Premier Plan Assurance
Allianz - HSBC
Protection to ensure optimal financial plan in the future.
Premier Plan Assurance
Premier Plan Assurance is a unit link life insurance product that provides protection solutions along with unlocking the potential for optimal long-term investments so that Your future financial plans are protected from various life risks.
Product Highlight
100%(1) Premium allocation from the first Policy Year as Investment Funds(2) for optimal investment growth.
Persistency Bonus Benefit of (i) 100% for Policy with Rupiah currency; or (ii) 50% for Policy with US Dollar currency at the end of the 5th Policy Year(3).
Additional Premium allocation of (i) 103% for Policy with Rupiah currency; or (ii) 101.5% for Policy with US Dollar currency starting from the 6th Policy Year onwards(4).
Optimal Sum Assured for certain entry ages without medical requirements(5).
Optimal investment opportunities in Indonesia, Asia Pacific, and Global Markets.
1
The Premium will be automatically allocated as 10% to the Regular Basic Premium account and 90% to the Regular Top Up Premium account starting from the 1st Policy Year onwards. The Premium allocation as Investment Fund, including the Persistency Bonus Benefit will be paid at the end of the 5th Policy Year in the amount of (i) 100% for Policy with Rupiah currency; or (ii) 50% for Policy with US Dollar currency, based on the Premium paid in the 1st Policy Year, in accordance with the terms and conditions of the Policy.
2
The Investment Fund to purchase Unit according Premium allocation on investment based on Policy and Sub-fund choice.
3
The Persistency Bonus Benefit value will be used to purchase Units based on the Sub-fund selected by the Policyholder, recorded last in the Allianz system, using the Unit Price at the end of the 5th Policy Year and in accordance with the most recent recorded Investment Fund allocation percentage in the Allianz system. The Units purchased will add to the Premium Units.
4
An additional Premium allocation of (i) 3% for Policy with Rupiah currency; or (ii) 1.5% for Policy with US Dollar currency starting from the 6th Policy Year onwards will be allocated to each Regular Basic Premium account and Regular Top Up Premium account according to the Premium allocation, provided the Insured is still alive and in accordance with the applicable product terms and conditions.
5
Based on product terms and conditions of the applicable product features.
Premium(1) allocation as Investment Fund(2)
Rupiah
- 1st until 5th year : 100%
- 6th year onwards : 103%
US Dollar
- 1st until 5th year : 100%
- 6th year onwards : 101,5%
- The Premium will be automatically allocated as 10% to the Regular Basic Premium account and 90% to the Regular Top Up Premium account starting from the 1st Policy Year onwards.
- The Investment Fund to purchase Unit according Premium allocation on investment based on Policy and Sub-fund choice.
- Insured entry age: 1 month - 70 years old (nearest birthday).
- Insurance Period: Until the age of the Insured is 100 years old.
- In IDR & US Dollar currency.
- Guaranteed Issue (GIO) & Full Underwriting conditions apply based on Policy conditions.
- There are Insurance Benefit exceptions based on Policy terms & conditions.