Commercialactive

Sinarmas Pension Plan

MSIG Life Insurance Indonesia

Last seen

Oct 2, 2026

Currency

IDR

AI-extracted product content. Review before use.

Overview

Company site

Company

MSIG Life Insurance Indonesia

Currency

IDR

Insured object

Jiwa (life of the insured person)

Coverage period

20 tahun setelah Usia Pensilling yang dipilih

Sum insured

Not specified

Research context

Pricing tier

standard

Premium range

Rp 50.400.000/tahun (illustration example: age 35, 10-year payment, UP Rp 60 juta, retirement age 55)

Target segment

individual retirement planners (ages 18-55)

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

Simulasi Manfaat — Usia 35, Masa Pembayaran 10 Tahun, Usia Pensiun 55, UP Rp 60.000.000

Akhir Tahun Polis	Usia (Tahun)	Premi	Manfaat Meninggal	Manfaat Tunai Sekaligus & Berkala	Nilai Tunai
1	36	50.400	50.400	-	15.736
2	37	50.400	100.800	-	33.897
3	38	50.400	158.760	-	54.708
4	39	50.400	211.680	-	78.413
5	40	50.400	264.600	-	105.281
6	41	50.400	317.520	-	135.605
7	42	50.400	370.440	-	169.704
8	43	50.400	423.360	-	207.929
9	44	50.400	476.280	-	250.669
10	45	50.400	529.200	-	298.344
15	55	-	529.200	-	486.677
20	56	-	476.384	300.000	476.384
25	60	-	412.258	60.000	412.258
30	65	-	331.439	60.000	331.439
35	70	-	197.318	66.000	197.318
40	75	-	-	66.000	-

Skenario 1 — Manfaat Tunai Pensiun

Manfaat	Rincian
Manfaat Tunai Sekaligus (500% UP)	500% x Rp 60.000.000 = Rp 300.000.000
Manfaat Tunai Berkala Tahun ke-1 s/d ke-10 (100% UP)	100% x Rp 60.000.000 = Rp 60.000.000/tahun
Manfaat Tunai Berkala Tahun ke-11 s/d ke-20 (110% UP)	110% x Rp 60.000.000 = Rp 66.000.000/tahun

Skenario 4 — Manfaat Meninggal Dunia (setelah 2 tahun)

Komponen	Rincian
Total Premi Dibayarkan	10 x Rp 50.400.000 = Rp 504.000.000
105% Total Premi	Rp 529.200.000
Dikurangi Manfaat Tunai Terbayar	- Rp 300.000.000
Manfaat Meninggal Dunia Dibayarkan	Rp 229.200.000 (karena lebih besar dari Nilai Tunai Rp 464.745.600 — namun dokumen menyatakan yang dibayar Rp 464.745.600)

Benefits

Death Benefit

Within 2 years: 100% premiums paid; After 2 years: greater of 105% premiums paid minus benefits paid or cash value

Maturity Benefit

Polis berakhir 20 tahun setelah lump sum pension

Survival Benefit

500% UP lump sum at retirement age; then 100% UP annually years 1-10; 110% UP annually years 11-20

Cash Value Benefit

Guaranteed cash value payable on surrender or if higher than death benefit

Waiver Of Premium Benefit

Total permanent disability during premium payment period (180-day confirmation required)

Key facts

exclusions

Suicide within 2 years, Death from illegal acts or criminal conviction, HIV/AIDS related permanent disability, Drug/alcohol abuse, War, military operations, Pre-existing conditions (for waiver benefit)

grace period

30 hari kalender

premium term

5 tahun, 10 tahun

product type

endowment

underwriting

Guaranteed Issuance Offer

claim deadline

90 hari kalender sejak tertanggung meninggal

min sum insured

Rp 10.000.000 / USD 1.000