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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.

• Savings
• Protection
• Investment

Savings Products

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 jeopardise 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:

This product provides you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.

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 covered, contribution and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 fund investment options, with the flexibility to change it anytime you want to:

PRUlink Syariah 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 syariah bonds and syariah stocks. 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 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.

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 mortgage scheme means that your loved ones will always have a roof above their heads
• 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 hospitalisation scheme helps you to cover the hospitalisation expenses
• A basic life insurance program means that your loved ones will be able to face a future without immediate financial worries

PRUlink assurance account plus (PAA) is a regular premium unit linked product that offers you a range of investment funds choices:

This product provides you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.

PRUlink syariah assurance account (PAA Syariah) is a regular contribution unit linked product that offers you a range of syariah investment funds choices:

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.

*) Not applicable for USA, Canada and Japan.

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 Portfolio Managers.

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:

and 3 choices of syariah investment funds for PRU syariah products which you may choose or combine: