Benefit

1. Accidental Death Benefit
   1. If the Insured dies due to an Accident during the Coverage Period, the Accidental Death Benefit will be paid by Manulife to the Beneficiary in the amount stated in the Policy Summary, after deducting any obligations to the Manulife (if any).
   2. If the Insured dies due to an Accident before reaching the age of 90 (ninety) years old, the basis for calculating the Accidental Death Benefit shall be as follows:
      • For Premium Payment Period 5 (five) years:

        For Premium Payment Period 5 (five) years:	IDR	USD
        1-10	200% Annualized Basic Premium	200% Annualized Basic Premium
        11-15	550% Annualized Basic Premium	550% Annualized Basic Premium

      • For Premium Payment Period 6 (six) years:

        Policy Year the Insured Dies	IDR	USD
        1-12	200% Annualized Basic Premium	200% Annualized Basic Premium
        13-18	660% Annualized Basic Premium	660% Annualized Basic Premium

   3. If the Insured dies due to an Accident at the age of 90 (ninety) years old and above, the Accidental Death Benefit will be Rp5.000.000,00 or USD 500,00
2. Early Maturity Benefit
   1. If the Policy still in force at the end of the Policy Year as stated in the Policy Summary, the Policyholder has an option to apply for the Early Maturity Benefit by submitting the documents required by Manulife. Accordingly, Manulife will pay the Early Maturity Benefit to the Policyholder after deducting any obligations to Manulife (if any).
   2. The calculation of the amount of the Early Maturity Benefit based on the following below:

      Premium Payment Period	IDR	USD
      5 Years	600% Annualized Basic Premium	530% Annualized Basic Premium
      6 Years	760% Annualized Basic Premium	660% Annualized Basic Premium

3. Maturity Benefit
   1. If the Policy remains inforce until the End of the Coverage Period, AJMI will be paid the Maturity Benefit to the Policyholder, after deducting any outstanding obligations to AJMI (if any).
   2. The calculation of the amount of the Maturity Benefit based on the following below:

      Premium Payment Period	IDR	USD
      5 Years	750% Annualized Basic Premium	590% Annualized Basic Premium
      6 Years	1025% Annualized Basic Premium	800% Annualized Basic Premium