Period: 75 years
- Protection for 5 risks
- 50 % Return of Premium
- Affordable premium
Waiver of Premium - Death
Providing waiver of premium if the policy holder dies within the coverage period.
Life Insurance
What is Life Insurance?
Life insurance is a financial agreement wherein an individual makes regular premium payments to an insurance company. If the person dies during the coverage period, the insurance company disburses benefits to the designated heirs or beneficiaries.
In addition to death protection, life insurance can provide benefits such as cash value or cash payments at certain points in the coverage period.
This is a way to provide financial protection for loved ones and create financial stability in unexpected situations.
Have you protected your life?
Every human life is precious and irreplaceable. The unexpected loss of a loved one can have a devastating effect on the family, emotionally and financially. A primary reason to have life insurance is to protect your family against the financial problems that are associated with the premature death of a loved one. These financial problems include unpaid medical bills, funeral expenses or any outstanding debts. The death benefit provided from the insurance company will help to cover these expensive costs. Life insurance helps to bring peace of mind to the family and loved ones of the deceased.
Why You Need Life Insurance
Life insurance , including term life insurance, offers various benefits for policyholders and their families. Before get a quote for life insurance, understanding some of the key benefits of life insurance is esstntial:
1. Protection from Disability Risk
Life insurance guarantees protection against the risk of disability, including partial and permanent total disability.
In this instance, life insurance policy provide financial support to overcome the challenges arising from the loss of work capacity
2. Financial Protection for Family or Heirs
Life insurance serves as a vital source of financial protection for the policyholder's family or heirs upon the policyholder's demise .
Thus, this benefit plays a role in alleviating the financial burden that may arise due to the departure of the policyholder, ensuring that loved ones are adequately supported during challenging times.
3. Providing Protection against Disaster Risk
Life insurance plays a crucial role in mitigating a wide range of risks that can threaten the life and well-being of the policyholder, such as accidents or serious illnesses.
Thus, life insurance not only provides financial protection in case of death, but also serves as a form of comprehensive protection against disaster risks which may occur during the policyholder's lifetime.
Sun Life Life Protection Products
Asuransi Sun Safety Life
Term life protection
Sun Proteksi Cermat
Term life protection
Period: 10 years
- Pay premium for 3 years, get protected for 10 years
- Return of premium benefit
- Death benefit
Sun Proteksi Pintar
Term life protection
period: 20 or 30 years
- Pay Premium 3 years
- Death benefit
- Guaranteed annual benefits
Sun Proteksi Jiwa
Term life protection
- Started with a price of cup of coffee.
- Choice of protection periods between 1, 10, or 20 years.
- Completed with additional critical illness insurance.
X-Tra-Proteksi-Cermat
CIMB Niaga
- Pay for 5 years, protected for 10 years.
- Gain 120% from total paid Premium if insured life up to the end of the Coverage.
- 100% Coverage or 110% of the policy redemption value (whichever higher).
Sun Proteksi Tepat
Term life protection
- Right Protection: Pay 5 years for 20 years coverage
- Right Benefit: Guaranteed return of protection
- Right Serenity: Death benefit up to 200% Sum Assured
X-Tra Proteksi Retirement
CIMB Niaga
- Life protection during productive and pension year.
- Guaranteed Cash Value with a total more than 252% Sum Assured*.
- Up to 140% of Additional Extra Cash Value**.
X-Tra Proteksi Cermat Saver
CIMB Niaga
- 120% Premium Refund Benefit.
- Protection up to 700% from Yearly Premium.
- Affordable Premium.
X-Tra Proteksi Tepat
CIMB Niaga
- Pay for 5 years, protected for 20 years.
- Guaranteed protection value refund at the end of the contract period.
- 200% death benefits of the insurance amount.
Asuransi Salam Hijrah Sejahtera
Sharia
- SAHAJA Give Convenience
- SAHAJA Give Advantages
- SAHAJA Give Return
X-Tra Proteksi Cermat USD
CIMB Niaga
- Pay for 5 years, protected for 10 years.
- 115% Refund from total paid Premium in the end of the insurance.
- Death benefits during the insurance period.
Asuransi X-Tra Plan Protection
CIMB Niaga
- Guaranteed Annual Policy Benefits totaling up to 140% of Total Premiums Paid.
- Death Benefit of up to 14 times the Annual Premium.
- No medical examination required for coverage up to IDR 2.5 Billion.
Complete your protection with the following riders
Sun Medical Platinum
Providing complete world-class health protection until 88 years old.
Sun Medical Platinum Syariah
Providing shariah-based, world-class complete health protection until 88 years old.
Sun Medical Executive
Health protection since early stage until 88 years old.
Sun Medical Executive Syariah
Shariah-based health protection since early stage until 88 years old.
Hospital Income & Surgical
Providing various benefits when you or your family must be hospitalized.
Critical Condition
Compensation in the amout of 100% of sum assured if the insured suffers from one of critical illnessess stated in the policy during the coverage period.
Sun Early Critical Illness
Providing protection for critical illness since early stage.
Sun Early Critical Illness Syariah
Providing shariah-based protection for critical illness since early stage.
Waiver of Premium – Critical Illness
Providing waiver of premium if you are diganosed with one of the critical illnessess stated in the policy.
Accidental Death Benefit
Compensation in the amount of 100% of sum assured if the insured dies due to accident during the coverage period.
Accidental Death & Dismemberment Benefit
Providing compensation to the insured in the case of injuries of death by accident.
Waiver of Premium – Total Disability Benefit
Providing waiver of premium if the policy holder suffers from total permanent disability for 6 consecutive months before reaching 60 years old.
Client Stories:
Nilawati
Jakarta
Nilawati is a wife, a mother of three, when suddenly unexpected things happen in her life. Turn her life upside down, but thankfully Sun Life helps navigates her life and protect her family. Check out Nilawati’s testimonial, as an inspiration for you and your loved ones to move forward confidently with a peace of mind!
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Why You Should Choose Sun Life
Sun Life, as the best life insurance company in Indonesia, provides a diverse range of life insurance protection products to meet specific needs of its customers. Whether you're looking for life insurance quotes, our wide selection of products caters to various preferences and requirements. Our protection products provide comprehensive benefits at affordable premiums. In addition to death protection, these products also provide premium return benefits, adding value by returning some or all of the premiums after the coverage period ends. Moreover, these protection products contribute to securing a prosperous retirement by providing sustainable financial security.
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