Allianz Assetlink Optima
Allianz Assetlink Optima is a life insurance product with a single premium payment that provides Death Benefit, Death Benefit Due to Accident, as well as Investment Benefits with a choice of Sub funds that suit customer needs.
Product Excellence
- Attractive investment medium with choices of attractive investment funds
- Fund Value can be withdrawn at anytime to meet various needs
- Single Premium Unit Link with life Insurance benefit (Death Benefit and/or Accidental Death Benefit)
1. Insurance Benefits
A. Death Benefit (DB)
- Insurance Period up to the Age of the Insured 100 years
- 200% Single Basic Premium + Investment Value(1)
B. Accidental Death Benefit(2)
- The Insurance period ends when the Insured has reached the age of 65 years
- Sum Insured Amount of 200% Single Basic Premium(3) + 200% Single Basic Premium(2) + Potential investment value(1)
(1)The potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the Subfund's selection.
(2)Death Benefit Due to Accident will only be paid if the Insured dies due to an Accident within 90 days from the date of the Accident. Death Benefit Due to Accident ends when the Insured has reached the Age of 65 years.
(3)Additional 1 time of the Sum Insured, and the Policy ends.
2. Investment Benefits
- Premium Allocation 100%(1) as Investment(2)
- Potential Investment Value(3 )can be withdrawn as needed
(1)The location of the 100% Single Basic Premium and the allocation of 100% Single Top Up Premium as Investment Funds.
(2)Investment Fund to purchase Units according to the percentage of Premium allocation on investments based on the Policy and according to the choice of Subfunds.
(3)The potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the Subfund's choice.
- Final Benefit of Contract
If the Insured is still alive until the End of Coverage Date, Allianz will pay the investment benefit in the form of the entire balance of Investment Value(1) (if any) to the Policyholder.
(1)The potential Investment Value is not guaranteed and may change from time to time depending on the performance of the Subfund's selection.
Investment Fund Options
|
Risk Classification |
Investment Funds Options |
Currency |
Cost |
|
Moderate |
Smartlink Rupiah Balanced Class B Fund |
IDR |
2% |
|
Smartwealth Dollar Multi Asset Class B Fund |
USD |
1.75% |
|
|
Moderate-Agressive |
Smartlink Rupiah Balanced Plus Class B Fund |
IDR |
2% |
|
Smartwealth LiquiFlex LQ45 Class B Fund |
IDR |
2% |
|
|
Aggressive |
Smartlink Rupiah Equity Class B Fund |
IDR |
2% |
|
Smartwealth Equity Small Medium Capital Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Indoconsumer Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Infrastructure Class B Fund |
IDR |
2% |
|
|
Smartwealth Rupiah Equity Rotation Class B Fund |
IDR |
2% |
|
|
Smartwealth Dollar Asia Pacific Class B Fund |
USD |
2% |
|
|
Smartwealth Dollar Equity All China Class B Fund |
USD |
2% |
|
|
Smartwealth Dollar Equity Sustainable Global Fund |
USD |
2% |
- Allianz Assetlink Optima is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank QNB Indonesia Tbk (“Bank”) only acts as a referrer for Allianz Assetlink Optima.
- Allianz Assetlink Optima 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 Assetlink Optima 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 Assetlink Optima 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 subfunds from PT Asuransi Allianz Life Indonesia can be seen in the monthly Fund Fact Sheet report.
- PT Bank QNB Indonesia Tbk is a bank licensed and supervised by the Financial Services Authority (OJK).
- 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.
- This brochure is not part of the insurance agreement form policy between PT Asuransi Allianz Life Indonesia and the customer. The Customer is fully bound by every provision contained in the Policy.
Allianz Wealthlink Protection Life
Allianz Wealthlink Protection Life is a unit link life insurance product with regular premium payments that provides protection solutions along with the potential of long-term investment asset development for your future financial plans remain protected from various life risks.
Product Ecxellence
- Ease of determining the choice of protection benefits as needed(1).
- 105%(2) allocation of regular basic premium as an investment3 fund since the 6th policy year onwards for potential Investment Value
- Flexible in the method and amount of payment of total regular premium according to the financial plan.
- Using one price for selling and buying unit link
- Investment opportunities in Indonesia, Asia Pacific, and global markets.
- Complete additional benefit options such as critical illness benefits, permanent disability, reimbursement of hospital treatment costs, etc.
(1) In accordance with the applicable product terms and conditions.
(2) Special allocation of Periodic Top Up Premium and/or Single Top Up Premium: 95% of Periodic Top Up Premium and/or Single Top Up Premium.
(3) Investment Fund to purchase units according to the percentage of premium allocation on investments based on the Policy and according to the choice of Sub-funds.
Product Benefits
- Protection period up to 100 years old
- Attractive investments with a variety Investment Fund placement options.
- Investment Funds can be withdrawn at any time as needed.
- 100% of the Sum Insured plus the Investment Value in case of risk of death.
- When the Insured reaches the age of 100 years, the Investment Value will be paid and the coverage ends.
Death Benefit
If the Insured Dies in the Insurance Period, the Death Benefit will be paid to the Beneficiary as follows:
- Death Benefit of 100% of the Sum Insured plus the Investment Value formed
- Investment Value = Number of units (after deducting cost) multiplied by the unit price.
- Clause for insured under the age of 5 years:
|
Insured’s age when death benefit is paid |
Of Sum Assured |
|
≤ 1 |
20% |
|
2 |
40% |
|
3 |
60% |
|
4 |
80% |
|
≥5 |
100% |
Sum Insured
Minimum: Which is higher between IDR100 million/USD36,000 OR the minimum multiplier of the Sum Insured
Maximum: Which is higher between IDR100 million/USD36,000 OR the maximum multiplier of sum insured
Maximum Sum Insured for children (up to age 17): IDR3 billion/USD 240,000.
Investment Fund Options
|
Risk Profile |
Pilihan Dana Investasi |
Currency |
Fee |
|
Conservative |
Smartlink Rupiah Money Market Class B Fund |
IDR |
1,5% |
|
Moderate |
Smartlink Rupiah Fixed Income Class B Fund |
IDR |
2% |
|
Smartlink Rupiah Balanced Class B Fund |
IDR |
2% |
|
|
Smartwealth Dollar Multi Asset Class B Fund |
USD |
1.75% |
|
|
Smartlink Dollar Managed Class B Fund |
USD |
1.5% |
|
|
Moderate-Aggressive |
Smartlink Rupiah Balanced Plus Class B Fund |
IDR |
2% |
|
Smartwealth Dollar Asia Pacific Class B Fund |
USD |
2% |
|
|
Aggressive |
Smartlink Rupiah Equity Class B Fund |
IDR |
2% |
|
Smartwealth Equity Indoconsumer Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Infrastructure Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Small Medium Capital Class B Fund |
IDR |
2% |
|
|
Smartwealth LiquiFlex LQ45 Class B Fund |
IDR |
2% |
|
|
Smartwealth Rupiah Equity Rotation Class B Fund |
IDR |
2% |
|
|
Smartwealth Dollar Equity All China Class B Fund |
USD |
2% |
|
|
Smartwealth Dollar Equity Sustainable Global Fund |
USD |
2% |
- Allianz Wealthlink Protection Life is an insurance product issued by PT Asuransi Allianz Life Indonesia (“Allianz”). PT Bank QNB Indonesia Tbk (“Bank”) only acts as a referral for Allianz Wealthlink Protection Life
- PT Bank QNB Indonesia Tbk is a bank registered and supervised by the Financial Services Authority (OJK). Allianz Wealthlink Protection Life is not guaranteed by PT Bank QNB Indonesia Tbk and its affiliates.
- PT Asuransi Allianz Life Indonesia is registered with and supervised by the Financial Services Authority (OJK), and its sales force has a license from the Asosiasi Asuransi Jiwa Indonesia.
- Allianz Wealthlink Protection Life is not a product of the Bank so the Bank is not responsible for any and all claims and risks arising from the management of this product portfolio. Allianz Wealthlink Protection Life 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"). The Bank is not responsible for the Policy issued by PT Asuransi Allianz Life Indonesia. The management of the Investment Fund based on the choice of the Allianz Wealthlink Protection Life Sub-Fund is carried out by PT Asuransi Allianz Life Indonesia and/or an Investment Manager appointed by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia. The performance of sub-fund options from PT Asuransi Allianz Life Indonesia can be seen in the monthly Fund Fact Sheet report.
- More complete explanation of the terms, conditions including charges in detail and exclusions can be found in the General Product and Service Information Summary (RIPLAY) and Personal Product and Service Information Summary (RIPLAY) and Policy.
- Allianz Wealthlink Protection Life Attributed Insurance Product (PAYDI) is an insurance product. The investment component in PAYDI carries risks. Prospective Policy Holders are required to read and understand the General Product and Service Information Summary (RIPLAY) and RIPLAY Personal before deciding to purchase PAYDI. PAYDI's past investment performance does not reflect PAYDI's future investment performance.
Allianz Wealthlink Prestige Life II
Allianz Wealthlink Prestige Life II is a unit link life insurance product with regular premium payments that provides solutions in efficient protection for optimal investment potential throughout your future financial planning.
Product Excellence
- 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)).
Product Benefits
- 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
A. Death Benefits
|
Death Benefit |
= |
Which one is bigger: The sum assured Or 5x annual regular basic premium |
+ |
Invesment Value |
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:
|
Insured’s age when death benefit is payable (Year) |
Will be paid, whichever is higher: net amount at risk Or 5x annual regular basic premium |
|
≤ 1 |
20% |
|
2 |
40% |
|
3 |
60% |
|
4 |
80% |
|
≥ 5 |
100% |
*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:
- Heart Attack
- Cancer
- 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:
|
Age of the Insured diagnosed with a critical illness (Year) |
Will be paid 20% whichever is greater: The value of coverage Or 5x annual regular of basic premium |
|
≤ 1 |
20% |
|
2 |
40% |
|
3 |
60% |
|
4 |
80% |
|
≥ 5 |
100% |
*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.
Investment Fund Options
|
Risk Classification |
Investment Funds Options |
Currency |
Cost |
|
Conservative |
Smartlink Rupiah Money Market Class B Fund |
IDR |
1,5% |
|
Moderate |
Smartlink Rupiah Fixed Income Class B Fund |
IDR |
2% |
|
Smartlink Rupiah Balanced Class B Fund |
IDR |
2% |
|
|
Smartwealth Dollar Multi Asset Class B Fund |
USD |
1.75% |
|
|
Smartlink Dollar Managed Class B Fund |
USD |
1.5% |
|
|
Moderate-Aggressive |
Smartlink Rupiah Balanced Plus Class B Fund |
IDR |
2% |
|
Smartwealth Dollar Asia Pacific Class B Fund |
USD |
2% |
|
|
Aggressive |
Smartlink Rupiah Equity Class B Fund |
IDR |
2% |
|
Smartwealth Equity Indoconsumer Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Infrastructure Class B Fund |
IDR |
2% |
|
|
Smartwealth Equity Small Medium Capital Class B Fund |
IDR |
2% |
|
|
Smartwealth LiquiFlex LQ45 Class B Fund |
IDR |
2% |
|
|
Smartwealth Rupiah Equity Rotation Class B Fund |
IDR |
2% |
|
|
Smartwealth Rupiah Equity Sustainable Indonesia Fund |
IDR |
2% |
|
|
Smartwealth Dollar Equity All China Class B Fund |
USD |
2% |
|
|
Smartwealth Dollar Equity Sustainable Global Fund |
USD |
2% |
- 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.
