Sun Life Shariah
As a leading insurer, PT Sun Life Financial Indonesia continuously focuses on our customers by providing them with innovative products. In December 2010, we launched our shariah business which allows us to share the value of the shariah concept and will help us meet our customer’s needs in this area.
To ensure our customers receive a clear understanding of the shariah concept through our financial consultants, we provide a designated shariah training and certification program to our entire marketing force.
Brilliance Hasanah Sejahtera
Brilliance Hasanah Sejahtera is a life insurance and investment product with regular payments to help you achieving your financial needs in the future, such as cost of education, venture capital, worship, child marriage, retirement plan and other which managed according to Shariah principles.
- Insurance coverage up to age 88 years
- Minimum contribution is affordable in Rupiah and payment options on monthly, quarterly, semiannual and annual*
- Able to perform additional investment (Contributions Single Top Up) to improve investment results every time with a minimum amount of Rp1.500.000
- Free to determine the contributions and the sum assured in accordance with the needs and abilities
- Free of investment choices that fit the profile of risk and investment goals
- Flexible, you can make withdrawal and switching investment fund at any time
- Free 3x switching of investment funds in a year
- You can select additional insurance to suit your situation**
- Get extra protection for the Insured automatically, aged between 15-70 years, if the insured dies by accident with a sum assured Rp100.000.000
- Managed by Shariah principles, in which each participant helping each other and protect the other participants in the face of risk and investment placement
- Surplus Underwriting, opportunity to get a underwriting surplus which is calculated each year end, if any, and in accordance with applicable provisions
*Only applies to monthly automatic debit, credit cards and savings
**Consult with our sales forces.
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Brilliance Hasanah Protection Plus
Brilliance Hasanah Protection Plus is a unit linked insurance product, a single contribution that is designed specifically to meet the needs of life protection coverage and investments that are managed according to Shariah principles.
- Payment of contributions is only 1 (one) time or a Single Contribution
- The addition of Investment Funds (Top Up) can be added at any time, the minimum amount is Rp1.500.000
- Provide protection up to age 88 years
- Available in Rupiah currency
- The minimum of Sum Assured is 125% of Single Contributions or Rp15.000.000, whichever is higher
- Facilities Emergency Medical Services of Domestic and International SOS International is free, provided for Rp100.000.000 and above of Single Contribution
- Distribution of Surplus Underwriting (if any) for all participants according to the terms and conditions apply
Investment Fund Options
There are 2 types of Shariah-based investment fund options, namely:
Salam Equity Fund
Investment funds will be placed on the separation of sharia (> 80%) and Islamic money market (<20%). With this composition, Salam Equity Fund is the right choice for you who want a high return on investment in accordance with level of risk will be borne.
Salam Balanced Fund
Investment Fund is intended for you who want the optimal investment returns through the placement of investment allocation in the various Islamic investment instruments. Your investment funds will be placed in equity (<75%) and/or sukuk/shariah bond (<100%)
Investment Fund Management
- Unit prices are calculated daily and Investment Fund performance can be monitored in several leading national newspapers or visit www.sunlife.co.id
- SLF Indonesia is working with world class investment managers to manage the Investment Fund.