Definition

Cooperation with PT Equity Life Indonesia, Utility Life Protection Debt is a life insurance that gives hope with many benefits and investment options. With compensation for the families left behind and the investment managers success level, Whole Life Investment Protection ensures your family survival.

Benefits

Liability Died

Will be given If LIABILITY Dies in the insurance period:

  • The death Benefits money account as outlined in Policy
  • The Investment benefits amounting to the INVESTMENT VALUE formed at the Death time
  • Next the insurance contract expires

Liability Died by Accident

In any death event due to an insured body injury within a period of 90 (ninety) days after the accident event occurring within the Insurance term and not exceed 70 (seventy) years of age during the last policy anniversary, it shall be granted:

  • The death Benefits money account as outlined in Policy
  • The death Benefits Investments due to accident
  • The Investment benefits amounting to the INVESTMENT VALUE formed at the Death time
  • Next the insurance contract expires.

Liability Diagnosed with Critical Illness

If the Liability is diagnosed for the first time illness one of 50 (fifty) highly suitable diseases period listed in the Critical Illness Special Rules that occurred within the insurance and the Liability age shall not exceed 70 (seventy) years during the last Policy anniversary will be given the Critical Illness Benefit Assured as outlined in the Policy.

Free of Premium Due to The Total Permanent Disability (Dysfunction)

When the Liability for the first time of the Total Permanent Disability guaranteed as specified in the Total Free Permanent Disability Total Free Regulation occurs within the insurance term and the liability age shall not exceed 70 (seventy) years during the last Policy anniversary will be given the Premium Benefit Payment due after the Total Permanent Disability patient and policy continue to run with the premium payment cost borne by the Insurer.

The  Contract End Benefits

If the Liability lives to the age of 100 (Hundred) years to the Insurance end as stated in the Policy,it will be given:

  • End benefit of a contract as much 100% of the face amount; and
  • Benefits Investments are formed at the coverage  ends time.
  • Next Insurance contract over

BenefitCompensation Amount
Died100% Sum Insured + The policy value is formed
Died due to the accidents 200% Money Fellowship + The policy value is formed
Diagnosed diseaseMoney 100% Sum Insured
Total Permanent DisabilityTotal Permanent Disablement
Contract End Benefit100% Sum Insured+ The policy value is formed if 100 years the living age

Excellence

  • You will get the soul protection and equipment benefit at once
  • 50% of premium will be allocated for additional life and the remaining 50% will be allocated for investment fund
  • There is no monthly administration fee
  • With a 10, 15, or 20 years premium payment period, you have been protected for life
  • The premium warranty is fixed for the of fund duration Placement
  • Top Up can be done anytime to maximize yield
  • Fund Withdrawal can be done as needed
  • Policy Loan apply

Terms and Conditions

  • Insured age: 1 - 60 years old
  • How to pay premium: Monthly, quarterly, semester, and yearly
  • Premium Payment Term: 10, 15, and 20 years