The best and most trusted life insurance this year

Examples of life insurance with various types from various insurance companies in Indonesia can be a choice consideration for you.

You can adjust all that according to your current needs and financial capabilities. For example, at Lifepal, which is known to provide life insurance products with several package options.

In this online insurance marketplace company in Indonesia, life insurance is available that covers 6 months of salary, 1 year of salary, and up to 2 years of salary!

On the other hand, the amount of insurance coverage received by the heirs will also determine the amount of premium that must be determined. Another factor that affects the nominal premium, of course, is age.

So, what are the best examples of life insurance in Indonesia today? Here's the review, as summarized from Lifepal.

Types of Life Insurance

1. Term Life Insurance

This is a type of insurance that offers a protection program for a certain period of time. The insurance period is usually 5, 10, or 15 years. The term life type of life insurance benefits can only be given if the insured dies at a predetermined time or dies when the insurance policy is still valid.

Regarding the benefits, you can determine the premium amount according to your ability. However, the drawback is that the premium will be forfeited if there is no claim until the end of the policy.

2. Whole Life Insurance

This next type will provide insurance benefits for life and contain an element of savings. Although it is called whole life insurance, usually insurance companies will limit the protection benefits to the age of 100 years.

The advantage is that it has cash benefits that can be disbursed when the insurance period runs out. However, the premium costs are usually more expensive than term life—in fact, it can be up to twice as much.

3. Unit-linked life insurance

This is a type of insurance that offers insurance protection as well as investment benefits. With this insurance, insurance policy holders can receive a return benefit from a portion of the money allocated to investment instruments.

The investment returns from unit link insurance itself are actually planned to cover insurance costs if the insured is unable to pay the premium. In a sense, in this type of insurance, the term premium leave is known.

4. Dual life insurance

This next type is a life insurance protection product which includes additional benefits in the form of savings. When customers pay premiums, the money will be allocated to pay for insurance benefits and for savings.

The Best Life Insurance Examples in Indonesia 2022

Below are some life insurance options from the best insurance companies in Indonesia.

1. Allianz

Allianz Life is known to have three life insurance products with different benefits. In this case, some are combined with investment products, and some even provide additional protection in the form of protection from 49 kinds of diseases.

Not only that, Allianz life insurance will also provide compensation for death due to accidents as well as premium exemption if the participant is critically ill or even dies.

2. Prudential

This insurance company is well known as a health insurance provider. However, the life insurance product is also quite interesting.

This is because the sum insured on this insurance product reaches Rp. 2 billion. The advantage is that Prudential Indonesia provides quite affordable premiums starting from Rp. 200 thousand per month.

Thus, to get the protection and benefits provided by this global insurance company from the UK, you will not feel burdened when setting aside income.

3. Cigna

Almost three decades old, Cigna is also known to have some of the best life insurance products. Cigna itself is one of the leading insurance companies in the United States.

Cigna life insurance products are also offered with low premiums, starting from Rp. 200 thousand per month.

In addition, the choice of the sum insured also varies, which is between Rp. 150 million, Rp. 500 million, to Rp. 1 billion.

4. Sequislife

Not only has health insurance, Sequis Life also has life insurance, which can also be used as an example of life insurance in Indonesia which is widely recommended.

Life insurance products from Sequislife, including Q Smart Life, Q Smart Life New Gen Insurance, and Financial Smart Life. For information, a number of insurance products have low premiums, starting from Rp. 33 thousand per month.

Meanwhile, the choice of the sum insured starts from Rp. 50 million, Rp. 100 million, to Rp. 300 million.

5. Sinarmas Life Insurance

This big player in the general insurance sector in Indonesia is also included in the ecosystem of providing life insurance products with affordable premiums.

One of the insurance companies from the Sinarmas group is known as Sinarmas MSIG Life.

6. BCA Life Insurance

Having the largest bank network in Indonesia with millions of customers, BCA Life is also one of the life insurance companies that provides more benefits, by providing life insurance products of choice for its customers.

The amount of the premium also varies, starting from Rp. 200 thousand per month, with the sum insured up to Rp. 1 billion.

7. BNI Life Insurance

This state-owned insurance company is also known to have very attractive life insurance products. One of its superior products, namely BNI Life Plan Multi Protection, with premiums starting from Rp. 100 thousand per month.

Not only providing life protection, the products offered by BNI Life also offer an optimal investment value.

If needed, you can also add investment funds so that you will get maximum profits.

Considerations in Choosing the Right Life Insurance

In addition, in determining the right life insurance, you can consider the following:

– The cost of insurance premiums: adjust to your financial capacity

– Refund of premiums: suitable for those of you who buy life insurance at a young age

– Coverage benefits

– Insurance period

– Ease of life insurance claims

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