Lifeactive

Manulife Multigenerational Income Assurance Plus

PT Asuransi Jiwa Manulife Indonesia

Last seen

Sep 13, 2026

Currency

IDR

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Overview

Company site

Company

PT Asuransi Jiwa Manulife Indonesia

Currency

IDR

Insured object

life of Tertanggung (Insured Person)

Coverage period

120 years minus entry age of Tertanggung

Sum insured

Dana Mapan — a guaranteed amount determined by the base premium chosen, serving as the basis for Cash Payment Benefit, Total Cash Value, and End of Coverage Benefit

Research context

Pricing tier

premium

Premium range

Rp 120 juta - 500 juta per year depending on payment term

Target segment

individual high-net-worth families seeking multigenerational income and legacy planning

Distribution

AgencyBank

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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

Minimum Base Premium by Payment Term

Masa Pembayaran Premi (MPP)	Rupiah (Rp)	USD (US$)
Lump Sum	500,000,000	50,000
3 Years	200,000,000/year	20,000/year
5 Years	120,000,000/year	12,000/year

Dana Mapan Percentage by Payment Term and Premium Level

MPP	Minimum Base Premium	Maximum Base Premium	Dana Mapan
Lump Sum	Rp 500M / US$50K	< Rp 1B / US$70K	100% of lump sum premium
Lump Sum	Rp 1B / US$70K	< Rp 5B / US$350K	103% of lump sum premium
Lump Sum	Rp 5B / US$350K	≥ Rp 5B / US$350K	108% of lump sum premium
3 Years	Rp 200M / US$20K	< Rp 350M / US$24.5K	300% of annual base premium
3 Years	Rp 350M / US$24.5K	< Rp 2B / US$140K	309% of annual base premium
3 Years	Rp 2B / US$140K	≥ Rp 2B / US$140K	324% of annual base premium
5 Years	Rp 120M / US$12K	< Rp 175M / US$12.25K	500% of annual base premium
5 Years	Rp 175M / US$12.25K	< Rp 1B / US$70K	515% of annual base premium
5 Years	Rp 1B / US$70K	≥ Rp 1B / US$70K	540% of annual base premium

Pro-rata Dana Mapan Percentage by Policy Year of Death

Policy Year	Lump Sum MPP	3-Year MPP	5-Year MPP
1	100.00%	33.33%	20.00%
2	100.00%	66.67%	40.00%
3	100.00%	100.00%	60.00%
4	100.00%	100.00%	80.00%
5 and onwards	100.00%	100.00%	100.00%

Illustration: 45-year-old Male, Non-smoker, 75-Year Coverage, 3-Year MPP, USD, $300,000/year Premium

Policy Month End	Monthly Cash Payment	Monthly Additional Cash Payment (illustrative)	Total Monthly Benefit
49 to 108	$2,430.00	$81.00	$2,511.00
109 to End of Coverage	$405.00	$2,106.00	$2,511.00

Illustration: Pro-rata Cash Payment if Insured Dies During Premium Payment (3-Year MPP, USD Example)

Policy Year of Death	Payment Period	Monthly Cash Payment	Monthly Additional (illustrative)	Total Monthly Benefit
1	49-108	$809.92	$27.00	$836.92
1	109-End	$135.00	$701.92	$836.92
2	49-108	$1,620.08	$54.00	$1,674.08
2	109-End	$270.00	$1,404.08	$1,674.08
3	49-108	$2,430.00	$81.00	$2,511.00
3	109-End	$405.00	$2,106.00	$2,511.00

Illustration: End of Coverage Benefit & Pro-rata (3-Year MPP, USD Example)

Policy Year of Death	End of Coverage Year	Manfaat Akhir Masa Pertanggungan
1 (pro-rata)	Year 75	$492,405
2 (pro-rata)	Year 75	$984,957
3 (full)	Year 75	$1,477,362

Benefits

Accidental Death Benefit

100% of base premium (lump sum) or 100% annual base premium (periodic) before age 90; IDR 20M / USD 2,000 at age 90 and after; max IDR 7.5B / USD 750K across all Manulife policies

Maturity Benefit

Nilai Tunai + Tambahan Nilai Tunai (if any) at end of coverage; illustration shows USD 1,477,362 for 3-year MPP example

Survival Benefit

Monthly Cash Payment Benefit from Dana Mapan: IDR 5%/year (first phase) then 1.5%/year for IDR; USD 3%/year (first phase) then 0.5%/year for USD, paid monthly at 1/12 of annual rate

Waiver Of Premium Benefit

If Tertanggung dies by accident during MPP, future premiums are waived; if non-accidental death, policyholder may choose to waive and Dana Mapan is pro-rated

Key facts

policy loan

Max 80% of Total Cash Value, compound interest rate agreed at application

grace period

45 calendar days from premium due date

premium term

Lump sum, 3 years, or 5 years

product type

Whole Life

claim deadline

90 calendar days from date of death or end of coverage period

free look period

14 calendar days from policy receipt

entry age insured

30 days - 80 years

premium frequency

Annual

underwriting method

Guaranteed Issuance Offering (GIO) or Full Underwriting (if additional rider selected)

available currencies

IDR, USD

coverage period detail

120 tahun dikurangi Usia Masuk Tertanggung

entry age policyholder

minimum 21 years

policyholder replacement

Allowed with successor minimum age 21, insurable interest required

insured person replacement

Allowed up to 3 times during coverage period, with insurable interest requirement

Cash value

Has cash value

Yes

Cash value type

guaranteed

Description

Nilai Tunai is formed from base premium plus Tambahan Nilai Tunai (non-guaranteed surplus distribution) payable at end of coverage or upon policy surrender

Riders

Manfaat Tambahan

MiPayor Benefit Plus (PB)

Optional

Pembebasan Premi Pertanggungan Dasar apabila Pembayar Premi (Payor) meninggal dunia atau menderita Ketidakmampuan Total dan Tetap dikarenakan Penyakit atau Kecelakaan

Additional premium: Yes — charged alongside base premium (amount not specified)

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