Signature Wealth Assurance
Protection for you and family future wealth growth
Signature Wealth Assurance by Allianz
Signature Wealth Assurance is The New Unit Link life insurance product that provides efficient protection solution along with long term potential investment accumulation to sustain your current and future wealth.
Product highlight
105%(1) Regular Basic Premium allocation as Investment Fund(2) since 6th Policy Year onwards for potential Investment Value.
Serenity with Critical Illness Benefit(3) and Medical Assistance.
70% Persistency Bonus Benefit from Regular Basic Premium at the end of 5th Policy Year(4).
Using single bid and offer Unit price.
Long term potential decreased Cost of Insurance(5) for potential maximal Investment Value.
Maximal Sum Assured for certain Insured age without medical requirement.(6)
Investment opportunity in Indonesia & Asia Pacific.
1
Only Regular Top Up Premium and/or Single Top Up Premium allocation as Investment Fund: 95% from Regular Top Up Premium and/or Single Top Up Premium.
2
Investment Fund to purchase Unit according Premium allocation on investment based on Policy and Sub fund choice.
3
Critical Illness Benefit for one of 3 Critical Illness types with advanced stage.
4
Persistency Bonus Benefit valued 70% from Basic Regular Premium paid or annualized Regular Basic Premium on the 1st Policy Year (excluding Regular Top Up Premium and/or Single Top Up Premium (if any)).
5
Potential decreased Cost of Insurance of life is not guaranteed and based on whichever is greater between Net Amount at Risk or 5 times value of annualized Regular Basic Premium, also Insured age from time to time
6
Based on product terms and conditions.
Product Benefit
Basic Insurance Benefit until Insured age 100 years old.
- 100 critical illness conditions Sum Assured (CI 100).
- As charge hospital benefit indemnity up to worldwide hospital coverage (Prime Medical Protection).
- Premium payment by Allianz if Premium Payor / Premium Payor Spouse:
- Diagnosed with critical illness / total permanent disability (Payor Benefit).
Additional Information:
- Additional Insurance Benefit only available for new Policy submission.
- Critical Illness 100 only available for basic Policy with IDR currency option.
- Prime Medical Protection cannot be added together with Hospital & Surgical+ in other product (if any).
- Note: For Additional Insurance options is currently available only for Prime Medical Protection.
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Regular Basic Premium(1) as Investment Fund(2) |
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|---|---|
IDR
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US Dollar
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- Maturity Benefit: Formed Potential Investment Value(3).
- Potential Investment Value(3) can be withdrawn as needed.
1
Only Regular Top Up Premium and/or Single Top Up Premium allocation as Investment Fund: 95% from Regular Top Up Premium and/or Single Top Up Premium.
2
Investment Fund to purchase Unit according Premium allocation on investment based on Policy and Sub fund choice.
3
Potential Investment Fund is not guaranteed and may change from time to time depends on Sub fund option performance
Persistency Bonus Benefit
70% from Basic Regular Premium paid or annualized Regular Basic Premium on the 1st Policy Year (excluding Regular Top Up Premium and/or Single Top Up Premium (if any)).
Persistency Bonus Benefit will be paid at the end of 5th Policy Year in the form of additional investment Unit according to Policy terms and conditions.
Additional information
1
Death Benefit assumption is calculated based on which one is higher between Net Amount at Risk on the date of claim approval or 5 times value of annualized Regular Basic Premium plus with investment benefit in the form of Investment Value balance available on the date of approved Death Benefit claim. Death Benefit assumptions depends on selected Sub fund performance or Investment Value withdrawal (if any).
2
Investment Value assumption is not guaranteed and depends on selected Sub fund performance.
3
Persistency Bonus Benefit will be paid at the end of 5th Policy Year in the form of additional investment Unit valued of 70% from Basic Regular Premium paid or annualized Regular Basic Premium on the 1st Policy Year (excluding Regular Top Up Premium and/or Single Top Up Premium (if any)), also according to Policy terms and conditions.
4
Potential decreased Cost of Insurance of life is not guaranteed and based on whichever is greater between Net Amount at Risk or 5 times value of annualized Regular Basic Premium, also Insured age from time to time.
5
Critical Illness Sum Assured that decrease Sum Assured amount (for purpose of Net Amount at Risk calculation) if diagnosed by specialist Doctor suffer from one of 3 Critical Illness types with advanced stage. Critical Illness Sum Assured will be calculated valued of 20% from whichever is greater between Net Amount at Risk on the date when Insured diagnosed by specialist Doctor (as specified in Specify Policy Terms), suffer from one of 3 Critical Illness types or 5 times value of annualized Regular Basic Premium.
- Insured entry age: 1 month - 70 years old (nearest birthday).
- Life Insurance Period: Until age 100 years old.
- In IDR & US Dollar currency.
- Full Underwriting conditions apply based on Policy conditions.
- There are Insurance Benefit exceptions based on Policy terms & conditions.