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AUD
7,807.00
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EUR
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HKD
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JPY
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Last Update : Friday, September 03, 2010 - 7:00:01 PM

  Prima

PRIMA is a product that offers investment as well as protection that allows you to change according to your life needs from preparing funds for their children’s future, educational fund, to keep a steady family lifestyle and to happily enjoy retirement.

Prima offers insurance rider option such as accident Insurance, critical illness, hospitalize and surgery as well as premium free 

PRIMA offers a full control and flexibility to invest, such as Top-Ups, partial withdrawals and switching.

 

Name of Funds
Investment Guideline
Risk Profile
GreatLink Fixed Income Fund 80 – 100% fixed income
0 – 20% cash
Low to medium
GreatLink  Balanced Fund 35 – 65% equities
35 – 65% fixed income and money market
Medium to high
GreatLink Dynamic Fund 80 – 100% equities
0 – 20% money market
High


Benefits

- Optimum investment return

  • PRIMA offers higher investment returns because the premium is invested since the first year and even increase every year until the sixth year, where the premium allocation reachs 100%. Beside that, the investment return is free of tax after 3 years or according to the taxation law.

- Flexible

  • Customer can choose the method and frequency of payment according to their financial ability.
  • If there is any financial difficulty, policyholders can take a premium holidays. Insurance coverage will still continue during this period.
  • If there is additional cash available, e.g: bonus, or there is a need for funds, a Top Up or Withdrawal can be made any time.
  • PRIMA allows to make switching or redirection of your funds.
  • Customer can choose the protection amount according to their needs.
  • Protection can also be enhanced with riders that cover accidental/death and disablement, critical illness, hospitalize and surgical benefits.
  • To ensure that financial goals will not be disrupted, the rider premium waiver can be added. 

Term and Condition

  • Entry age:
    • Life Assured: 1 to 65 years old (next  birthday)
    • Policyholder: 18 to 70 years old (next birthday)
  • Coverage Term: up to age of 99 years old (next birthday)
  • Premium Mode: Annually, Half yearly, Quarterly and Monthly.
  • Minimum Annual Premium: IDR. 3,000,000.-
  • Minimum Top Up: IDR. 1,000,000.-

Fees

  • Administration fee : Rp. 25,000.- per month
  • Insurance fee : based on age and gender
  • Top up fee : 5% (deducted from premium top up)
  • Management fee : based on Investment Fund
  • Switching fee : Rp. 100,000.- per transaction (free of charges for the first 2 fund switching)