Lifeactive

Manulife Prestige

PT Asuransi Jiwa Manulife Indonesia

Last seen

Oct 2, 2026

Currency

IDR

AI-extracted product content. Review before use.

Overview

Company site

Company

PT Asuransi Jiwa Manulife Indonesia

Currency

IDR

Insured object

Life of the insured person (Tertanggung)

Coverage period

Until insured reaches 99 years old

Sum insured

Calculated as the greater of (i) basic policy value balance or (ii) total basic premium paid minus cumulative unit withdrawals from basic policy value. Minimum Rp600,000,000/US$60,000; maximum per underwriting decision.

Research context

Pricing tier

premium

Premium range

Minimum Rp120,000,000/US$12,000 annual basic premium

Target segment

Individuals and entities with high investable assets seeking long-term wealth accumulation with life protection

Distribution

Agency

Full product profile

Sign in to see the full product profile

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

Ilustrasi Manfaat Pertanggungan dan Proyeksi Nilai Polis

"Ilustrasi Manfaat Pertanggungan dan Proyeksi Nilai Polis"

Benefits

Death Benefit

Natural death benefit equals Nilai Pertanggungan plus any top-up policy value, calculated at the date of death

Accidental Death Benefit

5x annual basic premium (excluding additional premium), capped at Rp7,500,000,000/USD750,000 across all policies held with Manulife

Maturity Benefit

Policy value accumulated at the end of the coverage period (age 99)

Survival Benefit

Loyalty benefit paid as a percentage of annual basic premium, added to basic policy value in units

Funeral Benefit

5% of total basic premium paid

Key facts

exclusions

Self-inflicted injury within 2 years of policy issue/reinstatement, Participation in criminal acts, Execution of court-ordered death penalty, Murder by a policy beneficiary, War, military or police activities (unless extra premium paid), Strike, riot, rebellion, insurrection, Suicide or self-harm (conscious or unconscious), Alcohol, drugs, poison, gas ingestion, Sickness/infection unless caused by accident-related dismemberment, Dangerous sports/activities (scuba diving, aviation, explosives, racing, bungee jumping, mountaineering) unless extra premium paid, Aviation activities except as paying passenger on licensed commercial airline, Dangerous occupations (aircraft crew, car/motorcycle racing, diving, skydiving, boxing, horse riding) unless extra premium paid, Accidents occurring before coverage begins

grace period

45 calendar days from premium due date

premium term

5 years or 10 years

product type

Unit Link

claim deadline

90 days from date of death or end of coverage period

premium holiday

Available from policy year 8 onwards; charges 8% per annum of annual basic premium during holiday

free look period

14 calendar days from policy receipt date

entry age insured

Minimum 30 days, maximum 70 years

premium frequency

annual, Semi Annual, quarterly, monthly

product name full

Manulife Premier Target Savings Growth Assurance (Manulife Prestige)

no lapse guarantee

Policy remains active until loyalty benefit payment date if all premiums paid on time, no lapsed history, no premium holiday taken, no withdrawals, no premium reduction, no riders selected

withdrawal minimum

Rp10,000,000/USD1,000

switching fee after

Rp50,000/USD5 per transaction

available currencies

IDR, USD

underwriting methods

Guaranteed Issuance Offer (GIO): initial risk up to Rp1.5B/USD150,000, Simplified Issuance Offer (SIO): Rp1.5B-5B/USD150,000-500,000, Non-guaranteed acceptance (Full Underwriting): above Rp5B/USD500,000 or if selecting riders

coverage period detail

Until insured reaches 99 years old

Cash value

Has cash value

Yes

Cash value type

investment_value

Description

Policy value consists of units in selected investment funds, comprising basic premium policy value and top-up policy value. Value fluctuates with investment performance and is not guaranteed.

Riders

Manfaat Tambahan

Prestige Pay Protector

Optional

Waiver of basic premium if the Payor (premium payer) dies or suffers permanent total disability

Additional premium: Yes - charges reduce policy value; triggers full underwriting

Prestige Life Shield

Optional

Additional death benefit if insured dies from accident or natural causes until age 75, while policy is active

Additional premium: Yes - charges reduce policy value; triggers full underwriting

Competitor context

Smart Flexi Optima Link