Sinarmas MSIG life
| Product |
Type |
Objectives |
Marketing Course |
| SMiLe Optima Link |
Unit Link |
Maximum Life Protection |
Inbranch |
| SMiLe Link Plus |
Unit Link |
maximum Investment |
Inbranch |
| SMiLe Link Investa |
Unit Link - Single Premium |
maximum Investment |
Inbranch |
| SMiLe Kids Insurance |
Traditional - Endowment |
Education Fund Warranty |
Inbranch & Telemarketing |
| SMiLe Life Care Plus |
Traditional - Termlife ROP |
Life Protection and 100% Premium Return |
Inbranch & Telemarketing |
SMiLe Optima Link
SMiLe Optima Link SmiLe Optima Link provides two benefits at once, include life insurance due to accident or non-accident up to 99 years, as well as investment development value that you entrust to us.
Benefits
- Life protection up to 99 years
- 100% death benefit coverage and policy value
- Policyholder will get policy value, if the insured is still alive once the insurance contract is due
- Completed with various additional protections
- Cash value development
- Investment funds top up available at any time for periodic premiums
- Investment funds transfer and withdrawal also available at any time
- Free charge for each 2x investment funds withdrawal and transfer within 1 year policy
Entry Age
- Insured : 15 Days - 70 Years
- Policy holders : 17 - 85 Years
Insurance Periode
Premium Payment
- Lump sum, annual, semesters, quarterly and monthly
Minimum Total Premium
- Lump sum Rp. 10.000.000/ USD 1.000
- Annual Rp. 1.800.000/ USD 180
- Semester Rp. 900.000/ USD 90
- Quarterly Rp. 450.000/ USD 45
- Monthly Rp. 150.000/ USD 15
Costs
- Administration: Rp.27.500 / USD 5 per month
- Top Up: 5% of top up premium
- Acquisition: 5% of lump sum payment or percentages of the principal premium periodic payments
| Premium Year |
Ascquis |
| 1 |
100% |
| 2 |
60% |
| 3 |
15% |
| 4 |
15% |
| 5 |
15% |
- Maximum investment management 2% per year
- Withdrawal before third month, on third withdrawal and for the following year 1.25% per year from total funds withdrawn
- Switching on third time and next following year, 2% per year of funds transferred
Investment Fund Options
- EXCELLINK AGGRESIVE FUND
Minimum 80% of investment funds in capital market investment instruments (equity) and/or maximum of 20% on money market investment instruments.
- EXCELLINK SECURE DOLLAR INCOME FUND
Minimum 80% of USD investment funds on Fixed Income and/or maximum 20% in money market investment instruments
- EXCELLINK DYNAMIC DOLLAR FUND
Minimum 50% of USD investment funds on Fixed Income and maximum 50% on Equity
SMiLe Link Plus
SMiLe Link Plus SMiLe Link Plus is constantly accompanying you to face the future by providing investment plan with additional bonuses in current policy year and life protection. Protect yourself and plan your finance early on!
Benefits
- Life protection up to 100 years
- Sum insured up to 20x basic premium.
- 100% death benefit coverage and policy value
- 100-year life benefits of policy value
- Total loyalty bonus from 100% base premium, if the premium is full paid with no investment fund withdrawal
- Cash value development
- Various options for investment funds
- Free charge of investment fund withdrawals since 7th year
- Investment funds transfer available at any time
- Investment funds top up available at any time
- Completed with 15 additional protection
Entry Age
- Insured : 15 days - 70 Years
- Policy holders : 17-85 Years
Insurance Period
- Until the insured reaches 100 years old
Premium Payment
- Lump sum, annual, semesters, quarterly and monthly
Minimum Total Premium
- Annual Rp. 3.000.000
- Monthly Rp. 300.000
Cost
- Administration : Rp. 20.000,-/USD 2 per month
- Ascquisition
| Policy Year |
Basic Premium Acquisition Fee |
Premium Top up Acquisition Fee |
| 1 |
50% |
3% |
| 2 so on |
0% |
3% |
- Basic fee (foundation fee / maintenance fee): for the first 7 years, 4.5% of the investment fund
- Maximum investment management of 1.5% - 2% per year
- withdrawals before the third month and on the third withdrawal and so on per year: 1. 25% of the funds withdrawn
- Free switching fee 5 times a year, switching on 6th time and next following year will be charged Rp.100.000 / USD 10
Investment Fund Options
- EXCELLINK FIXED INCOME FUND
Placement in debt securities (50% government bonds and 50% private bonds)
- EXCELLINK DYNAMIC FUND
50% acquisition through debt securities (government, corporate bonds) and 50% on equity securities (shares)
- EXCELLINK AGGRESIVE FUND
Minimum 80% investment funds in capital market investment instruments (equity) and/or maximum 20% on money market investment instruments
- EXCELLINK SECURE DOLLAR INCOME FUND
Minimum 80% USD investment funds on Fixed Income and/or maximum 20% on money market investment instruments
- EXCELLINK DYNAMIC DOLLAR FUND
Minimum 50% USD investment funds on Fixed Income and maximum 50% on Equity
SMiLe Link Investa
Get a dream protection by SMiLe Link Investa. Not only life protection is provided, but SMiLe Link Investa also helps you plan the future through profitable investment features.
Benefits
- 100% Death benefit (due to minor accident) of sum insured and policy value
- 200% Death benefit (due to major accident) of sum insured and policy value
- Life benefits up to 100 years in the form of policy value
- Minimum sum insured is the highest amount between 15 million and 125% of base premium
- Various options for investment funds
- Investment funds transfer/top up available at any time
- Free of charge for 4x funds transfer within one policy year
- Free acquisition fee
- One-time premium payment
Entry Age
- Insured : 15 days - 70 Years
- Policy holders : 17 - 85 Years
Insurance Period
- Until the insured reaches 100 years old
Premium Payment
Premium
- Minimum Premium (excluding Top Up) Rp.10.000.000 / USD 1.000
Cost
- Administration: Rp.20.000 / USD 2 per month
- Acquisition: 0%
- Maximum investment management 1.5% -2% per year.
- Withdrawal Fees
| Policy |
Fee |
| 1 |
4% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 so on |
0% |
- Free switching fee 4 times a year, switching on 5th time and next following year will be charged Rp.50.000 / USD 5
Investment Fund Options
- EXCELLINK FIXED INCOME FUND
Placement in debt securities (50% government bonds and 50% private bonds)
- EXCELLINK DYNAMIC FUND
50% acquisition through debt securities (government, corporate bonds) and 50% on equity securities (shares)
- EXCELLINK AGGRESIVE FUND
Minimum 80% investment funds in capital market investment instruments (equity) and/or maximum 20% on money market investment instruments
- EXCELLINK SECURE DOLLAR INCOME FUND
Minimum 80% USD investment funds on Fixed Income and/or maximum 20% on money market investment instruments
- EXCELLINK DYNAMIC DOLLAR FUND
Minimum 50% USD investment funds on Fixed Income and maximum 50% on Equity
SMiLe Kids Insurance
SMiLe Kids Insurance shapes the children’s futures by preparing basic education funding to achieve the bachelor degree. Secure your children's education fund from now on!
Benefits
- Education stages up to bachelor degree
- Life protection for children
- Premium relief once the parents died or with total permanent disability
Entry Age
- Insured entry age
| Plan Type |
Entry Age |
| A |
30 Day - 3 Year |
| B |
30 Day - 9 Year |
| C |
30 Day - 10 Year |
| D |
30 Day - 10 Year |
- UEntry age for policy holders: 50-59 years
Insurance period
- Until the insured reaches 22 years old
Premium Payment
- Annual, semester, quarterly and monthly
Premium Payment Period
Benefits Stages
| Plan Type |
Total Stages (%) |
| PLAN A |
PLAN B |
PLAN C |
PLAN D |
| 6 Year |
5% |
|
|
|
| 12 Year |
10% |
10% |
|
|
| 15 Year |
20% |
20% |
20% |
|
| 18 Year |
50% |
50% |
50% |
50% |
| 22 Year |
15% |
20% |
30% |
50% |
SMiLe Life Care Plus
Term protection from death risks and total permanent disability from SMiLe Life Care Plus, ensures that your family can live prosper life, even when you are powerless.
Benefits
- Various options for death benefit or total permanent disability with monthly payment for 5 years as much as 10 x monthly premium or at lump sum payment as much as 500x monthly premium
- 100% premium refund if you meet any risk until insurance period is due
- Benefits up to Rp.1.200.000.000, if you have more than 2 policies
Entry Age
- Insured entry age: 18-50 years
- Entry age for policy holders: 17-85 years
Insurance Period
Premium Payment
- Annual, semester, quarterly and monthly
Premium
- Monthly Rp. 100.000 - Rp. 2.400.000
Premium Payment Period
- In accordance with insurance period
Disclaimer
Insurance products marketed at bank bjb are the products of Insurance Company Partner and not bank bjb products, also not included within the scope of government guarantee program or Deposit Insurance Corporation. Bank bjb is not responsible for the risks that may arise from any insurance products offered.
Consumer must read carefully and agree to the terms and conditions that listed within the policy. The benefit value can increase or decrease and can be smaller than the value of funds invested.
The Insurance Company Partner is responsible for policies issuance or refusal and claims submitted
BRI life
Insurance product of bank bjb in its collaboration with PT Asuransi BRI Life, namely Bringin Ajaib Micro Insurance. Bringin Ajaib Micro Insurance product is an insurance product that provides life certainty and accident protection promptly at any time in easy and quick manner.
Excellence
- Affordable premium
- Practical and Flexible
- Quick Activation
Features of Bringin Ajaib Micro Insurance Products
Benefits
| No. |
Insurance Types |
Compensation |
|
1
|
Hospitalization cost due to accident |
Rp.1.000.000,- |
|
2
|
Death due to accident |
Rp.50.000.000,- |
|
3
|
Death due to illness (natural death) |
Rp.1.500.000,- |
Age Limit
Premium
-
Rp.50.000, - for 50 Bringin Ajaib Micro Insurance
Premium Payment
Insurance / Protection Period
-
12 months for Bringin Ajaib Micro Insurance
Disclaimer
Insurance products marketed at bank bjb are the products of Insurance Company Partner and not bank bjb products, also not included within the scope of government guarantee program or Deposit Insurance Corporation. Bank bjb is not responsible for the risks that may arise from any insurance products offered.
Consumer must read carefully and agree to the terms and conditions that listed within the policy. The benefit value can increase or decrease and can be smaller than the value of funds invested.
The Insurance Company Partner is responsible for policies issuance or refusal and claims submitted.
