Flexible life protection tailored to your and your family’s needs, with coverage of up to 150% of the Sum Assured.
No product campaign
Flexible Protection for a Better-Planned Future
SunFlex Proteksi Future is a traditional combination endowment life insurance product that provides life protection through Death Benefit and Maturity Benefit, while offering flexibility in selecting the insurance plan, policy currency, premium payment term, and policy term to help you plan your family’s future with greater confidence. The product also offers an optional Payout Benefit and an optional Waiver of Premium Due to CI if the insured under this benefit is diagnosed with one of 77 critical illnesses, helping maintain a balance between protection and future planning.
Key benefits
FlexiGuard
FlexiGrowth
Flexibility to support your financial growth and future planning, with the following options:
- Insurance Plan: Basic Plan or Plus Plan
- Premium Payment Term: 5 or 10 years
- Policy Currency: Indonesian Rupiah or US Dollar
- Policy Term: 20 or 30 years
FlexiExtra
Added-value flexibility to help balance protection and future planning through Payout Benefit of up to 20% of the Sum Assured and the optional Sun Critical Care rider for critical illness.
Testimonials
Kiki, 30 Years Old – The Family Breadwinner Planning for Her Children’s Future
Kiki is a private-sector employee living in Jakarta with her husband and two young children. Much of her focus today is on preparing for her children’s education and helping them build a secure future. Although the family’s financial situation is stable, Kiki has started to think about what might happen if the unexpected were to occur.
She wanted a solution that could not only provide protection for her loved ones but also help keep her long-term family plans on track. After learning about SunFlex Proteksi Future, Kiki felt it matched her needs because it offers life protection while also providing benefits at the end of the policy term that can support future family goals.
Today, Kiki feels more confident and at ease in her daily life. She knows her family has financial protection against life’s uncertainties, while also having a source of funds that can help turn their future plans into reality.
Rahma, 45 Years Old – A Business Owner Seeking Balance Between Business and Family
Rahma has been running a family-owned culinary business for more than 15 years. The demands of managing her business often kept her focused on operational needs, leaving little time to think about her own financial protection. As she grows older, she realizes the importance of planning ahead so her family will have financial support if she is no longer able to work as actively as she does today.
Rahma was looking for a solution that was easy to understand and flexible enough to fit her financial situation. She chose SunFlex Proteksi Future because it allows her to select a premium payment option and coverage period that align with her life plans. She also appreciates that the policy can provide benefits at the end of the coverage term, making it feel like more than just protection, but also preparation for future goals.
With a more structured plan in place, Rahma can now focus on growing her business without constantly worrying about her family’s financial future.
Baskar, 55 Years Old – A Parent Starting to Plan for Retirement
After working for more than twenty years, Baskar has entered a new phase of life. His children are becoming increasingly independent, and he has started thinking about how to enjoy a comfortable retirement with his spouse. One of his main concerns is maintaining financial stability while still ensuring his family is protected if something unexpected happens.
He does not want to rely solely on his savings to prepare for life’s uncertainties. Instead, he was looking for a solution that could provide peace of mind while supporting his long-term financial plans. SunFlex Proteksi Future caught his attention because it combines life protection with benefits that can be received at the end of the policy term, making it a suitable choice for his retirement planning goals.
Today, Baskar feels more prepared for the future. He can enjoy quality time with his family with greater confidence, knowing he has both protection and a plan in place to support the lifestyle he envisions during retirement.
FAQ
1. Who is eligible to own SunFlex Proteksi Future?
- Policy Owner: 18-80 years
- Minimum: 0 (30 days)
Maximum:
Policy Term | Maximum Insured Age |
20 years (IDR) | 60 years |
30 years (IDR & US Dollar) | 50 years |
2. What insurance plans and policy terms are available under SunFlex Proteksi Future?
Plans | Policy Term | |
IDR | US Dollar | |
Basic | 20 or 30 years | 30 years |
Plus | ||
3. What premium payment terms are available under SunFlex Proteksi Future?
Currency | Premium Payment Terms | Policy Term | |
IDR | 5 years | 5P20 (SPF20) | 5P30 (SPF30) |
10 years | 10P30 (SPF30 Flex) | ||
US Dollar | 5 years | 5P30 (SPF30) | |
4. What currencies are available for SunFlex Proteksi Future?
IDR & US Dollar
5. What are the premium provisions for SunFlex Proteksi Future?
- Minimum premium:
• 5-years Premium Payment Term: IDR24,000,000 / USD3,000
• 10-years Premium Payment Term: IDR18,000,000
- Maximum premium: subject to underwriting approval.
- The Frequency of Contribution Payments available is Monthly / Quarterly / Semi-Annually / Yearly
Frequency of Premium Payments | Capital Factor x Monthly Premium |
Yearly | 10 |
Semi-Annually | 5,2 |
Quarterly | 2,7 |
Monthly | 1 |
6. What underwriting methods apply to SunFlex Proteksi Future?
Accumulated Sum Assured* | Underwriting Method |
Not exceeding IDR2,500,000,000 / USD250,000 per Insured | Simplified Issuance Offer (SIO) or Full Underwriting |
Exceeding IDR2,500,000,000 / USD250,000 per Insured | Full Underwriting |
*Accumulation is based on all products under the same underwriting method at Sun Life!
7. What Sum Assured is available under SunFlex Proteksi Future?
Minimum: IDR400,000,000 / USD30,000
Maximum: subject to underwriting approval
8. What are the premium provisions for SunFlex Proteksi Future?
- Premiums paid already include cost components and/or commissions paid by Sun Life Indonesia, as the insurance company, to its sales representatives.
- A policy printing fee of IDR150,000 applies if the Policy Owner requests a printed policy (hardcopy). These fees are subject to change according to the Insurer's policy.