Lifeactive

Asuransi Sun Prosperity Prime (Si Super)

Sun Life Financial Indonesia

Last seen

Aug 22, 2026

Currency

IDR

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Overview

Company site

Company

Sun Life Financial Indonesia

Currency

IDR

Insured object

Life of the insured person

Coverage period

20 years

Sum insured

25% of annual premium; maximum accumulation Rp1,500,000,000 / USD100,000 across all similar products

Research context

Pricing tier

standard

Premium range

Minimum Rp50,000,000 (IDR) or USD5,000 (USD) per year

Target segment

Individuals seeking short-to-medium term financial planning with life protection

Distribution

Bank

Full product profile

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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

Premium Frequency Multiplier

Premium Frequency	Factor x Monthly Premium
Annual	10
Semi-annual	5.2
Quarterly	2.7
Monthly	1

Annual Cash Benefit Schedule (% of Annual Premium)

Plan	Currency	Start Year	Initial Rate	Rate Changes	Final Rate Onwards
Super Start	Rupiah	Policy Year 1	4%	Year 2-5: 2%, Year 6 onwards: 0.75%	0.75%
Super Growth	Rupiah	Policy Year 6	10%	Year 7 onwards: 2%	2%
Super Start	US Dollar	Policy Year 1	2.25%	Year 2-5: 1%, Year 6 onwards: 0.5%	0.5%
Super Growth	US Dollar	Policy Year 6	5.5%	Year 7 onwards: 1.25%	1.25%

Death Benefit Factor During Premium Payment Period (Annual Frequency - First 60 Months)

Policy Year	Month	Annual	Semi-annual	Quarterly	Monthly
1	1	20%	10%	5%	1.67%
1	6	20%	10%	10%	10%
1	12	20%	20%	20%	20%
2	13	40%	30%	25%	21.67%
2	18	40%	30%	30%	30%
2	24	40%	40%	40%	40%
3	25	60%	50%	45%	41.67%
3	30	60%	50%	50%	50%
3	36	60%	60%	60%	60%
4	37	80%	70%	65%	61.67%
4	42	80%	70%	70%	70%
4	48	80%	80%	80%	80%
5	49	100%	90%	85%	81.67%
5	54	100%	90%	90%	90%
5	60	100%	100%	100%	100%

Simulation 1 - Jason, Male, 40 years old (USD, Super Start, Annual Premium USD15,000)

Policy Year	Age	Premium (USD)	Sum Insured (USD)	Annual Cash Benefit (USD)	End of Contract Benefit (USD)	Surrender Value (USD)
1	40	15,000	750	338	-	-
2	41	15,000	1,500	488	-	-
3	42	15,000	2,250	638	-	1,800
4	43	15,000	3,000	788	-	3,600
5	44	15,000	3,750	938	-	5,250
6	45	-	3,750	1,013	-	6,750
7	46	-	3,750	1,088	-	8,250
8	47	-	3,750	1,163	-	9,750
9	48	-	3,750	1,238	-	11,250
10	49	-	3,750	1,313	-	12,750
11	50	-	3,750	1,388	-	13,500
12	51	-	3,750	1,463	-	15,000
13	52	-	3,750	1,538	-	16,500
14	53	-	3,750	1,613	-	17,250
15	54	-	3,750	1,688	-	18,750
16	55	-	3,750	1,763	-	19,500
17	56	-	3,750	1,838	-	21,000
18	57	-	3,750	1,913	-	21,750
19	58	-	3,750	1,988	-	22,500
20	59	-	3,750	2,063	75,000	23,250

Simulation 1 - Accidental Death Benefit (USD, Super Start)

Policy Year	Age	Premium (USD)	Sum Insured (USD)	Annual Cash Benefit (USD)	End of Contract Benefit (USD)
1	40	15,000	1,500	675	-
2	41	15,000	3,000	975	-
3	42	15,000	4,500	1,275	-
4	43	15,000	6,000	1,575	-
5	44	15,000	7,500	1,875	-
6	45	-	7,500	2,025	-
7	46	-	7,500	2,175	-
8	47	-	7,500	2,325	-
9	48	-	7,500	2,475	-
10	49	-	7,500	2,625	-
11	50	-	7,500	2,775	-
12	51	-	7,500	2,925	-
13	52	-	7,500	3,075	-
14	53	-	7,500	3,225	-
15	54	-	7,500	3,375	-
16	55	-	7,500	3,525	-
17	56	-	7,500	3,675	-
18	57	-	7,500	3,825	-
19	58	-	7,500	3,975	-
20	59	-	7,500	4,125	150,000

Simulation 2 - Joshe Derfi, Male, 50 years old (IDR, Annual Premium Rp100,000,000)

Policy Year	Age	Premium (IDR)	Sum Insured (IDR)	Annual Cash Benefit (IDR)	End of Contract Benefit (IDR)	Surrender Value (IDR)
1	50	100,000,000	5,000,000	-	-	-
2	51	100,000,000	10,000,000	-	-	-
3	52	100,000,000	15,000,000	-	-	15,000,000
4	53	100,000,000	20,000,000	-	-	28,000,000
5	54	100,000,000	25,000,000	-	-	45,000,000
6	55	-	25,000,000	10,000,000	-	55,000,000
7	56	-	25,000,000	12,000,000	-	70,000,000
8	57	-	25,000,000	14,000,000	-	85,000,000
9	58	-	25,000,000	16,000,000	-	95,000,000
10	59	-	25,000,000	18,000,000	-	110,000,000
11	60	-	25,000,000	20,000,000	-	120,000,000
12	61	-	25,000,000	22,000,000	-	130,000,000
13	62	-	25,000,000	24,000,000	-	135,000,000
14	63	-	25,000,000	26,000,000	-	145,000,000
15	64	-	25,000,000	28,000,000	-	150,000,000
16	65	-	25,000,000	30,000,000	-	155,000,000
17	66	-	25,000,000	32,000,000	-	160,000,000
18	67	-	25,000,000	34,000,000	-	160,000,000
19	68	-	25,000,000	36,000,000	-	165,000,000
20	69	-	25,000,000	38,000,000	500,000,000	160,000,000

Simulation 2 - Accidental Death Benefit (IDR, Annual Premium Rp100,000,000)

Policy Year	Age	Premium (IDR)	Sum Insured (IDR)	Annual Cash Benefit (IDR)	End of Contract Benefit (IDR)
1	50	100,000,000	10,000,000	-	-
2	51	100,000,000	20,000,000	-	-
3	52	100,000,000	30,000,000	-	-
4	53	100,000,000	40,000,000	-	-
5	54	100,000,000	50,000,000	-	-
6	55	-	50,000,000	20,000,000	-
7	56	-	50,000,000	24,000,000	-
8	57	-	50,000,000	28,000,000	-
9	58	-	50,000,000	32,000,000	-
10	59	-	50,000,000	36,000,000	-
11	60	-	50,000,000	40,000,000	-
12	61	-	50,000,000	44,000,000	-
13	62	-	50,000,000	48,000,000	-
14	63	-	50,000,000	52,000,000	-
15	64	-	50,000,000	56,000,000	-
16	65	-	50,000,000	60,000,000	-
17	66	-	50,000,000	64,000,000	-
18	67	-	50,000,000	68,000,000	-
19	68	-	50,000,000	72,000,000	-
20	69	-	50,000,000	76,000,000	1,000,000,000

Benefits

Death Benefit

100% of Uang Pertanggungan

Accidental Death Benefit

200% of death benefit

Maturity Benefit

500% of annual premium paid at end of 20-year policy term

Survival Benefit

Annual cash benefit (Manfaat Tunai Tahunan) paid as percentage of annual premium

Cash Value Benefit

Guaranteed cash value available for policy surrender

Annual Cash Benefit

Percentage of annual premium, starting from policy year 1 (Super Start) or year 6 (Super Growth)

Death Benefit Benefit

100% of Uang Pertanggungan paid to beneficiary; remaining annual cash benefits and end-of-contract benefit also paid according to schedule

End Of Contract Benefit

500% of annual premium

Accidental Death Benefit Benefit

200% of standard death benefit amount

Key facts

plans

Super Start, Super Growth

company name

PT Sun Life Financial Indonesia

grace period

60 calendar days

insurer type

Individu Tradisional - Dwiguna

product name

Asuransi Sun Prosperity Prime (Si Super)

product type

endowment

claim deadline

90 calendar days from death

free look period

14 calendar days from policy receipt or 21 days from policy issuance, whichever is later

entry age insured

0 (30 days) - 80 years

polis printing fee

Rp150,000 for hardcopy policy

underwriting method

Guaranteed Issuance Offer (GIO)

available currencies

IDR, USD

contestability period

2 years from policy effective date or last reinstatement

coverage period years

claim payment timeline

Maximum 30 calendar days after claim approved

entry age policyholder

18-80 years

Cash value

Has cash value

Yes

Cash value type

guaranteed

Description

Guaranteed cash value available for policy surrender before policy end date

Riders

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

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