Insurance is the valuable ways to help you achieving your financial objectives. Whether your objective is to protect your loved ones, to save for a comfortable retirement or to invest so that you can buy that dream house or car, we have plans that can meet your varied needs. Start early to reap the full benefits of insurance.
Life insurance is an ideal solution to cover the possibility of financial problems because it not only gives you life insurance protection but provides a regular savings scheme as well. It is a systematic way of accumulating money that is then managed by professionals to be used for your specific financial purposes, and at the same time providing protection in the event of a calamity which may jeopardize that plan.
Financial planning is made so much easier with life insurance, because it can help grow the amount of money that you have saved. You will then be able to proceed with getting the good things you've always wanted out of life such as: good education for your children, setting aside funds for their wedding or retiring in comfort.
PRUlink assurance account (PAA) is a regular premium unit linked product that offers you a range of investment funds choices. It offers flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalization, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to:
PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.
PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.
PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate
PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.
PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor preferring stable investment gains and in a condition to sustain low to moderate investment risks.
PRUlink syariah assurance account (PAA Syariah) is a regular contribution unit linked product that offers you a range of syariah investment funds choices. PRUlink syariah assurance account offers flexibility, enabling you to change the level of sum assured, contribution and the mode of payment according to your needs. You can also add optional insurance riders such as hospitalization, accident or critical illness coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 investment funds options, with the flexibility to change it anytime you want to:
- Savings
- Protection
- Investment
Life insurance is an ideal solution to cover the possibility of financial problems because it not only gives you life insurance protection but provides a regular savings scheme as well. It is a systematic way of accumulating money that is then managed by professionals to be used for your specific financial purposes, and at the same time providing protection in the event of a calamity which may jeopardize that plan.
Financial planning is made so much easier with life insurance, because it can help grow the amount of money that you have saved. You will then be able to proceed with getting the good things you've always wanted out of life such as: good education for your children, setting aside funds for their wedding or retiring in comfort.
PRUlink assurance account (PAA) is a regular premium unit linked product that offers you a range of investment funds choices. It offers flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalization, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to:
- PRUlink Rupiah Managed Fund
- PRUlink Rupiah Managed Fund plus
- PRUlink USD Fixed Income Fund
- PRUlink Rupiah Equity Fund
- PRUlink Rupiah Fixed Income Fund
- PRUlink Rupiah Cash Fund
PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.
PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.
PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate
PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.
PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor preferring stable investment gains and in a condition to sustain low to moderate investment risks.
PRUlink syariah assurance account (PAA Syariah) is a regular contribution unit linked product that offers you a range of syariah investment funds choices. PRUlink syariah assurance account offers flexibility, enabling you to change the level of sum assured, contribution and the mode of payment according to your needs. You can also add optional insurance riders such as hospitalization, accident or critical illness coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 investment funds options, with the flexibility to change it anytime you want to:
- PRUlink Syariah Rupiah Managed Fund
- PRUlink Syariah Rupiah Equity Fund
- PRUlink Syariah Rupiah Cash & Bond Fund
PRUlink Syariah Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in syariah and quality stocks listed on Jakarta Stock Exchange (BEJ). This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks.
PRUlink Syariah Rupiah Cash & Bond Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using syariah money market and syariah fixed income instruments such as syariah bonds and other syariah fixed income instruments in the capital market. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of medium to long-term returns and in a condition to sustain moderate to low investment risks.
Protection Products
Owning a life insurance policy means that you have protected yourself - and your family - financially against unexpected events and hardships such as disability, unemployment or bereavement of a loved one. You don't need to worry any longer about those risks once your life insurance policy is in your hands, because from that moment on you are financially secured. This is how you can benefit financially from life insurance:
- A disability supplementary feature will look after you financially if you lose the ability to earn a living in the event of an accident
- A crisis cover plan will lift off the burdens of worrying about medical bills in the unfortunate event of a serious illness
- A hospitalization scheme helps you to cover the hospitalization expenses
- A basic life insurance program means that your loved ones will be able to face a future without immediate financial worries
- PRUlink Rupiah Managed Fund
- PRUlink Rupiah Managed Fund plus
- PRUlink USD Fixed Income Fund
- PRUlink Rupiah Equity Fund
- PRUlink Rupiah Fixed Income Fund
- PRUlink Rupiah Cash Fund
PRUlink syariah assurance account (PAA Syariah) is a regular contribution unit linked product that offers you a range of syariah investment funds choices:
1. PRUlink Syariah Rupiah Managed Fund
2. PRUlink Syariah Rupiah Equity Fund
3. PRUlink Syariah Rupiah Cash & Bond Fund
PRUhospital care is a health insurance products that gives Daily Benefit if the beneficairy is hospitalized, admitted in Intensive care Unit (ICU), Surgery Benefit and Hospitalization due to accident during traveling abroad.
PRUaccident plus offers you the simplest way to join an accidental insurance without the obligation to firstly buy another life insurance program. Now, with PRUaccident plus you have the freedom to only buy accidental insurance. As such, this will help you to minimize amount of premium that you have to pay. Surely, by having this insurance you will get a comprehensive coverage on accident that may cause you to suffer disability or even die. Indeed, the program gives you the benefit to get sum assured bonus in the first three year of your joining and yearly automatically policy renewal.
PRUprotector plan is designed to ensure you and your family is secured financially together from unexpected conditions that could happen any time in your life. It will not limit to that. As a combination of life insurance program and savings, PRUprotector plan will always ready to provide fresh fund for you and the family in case needed since the value of your savings will continue to increase along your joining. The most interesting thing of this program is the payment term. You only need to pay premium for 10 years while the life protection will continue on until the next 10 years.
Investment Products
There is another major aspect to life insurance besides providing you with financial protection: it can also help your savings grow. You can get returns from a life insurance policy in different ways. Some examples are:
- A participating with profits programs; where you share in the profits made by the life insurers. Thus profits returned to you are in the form of regular bonuses. You can withdraw them immediately, or leave your bonuses intact in the policy. And the longer they are left intact, the more you will gain as your bonuses attract higher returns. Whole life and endowment programs usually are participating with profits programs.
- An Investment Linked program; where you decide how you want your premiums invested and therefore you will get better control over your funds. Consequently, your gains depend on the performance of the investment choices that you make. If you decide to purchase a PRUlink, policy, your funds will be managed professionally by PT Prudential Life Assurance with the support of Prudential Asset Management Singapore (PAMS).
PRUlink investment are specially selected investment funds to complement unit-linked products (PRUlink investor account, PRUlink investor account plus, PRUlink syariah investor account dan PRUlink syariah assurance account) managed by PT Prudential Life Assurance. Now, there are 6 PRUlink investment funds you can choose from or you can make combination:
- PRUlink Rupiah Managed Fund
- PRUlink Rupiah Managed Fund plus
- PRUlink USD Fixed Income Fund
- PRUlink Rupiah Equity Fund
- PRUlink Rupiah Fixed Income Fund
- PRUlink Rupiah Cash Fund
PRUlink Syariah Rupiah Managed Fund
PRUlink Syariah Rupiah Equity Fund
PRUlink Syariah Rupiah Cash & Bond Fund
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