IFG Life Protection Platinum
Term life insurance product that provides death benefits due to accidents or non-accidents. With benefits of up to Rp5,000,000,000,-, IFG LifeCOVER provides flexibility for customers to determine the amount of insurance money and insurance period according to their needs.
IFG Life Protection Platinum is an insurance product of PT Asuransi Jiwa IFG Life, which is licensed and supervised by the Financial Services Authority. Therefore, IFG Life Protection Platinum product is NOT a Bank BTN product and Bank BTN is not responsible for the policy issued by PT Asuransi Jiwa IFG.
Benefits of Investment & Death
Payment of investment balance when withdrawal/cancellation occurs as well as giving 100% of the insurance money
Additional Insurance
Equipped with various critical illness/personal accident insurance as additional insurance (riders)
Benefits of Investment & Death
Payment of investment balance when withdrawal/cancellation occurs as well as giving 100% of the insurance money
Additional Insurance
Equipped with various critical illness/personal accident insurance as additional insurance (riders)
Insurance Information
Manfaat Asuransi
| Benefit | ||
|---|---|---|
| Investment Benefits | The Insurer will pay an amount of the investment value, if the Policyholder makes a partial withdrawal or full fund/policy redemption (surrender). | |
| The Insurer will pay the balance of the investment value after deducting fees (if any), if the Policy is declared void by the Insurer. | ||
| Death Benefits |
If the Insured dies during the Insurance Period and the claim decision is:
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| End-of-Life Benefits (Maturity) | If the Insured lives until the end of the Insurance Period, the Insurer will pay the lnvestment benefit in the form of the entire balance of the lnvestment value on the date of the end of the Insurance Period. | |
Spesifikasi Produk
Product Risk
- - The benefit value may increase or decrease
- - The benefit value related to the investment may be less than the total funds invested
- - Insurance benefits are not paid because the Insured dies caused by excluded incidents
- - The investment return value is not optimal if the payment is not made until the agreed period
- - Non-payment of Additional Insurance Benefits that are not guaranteed during the waiting period
Subfund investment performance is not guaranteed.
| Subdana | Risk |
|---|---|
| IFG Link Equity | High |
| IFG Link Balanced | Medium - High |
| IFG Link Fixed Income | Medium |
| IFG Link Money Market | Low |
Term & Condition
Life Insurance Requirement Documents
Prospective Policyholders and prospective Insured are required to fill out completely and correctly and sign the applicable Life Insurance Request Letter (SPAJ) form. SPAJ is equipped with:
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Photocopy of proof of identity from the Policy Holder
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Photocopy of the Insured's identity card
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Photocopy of birth certificate for Insured Persons under 77 years of age
Prospective Policyholders are required to sign the IFG Life Protection Platinum life insurance offer proposal.
Claim Submission
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Policyholders can change the composition of the type of investment allocation (subfund) by following the provisions and procedures set by the company.
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Transactions that change the composition of the allocation type are subject to a transaction fee if made more than 2 (two) times in l (one) policy year, which is 1% (one percent) for each transaction. The fee in question is used as a transaction fee.
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The Policyholder can transfer all investment funds from one type of investment (subfund) to another type of investment (subfund) by following the provisions and procedures set by the Insurer.
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Investment Fund transfer transactions are subject to a transaction fee if carried out more than 2 (two) times in the Policy year, which is 7% (one percent) for each transaction. The fee in question is used as a transaction fee.
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Switching fund fees. charged to the Policyholder through Unit deduction calculated based on the Unit Price on the nearest Business Day after the fund transfer transaction is submitted to the Insurer.
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The Policyholder can withdraw part of the investment value (withdrawal) or the entire investment/redemption value (surrender) in the Policy at any time.
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Upon Partial Withdrawal of the Withdrawal Value, the Policyholder is free to choose:
- In the form of Units; or
- Rupiah of which type of investment will be redeemed.
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The minimum withdrawal per transaction is IDR 1,000,000 (one million rupiah) or if in the form of Units is the number of Units equivalent to IDR 1,000,000 (one million rupiah).
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The balance of the investment value after the partial withdrawal of investment funds (withdrawal) is a minimum of IDR 2,000,000 (two million rupiah).
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If the withdrawal of all funds is surrendered. thus resulting in the Policy ending (void).
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Back-dating does not apply.
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Extra Premium terms apply for Sub-standard risk, subject to
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The maximum amount of Sum Assured is in accordance with the applicable Underwriting provisions.
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Policyholders can only choose a maximum of 2 types of investments
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The investment component in PAYDI involves risk.
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PAYDI's past investment performance does not reflect PAYDI's future investment performance.
How To Register
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1
Upload Data
Complete the data and document requirements on the IFG Life website or from the nearest BTN Branch Office.
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2
Check Statement
Ensure that the information, statements and notifications provided are the basis for the Policy and an integral part of the Policy.
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3
Registration Completed
The accuracy and completeness of the data entered is the responsibility of the Policy Holder and/or Insured.
Expiration of Insurance
IFG Life Protection Platinum insurance coverage will end automatically when one of the following occurs first.
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Basic Insurance ends immediately after the relevant application/claim is approved by the Insurer.
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Insurance ends if the Regular Premium is not paid within the first 2 (two) years from the Policy Effective Date.
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The insurance ends and the Policy is declared void if the existing Investment Value balance is insufficient to cover the Costs required to keep the Policy valid.
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Additional Insurance also ends with the end of Basic Insurance.
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As long as no events occur that accelerate the end of the Basic Insurance as specified in the Policy, the Basic Insurance ends on the end date of the Basic Insurance coverage.
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In the event that the Basic Insurance ends on the end date of the Basic Insurance coverage, the Insurer is not obliged to pay anything.
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As long as there are no events that accelerate the termination of an Additional Insurance as specified in the Policy, an Additional Insurance ends on the end date of the coverage of the Additional Insurance. In the event that an Additional Insurance ends on the end date of the coverage of the Additional Insurance in question, the Insurer is not obliged to pay anything;
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The Insurer is not obligated to pay anything other than the Investment Value, if any, calculated based on the Unit Price on the nearest Calculation Date after the end date of the Basic Insurance coverage. As long as there are no events that accelerate the end of an Additional Insurance as specified in the Policy, an Additional Insurance ends on the end date of the Additional Insurance coverage. In the event that an Additional Insurance ends on the End Date of the relevant Additional Insurance Coverage, the Insurer is not obligated to pay anything.
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As long as there are no events that accelerate the termination of an Additional Insurance as specified in the Policy, an Additional Insurance ends on the end date of the coverage of the Additional Insurance. In the event that an Additional Insurance ends on the end date of the coverage of the Additional Insurance in question, the Insurer is not obliged to pay anything;
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The Insurer is not obligated to pay anything other than the Investment Value, if any, calculated based on the Unit Price on the nearest Calculation Date after the end date of the Basic Insurance coverage. As long as there are no events that accelerate the end of an Additional Insurance as specified in the Policy, an Additional Insurance ends on the end date of the Additional Insurance coverage. In the event that an Additional Insurance ends on the End Date of the relevant Additional Insurance Coverage, the Insurer is not obligated to pay anything.
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The Policyholder and/or Insured fills out and signs completely and correctly the Policy reinstatement request letter and brief health information as well as the forms used for the purposes of Policy reinstatement, and
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The Insurer has the right to determine whether the Policy recovery requires a medical examination and to apply risk selection/underwriting or not. The costs incurred in the medical examination are fully borne by the Policyholder, and
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All costs incurred in connection with the reinstatement of the Policy are the responsibility and responsibility of the Policy Holder.
Illustration
Ilustrasi Manfaat
| Tuan A (36 tahun) membeli Polis IFG Life Protection Platinum sebagai berikut | ||
|---|---|---|
| Pemegang Polis | Tuan A | |
| Mulai Asuransi | 36 tahun | |
| Usia Masuk | 1 Mei 2022 | |
| Premi Reguler | Rp500.000,-/bulan | |
| Uang Asuransi | Rp100.000.000,- | |
Ilustrasi 1
Setelah Polis berjalan selama 5 tahun dengan pembayaran Premi yang lancar dan tepat waktu pada Laporan Nilai Tunai Polis per 01 Mei 2027, Tuan A memiliki jumlah Unit sebesar 6.836,4168.
Pada tanggal 16 Mei 2027 pagi hari, Tuan A mengajukan Penarikan Sebagian Dana investasi (withdrawal) sebesar Rp5.000.000,- dan langsung di proses pada tanggal tersebut.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2025 | S | Saldo | 10.356.755 | 2.326,7890 | 4.451,0933 |
| Saldo Akhir | 4.451,0933 | ||||
Dari saldo akhir Laporan Nilai Tunai Tuan A diketahui bahwa maksimum Penarikan Sebagian Dana Tunai yang dapat dilakukan oleh Tuan A adalah sebesar Rp16.641.466,- atau memenuhi minimal penarikan setara Rp1.000.000,- dan menyisakan minimum saldo investasi Rp2.000.000,-.
Setelah dilakukan, pembayaran atas Penarikan Sebagian Dana yang diajukan Tuan A yaitu sebesar Rp5.000.000,-, maka saldo Unit Tuan A.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2025 | S | Saldo | 10.356.755 | 2.326,7890 | 4.451,0936 |
| 05/05/2025 | R | Surrender | 10.361.252,01 | -4.451,0936 | 4.451,0933 |
| Saldo Akhir | 4.451,0933 | ||||
Ilustrasi 2
Setelah Polis berjalan selama 3 tahun dengan pembayaran Premi yang lancar dan tepat waktu pada Laporan Nilai Tunai Polis per 01 Mei 2025, Tuan A memiliki jumlah Unit 4.451,0933. Pada tanggal 04 Mei 2025, dikarenakan ada keperluan dana, maka Tuan A mengajukan Penarikan Seluruh Dananya karena waktu pengajuan telah melewati pukul 10.00 WIB sehingga akan diproses hari berikutnya menggunakan NAB tanggal 05 Mei 2025.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2025 | S | Saldo | 10.356.755 | 2.326,7890 | 4.451,0933 |
| Saldo Akhir | 4.451,0933 | ||||
Dari Saldo akhir Laporan Nilai Tunai Tuan A diketahui bahwa maksimum Penarikan Seluruh Dana yang dapat dilakukan oleh Tuan A adalah sebesar seluruh Unit yang dimiliki oleh Tuan A yang akan dihitung menggunakan NAB tanggal 05 Mei 2025 maka kepada Tuan A dibayarkan sebesar Rp. 10.361.252,01 dan pertanggungan berakhir.
Maka setelah dilakukan pembayaran atas Penarikan Sebagian Dana yang diajukan Tuan A yaitu sebesar Rp5.000.000 maka saldo Unit Tuan A.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2025 | S | Saldo | 10.356.755 | 2.326,7890 | 4.451,0936 |
| 05/05/2025 | R | Surrender | 10.361.252,01 | 2.327,7992 | -4.451,0936 |
| Saldo Akhir | 4.451,0933 | ||||
Ilustrasi 3
Setelah Polis berjalan selama 25 tahun dengan pembayaran Premi yang lancar dan tepat waktu pada Laporan Nilai Tunai Polis per 01 Mei 2047, Tuan A memiliki jumlah Unit sebesar 7.463,8984. Pada tanggal 05 Mei 2047, Tuan A melakukan Penarikan Seluruh Dananya (Surrender). Pengajuan diterima Penanggung pada pukul 09.00 WIB sehingga dapat diproses pada hari tersebut dengan menggunakan NAB tanggal 05 Mei 2047.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2047 | S | Saldo | 92.005.900,7862 | 12.326,7890 | 7.463,8994 |
| Saldo Akhir | 7.463,8994 | ||||
Dari saldo akhir Laporan Nilai Tunai Tuan A diketahui bahwa maksimum Penarikan Seluruh Dana yang dapat dilakukan oleh Tuan A adalah sebesar seluruh Unit yang dimiliki oleh Tuan A yaitu 7.463,8984 yang dihitung menggunakan NAB tanggal 05 Mei 2047.
Setelah dilakukan proses surrender maka kepada Tuan A dibayarkan sebesar Rp 92.080.151,6476 dan pertanggungan berakhir.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2047 | S | Saldo | 92.005.900,7862 | 12.326,7890 | 7.463,8994 |
| 04/05/2047 | R | Surrender | 92.080.151,6476 | 12.336,7370 | 7.463,8994 |
| Saldo Akhir | - | ||||
Ilustrasi 4
Setelah Polis berjalan selama 25 tahun dengan pembayaran Premi yang lancar dan tepat waktu pada laporan nilai tunai polis per 01 Mei 2047, Tuan A memiliki jumlah Unit sebesar 7.463,8984. Pada tanggal 03 Mei 2047 Keluarga Tuan A mengajukan klaim meninggal dunia. Total uang yang diterima ahli waris Tuan A terdiri dari Uang Asuransi sebesar Rp100.000.000,- ditambah Nilai Tunai pada saat klaim disetujui.
| Tanggal Transaksi | Type | Type | Jumlah (Rp) | NAB | Jumlah (Unit) |
|---|---|---|---|---|---|
| 01/05/2027 | S | Saldo | 92.005.900,7862 | 12.326,7890 | 7.463,8994 |
| Saldo Akhir | 7.463,8994 | ||||
Ilustrasi 5
Tuan A menerima Polis Asuransi IFG Life Protection Platinum pada tanggal 15 November 2027 dan sesuai ketentuan Polis, Tuan A memiliki waktu selama 74 hari untuk mempelajari kembali Polis yang telah diterimanya. Namun setelah mempelajari kembali Polisnya, Tuan A merasa tidak memperoleh penjelasan yang lengkap tentang beberapa ketentuan di Polisnya dan mengajukan pembatalan Polis pada tanggal 20 November 2021.
Karena pengajuan pembatalan tersebut masih dalam masa Free Look Provision, maka kepada Tuan A akan dikembalikan Premi yang telah disetor setelah dikurangi Biaya Pembatalan Polis (Rp150.000,-), biaya bea meterai (jika ada), administrasi sehubungan dengan penerbitan, pengiriman Polis Asuransi, biaya pemeriksaan kesehatan dan/atau biaya survei (jika ada), Premi yang sudah berjalan dan kerugian investasi (jika ada).
Find Answer For Your Question
- - IFG Life Call Center: 1500-176
- - WhatsApp: 08111-372-848
- - Email: customer_care@ifg-life.id
Complaint Service And Claim
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Call Center
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1500-176
Senin-Jumat : 08.00-17.00
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Email
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customer_care@ifg-life.id
Senin-Jumat : 08.00-17.00
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customer_care@ifg-life.id
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Walk in ke Kantor Representatif
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Website
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Whatsapp
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08111-372-848
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Disclaimer
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Claim decisions are entirely the decision of the Insurer by following the provisions stated in the Policy provisions.
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Investment Fund returns are influenced by the placement of Investment Funds in the selected sub-fund.
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The insurer can reject your product application if it does not meet the applicable requirements and regulations.
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You must read this Summary of Product and Service Information carefully and have the right to ask PT Asuransi Jiwa IFG marketing staff about all matters related to this Summary of General Product and Service Information.
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This Summary of General Product and Service Information is a brief explanation of the IFG Life Protection Platinum Life Insurance product and is not part of the Policy. You can learn the complete provisions regarding the Product in the Policy issued by the Insurer.
