Allianz Wealthlink Prestige Life II

• One policy for protection during productive age and potential investment value during senior age.
• A 105%(1) allocation of regular basic premium as an investment fund(2) since the 6th policy year and so forth for potential investment value.
• Only one price in selling and buying unit.
• Having a peace of mind with critical illness(3) benefits and medical assistance services.
• Potential reduction in long-term insurance costs(4) for maximum potential investment value.
• The maximum sum insured for a certain insured entry age without medical requirements(5).
• A persistence bonus benefit worth 70% of the regular basic premium is available at the end of the 5th policy year.(6)
• Optimal investment opportunities in Indonesia, Asia Pacific & global markets.

(1) Specific allocation of 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) Investment Fund to purchase units according to the percentage of premium allocation on investment based on the policy and according to the choice of Sub-funds.

3) Benefits of critical illness for one of the 3 types of advanced critical illness.

4) Potential reduction in life insurance cost is not guaranteed and is based on whichever is greater, the life coverage value or 5 times the value of the annualized regular basic premium, as well as the age of the insured from time to time.

5) Following with the applicable product features.

6) Benefits of persistence bonus of 70% of the total regular basic premium that has been paid or annualized regular basic premium in the 1st policy year (excluding regular top up premium and/or single top up premium (if any)).

• The protection period is up to 100 years old
• Low insurance costs when the investment value has reached the targeted sum assured, thus maximizing the investment value
• Paying critical illness benefits from the basic sum assured by providing a reset period to return 100% of the basic sum assured

1. Death Benefits

The sum assured : (Current money – accumulated withdrawals from the investment value of the regular basic premium) – investment value of the regular basic premium.

For the insured under the age of 5 years, the provisions of the Lien Clause apply:

*Investment Value = the number of units (after deducting costs) multiplied by the unit price.

B. CI Accelerated

• 20% of the greater of the sum insured or 5x Annual regular basic premium if the Insured is majorly diagnosed with one of the 3 critical illnesses being covered:
  1. Heart Attack
  2. Cancer
  3. Strokes
• Payment of critical illness benefits will reduce the basic sum assured and will only be paid once per policy.
• If the Insured is still alive for 3 years from the date of the critical illness diagnosis is approved, the basic sum assured will return to 100% of the sum assured after the critical illness is paid.
• For the Insured under the age of 5 years, the Lien Clause provisions apply:

*Investment Value = the number of units (after deducting costs) multiplied by the unit price.

C. Final benefit of contract investment value* and policy ends

This product also provides a complete medical assistance service that is packaged into this product, when the Insured travels more than 100 km from his place of residence or when traveling outside Indonesia for not more than 90 days.

Sum Insured

Minimum : IDR 5 billion

Maximum : refers to the multiplier table* of the attached annualized regular basic premium amount Maximum sum insured for those without income, children (up to 17 years), students and housewives: IDR 8 billion

Accelerated CI Sum Assured:

20% whichever is greater between the sum insured or the annual reriodic basic premium up to a maximum of IDR 5 billion per policy, with a maximum of IDR 10 billion per Insured person for all policies with the same Insured.

• Allianz Wealthlink Prestige Life II is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank QNB Indonesia Tbk (“Bank”) only acts as a referrer for Allianz Wealthlink Prestige Life II.
• Allianz Wealthlink Prestige Life II is not a Bank product so the Bank is not responsible for any and all claims and risks arising from managing this product portfolio. Allianz Wealthlink Prestige Life II is not guaranteed by the Bank and its affiliates and is not included in the scope of the guarantee program objects of the Government of the Republic of Indonesia or the Deposit Insurance Corporation (“LPS”). The bank is not responsible for policies issued by PT Asuransi Allianz Life Indonesia. Investment fund management based on the choice of Sub Fund Allianz Wealthlink Prestige Life II is carried out by PT Asuransi Allianz Life Indonesia and/or the Investment Manager appointed by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia. The performance of the choice of sub-funds from PT Asuransi Allianz Life Indonesia can be seen in the monthly Fund Fact Sheet report.
• Investments in capital market instruments contain market risk. The performance of the Subfund is not guaranteed, unit prices and income from the Subfund may increase or decrease. The past performance of Subfund options is not an indication of future performance. Full details are in the Fund Fact Sheet.
• Premiums paid include commissions for the Bank.
• You can learn more about the terms and conditions including detailed fees and exclusions in the General Product and Service Information Summary (RIPLAY) and Personal Product and Service Information Summary (RIPLAY) and Policy.