Lifeactive

X-Tra Proteksi Waris USD

Sun Life Financial Indonesia

Last seen

Aug 14, 2026

Currency

USD

AI-extracted product content. Review before use.

Overview

Company site

Company

Sun Life Financial Indonesia

Currency

USD

Insured object

Life of the insured person

Coverage period

Lifetime / Until insured reaches age 100

Sum insured

Minimum Uang Pertanggungan: Prime & Excellence USD 200,000; Signature USD 1,000,000. Determined based on annual premium chosen at submission.

Research context

Pricing tier

premium

Target segment

Individual high-net-worth families seeking lifetime USD-denominated protection with wealth transfer

Distribution

Bank

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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.

Product tables

Signature Plan - Death Benefit (Age 40, Male, USD 1,000,000 UP)

policy_year	age	annual_premium_usd	sum_assured_usd	terminal_bonus_low_usd	terminal_bonus_medium_usd	terminal_bonus_high_usd	death_benefit_low_usd	death_benefit_medium_usd	death_benefit_high_usd
1	41	92,560	1,700,000	-	-	-	1,700,000	1,700,000	1,700,000
2	42	92,560	1,700,000	-	-	-	1,700,000	1,700,000	1,700,000
3	43	92,560	1,700,000	-	-	-	1,700,000	1,700,000	1,700,000
4	44	92,560	1,700,000	-	-	-	1,700,000	1,700,000	1,700,000
5	45	92,560	1,700,000	-	-	-	1,700,000	1,700,000	1,700,000
6	46	-	1,700,000	-	13,772	14,531	1,700,000	1,713,772	1,714,531
7	47	-	1,700,000	-	14,907	16,045	1,700,000	1,714,907	1,716,045
8	48	-	1,700,000	-	16,124	17,706	1,700,000	1,716,124	1,717,706
9	49	-	1,700,000	-	17,433	19,533	1,700,000	1,717,433	1,719,533
10	50	-	1,700,000	-	18,840	21,540	1,700,000	1,718,840	1,721,540
11	51	-	1,700,000	-	20,350	23,746	1,700,000	1,720,350	1,723,746
15	55	-	1,700,000	-	27,545	34,922	1,700,000	1,727,545	1,734,922
20	60	-	1,700,000	-	39,841	56,259	1,700,000	1,739,841	1,756,259
25	65	-	1,700,000	-	57,317	90,613	1,700,000	1,757,317	1,790,613
30	70	-	1,850,000	-	81,778	146,339	1,850,000	1,931,778	1,996,339
35	75	-	2,000,000	-	115,772	238,703	2,000,000	2,115,772	2,238,703
40	80	-	2,150,000	-	162,648	397,269	2,150,000	2,312,648	2,547,269
45	85	-	2,300,000	-	225,715	686,976	2,300,000	2,525,715	2,986,976
50	90	-	2,450,000	-	313,167	1,301,663	2,450,000	2,763,167	3,751,663
55	95	-	2,600,000	-	473,212	2,399,077	2,600,000	3,073,212	4,999,077
60	100	-	2,750,000	-	921,741	6,264,396	2,750,000	3,671,741	9,014,396

Signature Plan - Surrender Benefit (Age 40, Male, USD 1,000,000 UP)

policy_year	age	annual_premium_usd	cash_value_usd	terminal_bonus_medium_usd	surrender_benefit_medium_usd
4	44	92,560	16,801	-	16,801
5	45	92,560	17,663	-	17,663
6	46	-	18,568	6,651	25,220
7	47	-	19,520	7,224	26,745
8	48	-	20,521	7,841	28,363
10	50	-	22,679	9,226	31,905
15	55	-	29,121	13,725	42,846
20	60	-	37,392	20,199	57,591
25	65	-	48,012	29,568	77,581
30	70	-	61,649	42,926	104,575
35	75	-	79,159	61,834	140,993
40	80	-	101,642	88,392	190,034
45	85	-	130,511	124,814	255,326
50	90	-	167,580	176,205	343,785
55	95	-	215,177	270,919	486,096
60	100	-	1,000,000	599,132	1,599,132

Excellence Plan - Death Benefit (Age 40, Male, USD 200,000 UP, Single Premium)

policy_year	age	annual_premium_usd	sum_assured_usd	longevity_reward_usd	terminal_bonus_medium_usd	death_benefit_medium_usd
1	41	82,536	200,000	-	-	200,000
2	42	-	200,000	-	613	200,613
3	43	-	202,000	-	806	202,806
5	45	-	204,000	-	1,259	205,259
10	50	-	208,000	-	2,884	210,884
15	55	-	214,000	-	5,492	219,492
20	60	-	218,000	-	9,601	227,601
25	65	-	224,000	40,000	14,669	238,669
30	70	-	228,000	-	31,219	259,219
35	75	-	234,000	-	47,309	281,309
40	80	-	238,000	-	70,225	308,225
45	85	-	244,000	-	101,060	345,060
50	90	-	248,000	-	139,881	387,881
55	95	-	254,000	-	189,175	443,175
60	100	-	258,000	-	241,645	499,645

Excellence Plan - Surrender Benefit (Age 40, Male, USD 200,000 UP, Single Premium)

policy_year	age	annual_premium_usd	cash_value_usd	terminal_bonus_medium_usd	surrender_benefit_medium_usd
1	41	82,536	57,775	-	57,775
2	42	-	58,600	257	58,857
3	43	-	59,426	339	59,764
4	44	-	60,251	430	60,681
5	45	-	61,076	533	61,609
8	48	-	63,553	914	64,466
10	50	-	65,203	1,242	66,445
15	55	-	69,330	2,406	71,736
20	60	-	73,576	4,281	77,857
25	65	-	83,372	6,656	90,028
30	70	-	94,473	16,232	110,706
35	75	-	107,052	25,031	132,084
40	80	-	121,306	37,811	159,117
45	85	-	137,458	55,372	192,830
50	90	-	155,760	77,993	233,753
55	95	-	176,499	107,336	283,835
60	100	-	200,000	136,702	336,702

Excellence Plan - End of Contract Benefit (Age 40, Male, USD 200,000 UP, Single Premium)

policy_year	age	sum_assured_usd	longevity_reward_usd	terminal_bonus_medium_usd	end_of_contract_benefit_medium_usd
60	100	258,000	-	246,478	504,478

Benefits

Cash Value Benefit

Guaranteed cash value (Nilai Tunai) payable upon surrender before policy end date

End Of Contract Benefit

100% of Sum Assured + Terminal Bonus (if any)

Claim Settlement Life Benefit

Maximum 7 working days

Key facts

plans

Prime, Signature, Excellence

insurer

PT Sun Life Financial Indonesia (Sun Life Indonesia)

rider note

Premium Waiver for Critical Illness is built into the base product for all plans (not a separate optional rider)

policy loan

Maximum 80% of Cash Value minus outstanding loans

bank partner

PT Bank CIMB Niaga, Tbk

grace period

60 calendar days

product type

Whole Life

reinstatement

Within 1 year from lapse, max age 71 (single premium) or 75 (5-year term)

free look period

14 calendar days from policy receipt or 21 calendar days from policy issuance (whichever later)

longevity reward

20% of Sum Assured at end of age 65 or policy year 20 (whichever later). Excellence plan only. Still payable even if premium waiver is claimed.

product category

Individu Tradisional - Seumur Hidup

auto premium loan

Available (not applicable for single premium payment term)

entry age insured

0 (3 days) - 70 years

death benefit prime

100% of Sum Assured + Terminal Bonus (if any)

claim deadline death

90 calendar days from date of death

coverage period detail

Seumur Hidup / Up to age 100

Cash value

Has cash value

Yes

Cash value type

guaranteed

Description

Not specified

Riders

No riders or add-ons were parsed for this product.

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