Provide convenient underwriting process for customers.
*If the insured survives for at least 2 (two) years since Policy Issuance Date or Policy Reinstatement Date, whichever is later
ENTRY AGE TERMS & CONDITION
Single Premium
|
Target Age
|
Min. Entry Age
|
Max. Entry Age
|
|
25 years old
|
1 month old
|
24 years old
|
|
35 years old
|
1 month old
|
34 years old
|
|
45 years old
|
18 years old
|
44 years old
|
|
55 years old
|
18 years old
|
54 years old
|
|
60 years old
|
18 years old
|
59 years old
|
Regular Premium
|
Target Age
|
Min. Entry Age
|
Max. Entry Age
|
|
25 years old
|
1 month old
|
20 years old
|
|
35 years old
|
1 month old
|
30 years old
|
|
45 years old
|
18 years old
|
40 years old
|
|
55 years old
|
18 years old
|
50 years old
|
|
60 years old
|
18 years old
|
55 years old
|
Minimum age of policy holder is 18 years old
PREMIUM
- Currency
- Rupiah
- US Dollar
- Target Fund
Minimum : Rp50.000.000/USD 5,000
Note: Premium depends on age, gender, target age and target fund.
- Premium Payment Mode
Monthly / Quarterly / Semi-Annually / Annually
- Underwriting Process
Guaranteed Issuance Offer (GIO). If the customer attaches rider Advanced Life Protector Flex (ALP Flex), then the underwriting process will be Full Underwriting
PREMIUM PAYMENT & PRODUCT BENEFIT ILLUSTRATION
