Asuransi X-Tra Maxima Link Pro

Asuransi X-Tra Maxima Link Pro
Extra Protection, Maximum Benefit

As we get older, consumption level and life need also increase. Life risk such as financial risk and health risk also increase. Right preparation is needed so that financial target that planned can be fulfill.

Regarding financial targets, there are usually long-term targets and medium-term targets. Medium-term financial targets such as children's education funds and business capital. To ensure that the medium-term target is still achieved in the midst of uncertainty and risks to life, it is to have protection, especially at a productive age and have investments that suit your profile.

Asuransi X-Tra Maxima Link Pro is an insurance product with investment to help you achieve your various financial goals through life protection and investment growth.

Product Excellence

1. Having financial protection with ease

  - Minimum Premium starting from Rp18 million per year.*

-       Optional short Premium Paying Period between 3 or 5 years.

2. Equipped with Wealth Optimizer feature
     - Loyalty bonuses according to the selected plan.

     - Premium bonus from 6th Policy anniversary onwards based on JCI value*

      - Various investment fund selection to choose according to your risk profile.

3. Give Peace of Mind

  - Longer protection period between 15 or 20 years, according to Premium Paying Period.

   -  100% Sum Assured + Investment benefit (if any) for life coverage.

*Apply for Plan Max

Product Benefits

  • Death Benefit
    100% Sum Assured plus Investment benefit (if any) when there is death risk.
  • Investment Benefit
    Enjoy Investment Fund Value benefit on the end of Policy.
  • Bonus Benefit
    Premium Bonus*
    Premium Bonus is determined using the following multiplier:

a. In the event that there is increase in comparison of JCI Value in the year before the date of                                  awarding the 

Policy Anniversary Percentage from PAB 1st Year
1-5 0%
6+ 3%

b. In the event that there is decreases or does not change in comparison of JCI Value in the year before the date of awarding the Premium Bonus on the Policy Anniversary, then the Premium Bonus is calculated according to the following percentage:

Policy Anniversary Percentage from PAB 1st Year
1-5 0%
6+ 6%

*Apply for Plan Max

Loyalty Bonus

End of Policy Year Percentage from PAB 1st Year
Plan Basic
15+ 100%
Plan Max
15 40
20 40

Notes:

Premium bonus benefits can be given if the following conditions are met:

1. Policy still in force; and

2. Policy Owner doesn’t do partial withdraw the Investment Fund Values that cause Investment Fund Value less than five times Premi Asuransi Berkala in first Policy year; or

3. Policy Owner doesn’t do partial withdraw when Investment Fund Value formed is less than five times Premi Asuransi Berkala in first Policy year; or

4. Policy Owner doesn’t do surrender.

If Policy Owner do Top Up to increase Investment Fund Value back to 5 times Premi Asuransi Berkala first Policy year, after Investment Fund Value formed is less than five times Premi Asuransi Berkala first Policy year, Policy Owner still can’t receive Premium Bonus Benefits.

If Policy in lapse status, then Premium Bonus Benefit and Loyalty Benefit will be given after Policy reinstatement.

The determination of the value of the Premium Bonus will be carried out by the Insurer on the first working day of the week in January following the year of the JCI Value Comparison. Especially for policies issued in January or February, the determination of the value of the Premium bonus is calculated based on a comparison of the value of the JCI two years prior to the date of award of the Premium bonus on the anniversary of the Policy.

General Requirements

  • Entry Age
    - Policy Holder: 18-80 years old
    - Insured: 30 days-65 years old
  • Premium Paying Period
    - Plan Basic: 3 years
    - Plan Max: 5 yeras
  • Coverage Period
    - Plan Basic: 15 years
    - Plan Max: 20 years
  • CurrencyRupiah
    Rupiah

For detailed Product Information and/or Service Plan Basic, click here

For detailed Product Information and/or Service Plan Max, click here

Click here  for e-brochure plan Basic. Click here  for e-brochure plan Max.

Disclaimer: Asuransi X-Tra Maxima Link Pro is life insurance product with investment related (PAYDI) and subject to investment risk. Prior to purchasing PAYDI, the Applicant (Policyholder, Insured, and/or Participant) must read and understand the product information summary. Please note that past PAYDI investment performance is not indicative of future performance.