SIGNATURE LIFE ASSURANCE PLUS(SLA PLUS)

Exclusive Features for the Exclusive You¹

We understand that success person like you deserved to get the best experience in insurance. Signature Life Assurance Plus provides exclusive feature and services in order to support you to fulfill every financial priority and goals at every stage of your life.

Benefits of Signature Life Assurance Plus²

1. Death Benefit
   a. The higher of :
   • Insurance Value (which equals to Sum Assured less accumulated withdrawals from Basic Account Value, minus Basic Account Value); or
   • 5 (five) times of Annual Basic Premium.
   
   Plus
   b. Top-Up Sum Assured , if any: which equals to accumulated Top-up premiums less accumulated withdrawals from Top-up Account Value (if any), minus Top-up Account Value. If the calculation result is zero or negative then no Top-up Sum Assured shall be payable.
2. Investment Benefit
   Investment Benefit in the form of Account Value (if any), shall be payable if (whichever comes first):
   a. The Insured attains the age of 99 (ninety nine) years old and the policy is still valid; or
   b. The Insured dies and the policy is still valid; or
   c. The Policy is terminated

Series of Riders³

Signature Life Assurance Plus provides protection solution right when you need it the most. You have the opportunity to add Riders during the insurance period.

The Best Health Protection throughout Indonesia and Overseas

• Premier Hospital & Surgical (IDR), worldwide comprehensive health insurance with Inpatient Benefits, including cashless facility at the counterparty hospital in Indonesia, Malaysia, and Singapore with the benefit limit up to IDR10 Billion per year until 80 years old.
• Hospital & Surgical Plus (IDR), comprehensive health insurance protection with cashless facility at the counterparty hospital in Indonesia with the benefit limit up to IDR1 Billion per year until 75 years old.
• Premier Hospital and Surgical Extra (IDR), Worldwide comprehensive health insurance with Inpatient Benefits (1 bedroom and 1 bathroom) with protection value up to IDR20 Billion per year and booster up to IDR45 Billion until 99 years old.
  Click here for benefit details.

Earlier Protection of Critical Illness

• Severity Critical Illness (IDR), insurance protection toward Critical Illness since the early stage with the Claim Value of Critical Illness up to 200% Protection Money of Critical Illness with the protection until 80 years old.
• Multiple Critical Illnesses (IDR), insurance protection towards Critical Illness up to 3 kinds of Critical Illness including 2 times diagnosed by cancer with the protection until 80 years old.
• CI (IDR & USD), CI 33 (IDR), and CI 7 (IDR), insurance protection toward Critical Illness with the protection until 80 years old.

Comprehensive Protection of Total Permanent Disability

• Personal Accident (IDR & USD), insurance protection if the Insured suffers from Permanent Disability or dies due to accident.
• Waiver of Premium and Spouse Waiver (IDR & USD), insurance protection which provides Premium waiver if the insured suffers from Total Permanent Disability or diagnosed by Critical Illness.

Investment Fund Options:

Investment Type	Investment Strategy & Risk Class
IDR Prime Equity Fund	Investment on mutual fund with relatively high risk tolerance to achieve optimum long-term growth rate.
IDR Prime Fixed Income Fund	Investment on IDR fixed income instruments with moderate risk tolerance to achieve attractive growth rate.
IDR Equity Fund	Investment on stock in the Indonesia Stock Exchange that give you relatively high growth with relatively high risk.
IDR Balanced Fund	Strategic investment on selected stocks with relatively high risk level and on fixed income securities with medium risk tolerance to achieve optimum growth rate.
USD Fixed Income Fund	Investment on USD fixed income instruments with moderate risk tolerance to achieve attractive growth rate.
USD Prime Global Equity Fund	Investing in US Dollar with diversified placement widely in various countries both developed and emerging countries with relatively high risk level to obtain optimal long-term growth rate.
USD Prime Emerging Market Equity Fund	Investment in US Dollar with a widely diversified placement in various developing countries with a relatively high level of risk to obtain optimal long-term growth rates.
USD Prime Multi Asset Income Fund	Investments in US Dollars through the selection of multi-asset mutual funds listed on global stock exchanges and have a diversified investment in a variety of assets such as debt securities, shares, infrastructure assets, Collateralized Loan Obligations (CLOs), Real Estate Investment Trust (REIT), Catastrophe Bonds (CAT bonds), and / or equity hedges that are marketed in the United States, Canada, Europe, Asia, the United Kingdom and / or developing countries with medium risk levels to obtain a sustainable growth rate.
USD Prime Greater China Equity Fund	Investments in US Dollars which aim to provide long-term investment growth with a relatively high level of risk through diversification in equity funds and equity-related securities from companies originating from China, Hong Kong SAR and Taiwan.

Currency:

Rupiah (IDR) and US Dollar (USD)

Entry Age

Insured Entry Age	Entry Age of Policy holder
18 – 70 years old	Minimum 18 years old

Coverage Period

Up to Insured attains age 99 years old

Premium Payment Period:

1. Whole life (up to 99 y.o)
2. 10 years

Basic Premium:

Premium Payment Period	Minimum Premium Payment
	IDR	US Dollar
Annually	60.000.000	6.000

Minimum Sum Assured :

Age (years old)	Rupiah	US Dollar
18 - 70	2.000.000.000	240.000

Minimum Top-Up Premium :

Rupiah	USD
1.000.000	100

Loyalty Bonus :

Minimum Annual Basic Premium	Loyalty Bonus (% of Annual Basic Premium)
< IDR 300 Million / < USD 30,000	50%
≥ IDR 300 Million / ≥ USD 30,000	100%

The following conditions need to be fulfilled:
1. The Basic Premium have been fully paid up to the 10th Premium Year; and
2. Accumulated withdrawals from Basic Premium Account Value is not more than 2 times of the annual Basic Premium.

Charges⁴:

• Acquisition Cost:

  1st Policy Year	50% Annual Basic Premium
  2nd Policy Year onwards	0% Annual Basic Premium

• Top Up Fee: 3% from Top Up Premium

• Investment Management Fee :Depend on the investment type chosen

• Cost of Insurance :
  Charged monthly calculated by age, gender, Top-Up Sum Assured (if any), Smoking Status, and Insurance Value during the Insurance Period.

• Administration fee:

  Rupiah	USD
  35.000	5

• Policy Maintenance Fee

  Policy Currency	Policy Maintenance Fee from Basic Premium Account Value
  Rupiah	3.5%
  US Dollar	3.0%

• Policy Surrender Charge

  Policy Year	1	2	3	4	5	6	7	8 Onwards
  Policy Surrender Charge (% Basic Premium Account Value)	65%	50%	40%	30%	20%	10%	5%	0%

• Free Switching Fee for 5 Switching transactions every year.
• Automatic Premium Holiday Fee will be charged in accordance with the Policy payment period as specified in the provision.

Get It Now!

You just have to come to our branch to get further details about Signature Life Assurance Plus.
Product Summary

Free-Look Period

Free Look Period is 30 calendar days after Policy Effective Date. If the policy is cancelled within Free Look Period by Policy Holder, then PT AIA Financial will return the Premium after deducted with Free Look Administration Cost (including policy issuance cost & medical check up charges, if applicable) at the latest 15 working days since the cancellation request form is received by PT AIA Financial