Lifeactive

Asuransi Salam Anugerah Harapan

Sun Life Financial Indonesia

Last seen

Aug 14, 2026

Currency

IDR

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Overview

Company site

Company

Sun Life Financial Indonesia

Currency

IDR

Insured object

life of the insured person (Peserta)

Coverage period

10, 15, 20, or 25 years

Sum insured

Kontribusi Tahunan × Faktor Santunan Asuransi, with a maximum Santunan Asuransi of Rp2,000,000,000. The factor varies by plan and entry age (5x–60x annual contribution).

Research context

Pricing tier

standard

Premium range

Rp3.600.000 - minimal per year (10-year payment), Rp6.000.000 - minimal per year (5-year payment)

Target segment

individual families seeking Sharia-based endowment life insurance

Distribution

Agency

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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

Faktor Santunan Asuransi (Insurance Benefit Factor)

Plan	Usia Masuk 12-30	Usia Masuk 31-35	Usia Masuk 36-40	Usia Masuk 41-45	Usia Masuk 46-50	Usia Masuk 51-55
5P10	30	22.5	15	6.25	5	5
5P15	30	22.5	15	6.25	5	Not specified
5P20	30	22.5	15	6.25	Not specified	Not specified
10P15	60	45	30	12.5	10	Not specified
10P20	60	45	30	12.5	Not specified	Not specified
10P25	60	45	30	Not specified	Not specified	Not specified

Faktor Bonus (Maturity Bonus Factor)

Plan	Faktor Bonus
5P10	275%
5P15	275%
5P20	287,5%
10P15	700%
10P20	775%
10P25	875%

Tingkat Iuran Tabarru' per Plan

Plan	Tingkat Iuran Tabarru'
5P10	10%
5P15	12,5%
5P20	17,5%
10P15	15%
10P20	20%
10P25	25%

Ujrah Kontribusi per Plan

Plan	Ujrah Kontribusi (% Kontribusi)
5P10	50%
5P15	47,5%
5P20	45%
10P15	50%
10P20	47,5%
10P25	45%

Faktor Ujrah Penebusan Polis (Surrender Charge Factor)

Tahun Polis	Faktor (%)
1	30
2	20
3	10
4, dst	0

Faktor Pengali Kontribusi per Frekuensi Pembayaran

Frekuensi Pembayaran Kontribusi	Faktor (%)	Faktor Pengali
Bulanan	12	0.10417
Kuartalan	4	0.2968
Semesteran	2	0.5625
Tahunan	1	1

Simulasi Produk - Pria 38 tahun, Plan 5P10, Masa Asuransi 10 Tahun, Kontribusi Tahunan Rp12.000.000

Akhir Tahun Polis ke-	Usia	Kontribusi yang dibayarkan	Santunan Asuransi	Estimasi Nilai Tunai	Estimasi Nilai Penebusan Polis	Estimasi Manfaat Meninggal Dunia	Estimasi Manfaat Meninggal Dunia di Bulan Suci / Haji	Manfaat Hibah	Estimasi Manfaat Akhir Kontrak
1	39	12.000.000	180.000.000	5.042.792	3.529.954	185.042.792	365.042.792	-	-
2	40	12.000.000	180.000.000	10.314.245	8.251.396	190.314.245	370.314.245	-	-
3	41	12.000.000	180.000.000	15.824.729	14.242.256	195.824.729	375.824.729	-	-
4	42	12.000.000	180.000.000	21.585.082	21.585.082	201.585.082	381.585.082	-	-
5	43	12.000.000	180.000.000	27.606.634	27.606.634	207.606.634	387.606.634	-	-
6	44	-	180.000.000	28.858.437	28.858.437	208.858.437	388.858.437	-	-
7	45	-	180.000.000	30.167.002	30.167.002	210.167.002	390.167.002	-	-
8	46	-	180.000.000	31.534.903	31.534.903	211.534.903	391.534.903	-	-
9	47	-	180.000.000	32.964.831	32.964.831	212.964.831	392.964.831	-	-
10	48	-	180.000.000	34.459.598	34.459.598	214.459.598	392.459.598	33.000.000	67.459.598

Ilustrasi Pembatalan Polis pada Masa Mempelajari Polis (Free Look Cancellation)

Jenis Manfaat	Total Dana
Kontribusi yang telah dibayarkan	Rp12.000.000
Biaya Bea Materai, administrasi penerbitan dan pengiriman polis	(Rp250.000)
Biaya Pemeriksaan Kesehatan, survei, keuntungan/kerugian Nilai Tunai	-
Pengembalian Dana	Rp11.750.000

Ilustrasi Penebusan Polis Tahun ke-3

Jenis Manfaat	Tahun Polis ke-3	Besaran
Nilai Tunai	Not specified	Rp15.824.729
Kontribusi Tahunan	Rp12.000.000	Not specified
Ujrah Penebusan Polis	Rp12.000.000 x 10%	(Rp1.200.000)
Total Nilai Tunai yang dibayarkan	Not specified	Rp14.624.729

Benefits

Death Benefit

100% Santunan Asuransi + Nilai Tunai (if any)

Maturity Benefit

Nilai Tunai + Manfaat Hibah (Faktor Bonus × Kontribusi Tahunan)

Cash Value Benefit

Nilai Tunai formed from contribution allocation minus Ujrah and Iuran Tabarru'

Additional Death Benefit

Rp10.000.000 (Manfaat Tambahan Santunan Meninggal Dunia)

Key facts

plans

5P10, 5P15, 5P20, 10P15, 10P20, 10P25

currency

IDR

akad types

Hibah Mu'allaqah bi al-Syarth, Tabarru', Wakalah Bil Ujrah

product type

endowment

sharia basis

Yes

claim deadline

90 calendar days from date of death

max sum insured

Rp2.000.000.000

free look period

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

entry age insured

12-55 years (depending on term)

takaful contracts

Tabarru' allocation = Iuran Tabarru' taken monthly during contribution period

death benefit hajj

200% Santunan Asuransi + Nilai Tunai (if death during Hajj pilgrimage)

underwriting method

SIO (Simplified Issue Offer)

policy reinstatement

Within 1 year of policy end date, insured max age 60, must pay outstanding contributions plus late fees

surplus underwriting

Policyholder entitled to 50%, Pengelola 40%, Dana Tabarru' 10% (min 12 months policy, no claims, all contributions paid)

ujrah policy printing

Rp150.000 for hardcopy policy

claim payment deadline

30 calendar days after claim approved

Cash value

Has cash value

Yes

Cash value type

guaranteed_plus_investment_return

Description

Nilai Tunai = Alokasi Nilai Tunai × (1 + tingkat imbal hasil). Returns depend on investment performance managed by the company.

Riders

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

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