Allianz

Allianz Wealthlink Protection Life

Allianz Wealthlink Protection Life is a unit link life insurance product that gives insurance protection solution and long-term investment accumulation so your future financial plan can be protected against any life risks.

Product key selling

• EASY to determine the choice of protection benefits as needed.

• 105% Regular Basic Premium allocation as Investment Fund since 6th Policy Year onwards for potential Investment Value.

• FLEXIBLE in Total Regular Premium method and amount based on financial plan.

• USING one bid and offer Unit price.

• INVESTMENT OPPORTUNITY Indonesia, Asia Pacific and global market.

Product Details

Benefit Illustration Example

Investment Value assumption in above benefit illustration is not guaranteed and may change at any time according to investment performance based on investment allocation in Smartlink Rupiah Equity Class B Fund.

Disclaimer

Allianz Wealthlink Protection Life (“Insurance Product”) is an Insurance Product by PT Asuransi Allianz Life Indonesia (“Allianz”). PT Bank CTBC Indonesia (CTBC Bank) only acts as a party that refers Allianz Wealthlink Protection Life products. The use of the CTBC Bank logo only indicates that CTBC Bank is working with Allianz in marketing of Allianz Wealthlink Protection Life Product and does not mean that this insurance product is a CTBC Bank product. Allianz Wealthlink Protection Life is not a CTBC Bank product so CTBC Bank is not responsible for any and all claims arising from the management of this product portfolio. Allianz Wealthlink Protection Life is not guaranteed by CTBC Bank and its affiliates and is not included in the scope of the deposit guarantee program by LPS as referred to and regulated in Law no. 24/2004 regarding Deposit Insurance Corporation. CTBC Bank is not responsible for the insurance policies issued by Allianz. The performance of the investment component of this product is inseparable from investment risk.

CTBC Bank is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and is a member of the Lembaga Penjamin Simpanan (LPS). Investment Linked Insurance Product (Produk Asuransi Yang Dikaitkan dengan Investasi (PAYDI)) Allianz Wealthlink Protection Life is an insurance product. The investment component in PAYDI contains risks. Prospective Policy Holder must read and understand the summary of the product information before deciding to buy PAYDI. PAYDI past investment performance does not reflect PAYDI future investment performance.

Allianz Assetlink Optima

Allianz Assetlink Optima is a unit link life insurance which provides simple step by simply pay one time Premium for insurance protection along with potential long-term investment accumulation. You will have peace of mind while planning future finance.

Product Key Selling

• 100% Premium allocation as Investment Fund(1) for potential Investment Value.

• Using one bid and offer Unit price.

• Guaranteed Policy acceptance up to Sum Assured amounted IDR1.000.000.000/ USD 80.000(2) for each Insured and for each Allianz Assetlink Optima Policy.

• Investment opportunity in Indonesia, Asia Pacific & global market.

(1) Investment Fund to purchase Unit according with Premium allocation percentage on investment based on Policy and Sub fund option.

(2) In accordance with the product terms and conditions that apply.

Product Details

Benefit Illustration Example

1)  Death Due to Accident Benefit will only be paid if Insured dies due to Accident within 90 days period since Accident occurred date. Death Due to Accident Benefit will end when Insured reach Age 65 years old.

2)  One time additional of Sum Assured, and Policy end.

3)  Potential Investment Value is not guaranteed and may change from time to time, depending on investment performance based on investment allocation on Smartlink Rupiah Equity Class B Fund.

Disclaimer

Allianz Assetlink Optima (“Insurance Product”) is an Insurance Product by PT Asuransi Allianz Life Indonesia (“Allianz”). PT Bank CTBC Indonesia (CTBC Bank) only acts as a party that refers Allianz Assetlink Optima product. The use of the CTBC Bank logo only indicates that CTBC Bank is working with Allianz in marketing of Allianz Assetlink Optima product and does not mean that this insurance product is a CTBC Bank product. Allianz Assetlink Optima is not a CTBC Bank product so CTBC Bank is not responsible for any and all claims arising from the management of this product portfolio. Allianz Assetlink Optima is not guaranteed by CTBC Bank and its affiliates and is not included in the scope of the deposit guarantee program by LPS as referred to and regulated in Law no. 24/2004 regarding Deposit Insurance Corporation. CTBC Bank is not responsible for the insurance policies issued by Allianz. The performance of the investment component of this product is inseparable from investment risk.

CTBC Bank is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and is a member of the Lembaga Penjamin Simpanan (LPS). Investment Linked Insurance Product (Produk Asuransi Yang Dikaitkan dengan Investasi (PAYDI)) Allianz Assetlink Optima is an insurance product. The investment component in PAYDI contains risks. Prospective Policy Holder must read and understand the summary of the product information before deciding to buy PAYDI. PAYDI past investment performance does not reflect PAYDI future investment performance.

Allianz Life Secure PINTAR (dana PendidIkaN diserTAi pRoteksi)

It is a traditional life insurance product with a Single Basic Premium and Regular Basic Premium (currently not available) payment option for peace of mind of inheritance & financial support in the future.

Product Key Selling

• Death Benefit value of 105% of the total Premium paid(1) if the Insured dies within 2 Policy Years(2) or value of the Sum Assured(3) if the Insured dies after 2 Policy Years(2).

• Accidental Death Benefit(4) in the form of an additional 1 time of Death Benefit(5).

• Education Fund Benefit (which is a maturity benefit) of 1 time the Sum Assured(6) if the insured is still alive on the End of Coverage Date(7)

• Short Insurance Period for 10 years with a choice of Rupiah & US Dollar currencies as needed.

• Choice of payment method for Single Basic Premium & annual Regular Basic Premium (currently not available) for the first 2 Policy Years as needed.

• Policy submission without medical examination for a maximum of Sum Assured up to IDR 10,000,000,000/ USD 770,000. (8)

(1) The entire Premium paid by the Policyholder or Premium Payor (as appropriate) and received by Allianz.

(2) Policy Year from the Effective Policy Date

(3) 100% of the Sum Assured if the Insured dies after 2 years from the Effective Policy Date, as stated in the Policy Data or Endorsement, if any.

(4) In the event that the Insured is guaranteed by more than 1 insurance policy issued by Allianz which provides insurance benefits in the form of death benefits due to Accident similar to Accidental Death Benefit based on the Allianz Life Secure PINTAR Policy (dana PendidIkaN diserTAi pRoteksi), then the Accidental Death Benefit that Allianz will pay for all policies (including the Allianz Life Secure PINTAR Policy (dana PendidIkaN diserTAi pRoteksi) is a maximum of IDR 10,000,000,000.

(5) 105% + 105% of the total Premium paid (if the Insured dies within 2 Policy Years) or 100% + 100% of the Sum Assured (if the Insured dies after 2 Policy Years), as stated in the Policy Data or Endorsement, if any. Accidental Death Benefit will only be paid if the Insured dies within 90 days from the date of the Accident.

(6) 100% Sum Assured

(7) End of Coverage Date as stated in Policy.

(8) Policy submission for Insured, specifically for adult age & income earner with Simplified Issuance Offer (SIO) underwriting type. For Policy submission with Sum Assured exceeding IDR 10,000,000,000 / USD 770,000 will be subject to Full Underwriting.

Detail Product

*Premium payment method currently available for Single Basic Premium Payment

Benefit Illustration Example

Disclaimer

Allianz Life Secure PINTAR (dana PendidIkaN diserTAi pRoteksi) is a traditional individual life insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank CTBC Indonesia ("Bank") only acts as a reference provider for Allianz Life Secure PINTAR (dana PendidIkaN diserTAi pRoteksi). Allianz Life Secure PINTAR (dana PendidIkaN diserTAi pRoteksi) is not a product of the Bank so that the Bank is not responsible for any and all claims and any risks whatsoever for the Policy issued by PT Asuransi Allianz Life Indonesia. Allianz Life Secure PINTAR (dana PendidIkaN diserTAi pRoteksi) is not guaranteed by the Bank and its affiliates and is not included in the scope of the guarantee program of the Government of the Republic of Indonesia or the Deposit Insurance Corporation ("LPS"). PT Bank CTBC Indonesia is licensed and supervised by the Financial Services Authority and is a participant in the Deposit Insurance Corporation (LPS) guarantee. The management of Allianz Life Secure PINTAR products (dana PendidIkaN diserTAi pRoteksi) is carried out by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia. The premium paid includes a commission for the Bank. A more complete explanation of the terms, conditions including detailed charges and exclusions can be found in the General Product and Service Information Summary (RIPLAY) and Policy.

Allianz Life LegacyPro

It is a traditional life insurance product with regular Premium payments that provides Death Benefit until the Insured up to Age 100 years old, Basic Insurance Premium Waiver Benefit, and Sum Assured Booster Benefit when the Insured up to Age 75 years old.

Product Key Selling

• Death Benefit will be given if the Insured dies during the Insurance Period, Allianz shall pay the Death Benefit to the Beneficiary 100% of the Sum Assured for the Basic Insurance.

• Sum Assured Booster Benefit will be given if the Insured up to Age 75 years old. Allianz will provide booster benefits in the form of an increase in Sum Assured for Basic Insurance under the following conditions:

  • The Sum Assured for Basic Insurance will be increased to 50% (50% Sum Assured Booster) provided that the Policyholder has met all of the following criteria*.

  • The Sum Assured for Basic Insurance will be increased to 25% (25% Sum Assured Booster) provided that: (i) the Policyholder fails to meet any one of the Sum Assured Booster Requirements. (ii) has meet the Sum Assured Booster Requirements, and has received a Sum Assured Booster Benefit in the form of an increase in Sum Assured to 50% Sum Assured Booster, but no longer meets any of the Sum Assured Booster Requirements.

The Sum Assured Booster Requirements:

• The Policyholder chooses to pay Premium by means of automatic debit via credit card or savings account;

• Policyholder chooses to send and receive correspondence via email;

• The Policyholder chooses the electronic version of the Policy Book;

• The Policyholder will not make any changes to the Premium payment method (automatic debiting) during the Insurance Period;

• Since the Policy Effective Date, no Premium has been settled after the expiry of a Grace Period;

• The Policyholder has never changed the Policy into a Reduced Paid-Up Policy. The Sum Assured Booster Requirements set out in points (i), (ii) and (iii) above must be met during the submission of SPAJ, as stated in SPAJ.

Basic Insurance Premium Waiver Benefit will be given if the Insured suffers from any one of the 77 Critical Illnesses/Conditions, and the claim for the Basic Insurance Premium Waiver Benefit has been approved by Allianz, Allianz will provide the Basic Insurance Premium Waiver Benefit in the form of a waiver of Basic Insurance Premium payment, starting from the next Premium Due Date (after the date of the claim is approved by Allianz) until the end of the Premium Payment Period.

This Basic Insurance Premium Waiver Benefit shall apply if the Insured meets all of the following requirements:

• Signs or symptoms of Critical Illness/Condition experienced by the Insured or date of diagnosis of Critical Illness/Condition of the Insured did not occur within 80 days since the Policy Effective Date or date of recovery, whichever is later;

• The Insured is diagnosed with any one of the Critical Illnesses/Conditions during the Premium Payment Period in accordance with the provisions of this Policy;

• The Policyholder or the Premium Payor (as the case may be) must continue to pay Premium until the date this Basic Insurance Premium Waiver Benefit claim is approved.

Basic Insurance Premium Waiver Benefit shall have no impact on the Booster Benefit Sum Assured.

The Death Benefit in the amount of the paid Sum Assured payable for the Insured under and/or up to Age 5 years old shall be made under the following terms:

The Death Benefit payment shall be deducted first by other outstanding obligations (if any) from Policyholder to Allianz.

Benefit illustration example

Disclaimer

Allianz Life LegacyPro (“Insurance Product”) is an Insurance Product by PT Asuransi Allianz Life Indonesia (“Allianz”). PT Bank CTBC Indonesia (CTBC Bank) only acts as a party that refers Allianz Life LegacyPro products. The use of the CTBC Bank logo only indicates that CTBC Bank is working with Allianz in marketing of Allianz Life LegacyPro Product and does not mean that this insurance product is a CTBC Bank product. Allianz Life LegacyPro is not a CTBC Bank product so CTBC Bank is not responsible for any and all claims arising from the management of this product portfolio. Allianz Life LegacyPro is not guaranteed by CTBC Bank and its affiliates and is not included in the scope of the deposit guarantee program by LPS as referred to and regulated in Law No. 24/2004 regarding Deposit Insurance Corporation. CTBC Bank is not responsible for the insurance policies issued by Allianz.  PT Bank CTBC Indonesia is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and is a member of the Lembaga Penjamin Simpanan (LPS).

Allianz Wealthlink Supreme Life

With Allianz Wealthlink Supreme Life's unit link life insurance products, find an efficient protection solution for the potential for optimal long-term investment asset development so that your future financial plans are protected.

Product Key Selling

• 1 Policy for peace of mind protection during productive years and potential Investment Value during old age.

• 105%(1) allocation of Regular Basic Premium as Investment Fund(2) starting from Policy Year 6 onwards for potential Investment Value.

• Use a single price for buying and selling Units.

• Potential long-term reduction in Cost of Insurance(3) for the maximum potential of Investment Value.

• Offer of Persistency Bonus Benefit of 50% of the Regular Basic Premium at the end of the 5th(4) Policy Year.

• Optimal investment opportunities in Indonesia, Asia Pacific & global market.

(1)   Special allocation for Regular Top Up Premium and/or Single Top Up Premium as Investment Fund: 95% of the Regular Top Up Premium and/or Single Top Up Premium.

(2)   The Investment Fund to purchase Units in accordance with the percentage of allocation of the Premium under the Policy and in accordance with Your Sub-fund choices.

(3)   Potential reduction in the Cost of Insurance is not guaranteed and is based on the amount greater between the Net Amount at Risk or 6 times the annualised Regular Basic Premium, and the Insured's age from time to time.

(4)   Persistency Bonus Benefit of 50% of the total Regular Basic Premium paid for the 1st Policy Year (excluding Regular Top Up Premium and/or Single Top Up Premium (if any)).

Benefit Illustration Example

1)  Assumed Death Benefit is calculated based on the greater of Net Amount at Risk on the date of approval of the claim or 5 times the annualised Regular Basic Premium plus investment benefit in the form of the Investment Value balance on the date of the approval of the Death Benefit claim. Death Benefit Assumption depends on the performance of the selected Sub-fund or partial withdrawal of Investment Value (if any).

2)  Assumed Investment Value is uncertain and not guaranteed, depending on the performance of the selected Sub-fund.

3)  Persistency Bonus is paid at the end of the 5th Policy Year in the form of additional investment Unit amounting to 50% of the total paid Regular Basic Premium for the 1st Policy Year (excluding Regular Top Up Premium and/or Single Top Up Premium, (if any)). The Persistency Bonus will be given on the condition that the Policy has never been cancelled or has never terminated and must always remain active, the Insured is still alive at the end of the 5th Policy Year, the Regular Basic Premium has been paid on time from the Policy Effective Date until the end of the 5th Policy Year, the Policyholder has not made any withdrawals of the Regular Basic Premium Investment Value from the Policy Effective Date until the end of the 5th Policy Year. The Persistency Bonus Benefit shall be used to purchase Units in accordance with the Policyholder's last recorded selected Sub-fund in Allianz's system referring to the Unit Price at the end of the 5th Policy Year and in accordance with the last recorded Investment Fund allocation percentage in the Allianz's system. The purchased Unit shall be added to the Regular Basic Premium Unit. The Persistency Bonus Benefit shall terminate upon completion of the process mentioned in the previous sentence.

4)  The potential decrease in Cost of Insurance on life is not guaranteed and is calculated based on the greater of the Net Amount at Risk or 6 times the annualised Regular Basic Premium, as well as the age of the Insured from time to time.

Disclaimer

Allianz Wealthlink Supreme Life (“Insurance Product”) is an Insurance Product by PT Asuransi Allianz Life Indonesia (“Allianz”). PT Bank CTBC Indonesia (CTBC Bank) only acts as a party that refers Allianz Wealthlink Supreme Life product. The use of the CTBC Bank logo only indicates that CTBC Bank is working with Allianz in marketing of Allianz Wealthlink Supreme Life product and does not mean that this insurance product is a CTBC Bank product. Allianz Wealthlink Supreme Life is not a CTBC Bank product so CTBC Bank is not responsible for any and all claims arising from the management of this product portfolio. Allianz Wealthlink Supreme Life is not guaranteed by CTBC Bank and its affiliates and is not included in the scope of the deposit guarantee program by LPS as referred to and regulated in Law no. 24/2004 regarding Deposit Insurance Corporation. CTBC Bank is not responsible for the insurance policies issued by Allianz. The performance of the investment component of this product is inseparable from investment risk.

PT Bank CTBC Indonesia is licensed and supervised by the Otoritas Jasa Keuangan & Bank Indonesia and is a member of the Lembaga Penjamin Simpanan (LPS). Investment Linked Insurance Product (Produk Asuransi Yang Dikaitkan dengan Investasi (PAYDI)) Allianz Wealthlink Supreme Life is an insurance product. The investment component in PAYDI contains risks. Prospective Policy Holder must read and understand the summary of the product information before deciding to buy PAYDI. PAYDI past investment performance does not reflect PAYDI future investment performance.