Lifeactive

Asuransi Salam Hijrah Arafah 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 (Peserta) with Hajj-specific death coverage

Coverage period

10 years

Sum insured

Santunan Asuransi (SA) is a fixed amount determined at policy issuance; multiplied by percentage for different death scenarios

Research context

Pricing tier

standard

Premium range

USD 2,800 - 3,200+ per year (regular contribution)

Target segment

Individuals planning Hajj pilgrimage with USD savings

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

Product Simulation - Male, 40 years old, KAB USD 3,200/year, no top-up, 100% Salam Pendapatan Tetap USD Syariah

Year	Age	Regular Contribution	Top-Up	Withdrawal	Total Fees	Bonus Contribution	Investment Value (Negative)	Investment Value (Zero)	Investment Value (Positive)	Surrender Value (Negative)	Surrender Value (Zero)	Surrender Value (Positive)
1	41	3,200.00	-	-	1,080.78	-	2,097.47	2,119.22	2,179.03	-	-	-
2	42	3,200.00	-	-	765.59	-	4,483.06	4,553.63	4,750.00	1,283.06	1,353.63	1,550.00
3	43	3,200.00	-	-	610.19	-	6,999.35	7,143.44	7,549.39	3,799.35	3,943.44	4,349.39
4	44	3,200.00	-	-	455.22	-	9,644.61	9,888.22	10,583.02	6,444.61	6,688.22	7,383.02
5	45	3,200.00	-	-	141.13	-	12,575.80	12,947.09	14,018.84	9,375.80	9,747.09	10,818.84
6	46	-	-	-	148.34	-	12,302.51	12,798.75	14,253.81	12,302.51	12,798.75	14,253.81
7	47	-	-	4,000.00	156.88	-	8,023.46	8,641.88	10,486.59	8,023.46	8,641.88	10,486.59
8	48	-	-	-	166.72	-	7,777.41	8,475.16	10,605.78	7,777.41	8,475.16	10,605.78
9	49	-	-	-	177.88	-	7,522.72	8,297.28	10,716.92	7,522.72	8,297.28	10,716.92
10	50	-	-	-	190.34	2,880.00	10,138.19	10,986.94	13,698.47	10,138.19	10,986.94	13,698.47

Death Benefit Illustration at Year 6 (Age 46)

Benefit Type	Calculation	Total
Death Benefit (Non-Accident)	100% × USD 17,500	USD 17,500.00
Investment Value	Not specified	USD 14,253.81
Total Death Benefit	Not specified	USD 31,753.81

Accidental Death Benefit Illustration at Year 6 (Age 46)

Benefit Type	Calculation	Total
Accidental Death Benefit	200% × USD 17,500	USD 35,000.00
Investment Value	Not specified	USD 14,253.81
Total Accidental Death Benefit	Not specified	USD 49,253.81

Death During Hajj Illustration at Year 6 (Age 46)

Benefit Type	Calculation	Total
Death During Hajj Benefit	200% × USD 17,500	USD 35,000.00
Investment Value	Not specified	USD 14,253.81
Total Hajj Death Benefit	Not specified	USD 49,253.81

Accidental Death During Hajj Illustration at Year 6 (Age 46)

Benefit Type	Calculation	Total
Accidental Death During Hajj Benefit	300% × USD 17,500	USD 52,500.00
Investment Value	Not specified	USD 14,253.81
Total Hajj Accidental Death Benefit	Not specified	USD 66,753.81

Partial Withdrawal at Year 7 (Age 47)

Item	Amount
Investment Fund Value	USD 14,486.59
Withdrawal Amount	USD 4,000.00
Withdrawal Fee	(USD 4,000) × USD 3,200 × 0% = 0
Net Amount Received	USD 4,000.00

Surrender at Year 3 (Age 43)

Item	Amount
Investment Fund Value	USD 7,549.39
Surrender Fee (Year-1 KAB × 100%)	(USD 3,200.00)
Net Surrender Value Received	USD 4,349.39

Maturity Benefit at Year 10 (Age 50)

Item	Amount
Bonus Contribution (90% × USD 3,200)	USD 2,880.00
Investment Value	USD 10,818.47
Total Maturity Benefit	USD 13,698.47

Free-Look Cancellation Refund

Item	Amount
Contributions Paid	USD 3,200.00
Stamp Duty & Admin Fees	(USD 17.00)
Health Exam & Survey Costs	-
Refund Amount	USD 3,183.00

Benefits

Death Benefit

100% Santunan Asuransi + Investment Value

Accidental Death Benefit

200% Santunan Asuransi + Investment Value

Maturity Benefit

Bonus Kontribusi (90% of Year-1 KAB) + 100% Investment Value if insured survives to end of term

Survival Benefit

Investment fund value accessible via partial withdrawal or surrender

Hajj Death Benefit

200% Santunan Asuransi + Investment Value (death while performing Hajj)

Hajj Accidental Death Benefit

300% Santunan Asuransi + Investment Value (accidental death while performing Hajj)

Key facts

akad types

Hibah Muallaqah Bi Al Syarth, tabarru, Wakalah Bil Ujrah

is syariah

Yes

grace period

60 days

premium term

5 years

product type

Unit Link

fee structure / admin fee

USD 6/month

fee structure / top up fee

5% per top-up payment

fee structure / periodic fee

Year 2-4 monthly deduction from investment value

fee structure / custodian fee

included in investment management fee

fee structure / acquisition fee

30% of Year-1 KAB (Year 1 only)

fee structure / investment management fee

max 1.25%/year

fee structure / insurance contribution split

Tabarru' 75% + Ujrah Pengelolaan Risiko 25%

claim deadline

90 calendar days since death

minimum top up

USD 150

investment fund

Salam Pendapatan Tetap USD Syariah (≥80% syariah bonds, ≤20% syariah money market)

free look period

14 days since policy received or 21 days since issuance (whichever is later)

Cash value

Has cash value

Yes

Cash value type

investment_value

Description

100% of investment fund value paid at death or policy maturity

Riders

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

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