Ultima Wealth Assurance

Do you desire an effective solution financial planning for the future?

With the Ultima Wealth Assurance life insurance product, find a convenient way by paying one time Single Premium for protection along with long-term potential investment. You are also have piece of mind in planning future finances.

Protection Benefit

Investment Benefit

Investments in unit link insurance involve market, interest rate, liquidity, credit and other risks, including possible loss of principal amount invested. Investors must read and understand the Product Feature Document, Statement Form, Third Party Unit Link Insurance Product Terms and Conditions, marketing brochure, documents and other related literatures for risk factors, fees and other details before investing in unit link insurance. Past performance does not indicate future performance.

• Reduced Risk Value Units Accepted by Financier or the Net Asset Value (NAV)
  Risk caused by falling prices of investment securities can reduce the Net Asset Value per unit.
• The market risk of stocks or bonds
  Fluctuations in stock or bond prices as an instrument of investment asset that could be affected by the performance of the company from issuing shares or bonds that will have an impact on the performance of managed funds.
• Liquidity Risk
  Withdrawal value (withdrawal / surrender) depends on the liquidity of the portfolio and the number of withdrawals. If at the same time, most or all Unit holders perform withdrawal which there is no liquidity in the market, then this may lead to decrease in the net asset value because of the effects of the portfolio should be sold into the market in large numbers simultaneously, so that it can lead to decline in value of securities in the portfolio.
• Risk of Default
  Risk in which bond issuers are unable to fulfill their obligation to pay back the issued bonds. This will impact the overall performance of managed funds
• Risk of Counterparty Insurer
  Risks where the counterparty insurer cannot fulfill its obligations. Counterparties include, but are not limited to issuers, brokers, investment managers, custodian banks and distribution partners who have been appointed by the insurer.
• Risk of Economic and Political Change
  Changes in economic conditions and political stability in Indonesia can affect the performance of companies, both listed on the stock exchanges and companies that issue money market instruments and bonds, which will indirectly affect the performance of the value of securities in the fund management company that issue the fund.
• Risk of Interest Rate
  Changes in interest rates either increase or decrease will affect the price of money market instruments and can affect the fund performance.
• Cancellation Risk
  If the customer sells / unfreezes / liquidates products before the due date, the customer will receive the investment value which is calculated based on the prevailing unit price after deducting other expenses.
• Risk of Foreign Currency Exchange Rate
  Exchange risk Foreign currency is a form of risk arising from changes in the exchange rate of a currency against another currency at the time of the transaction.
• Risk of client's expectations to Overseas Investment
  Strategy of investing overseas, although not necessarily provide diversification effects will provide better performance than investing in domestic investment where it is possible to experience losses. which is caused by risks related to political and economic condition, tax regulation, and other prevailing regulations in that country.

• Insured entry age:
  • Life protection period due to non accident or accident: 18 - 70 years old (the nearest birthday).
  • Life & permanent disablement protection due to accident: 18 - 64 years old (the nearest birthday).
• Protection period:
  • Life protection period due to non accident or accident before 75 years old.
  • Life & permanent disablement protection due to accident before 66 years old.
• Minimum Total Single Premium USD10.000, consist of:
  Single Basic Premium:
  • Minimum: USD5.000.
  • Maximum: USD25.000.
  Single Top Up Premium:
  • Minimum first Single Top Up Premium: USD5.000.
  • No maximum amount.*
  • For the next minimum Single Top Up Premium: USD500.
  *) Financial underwriting will be applied for the amount exceeded USD200.000 .
• Underwriting: Guaranteed Acceptance* with no health declaration or medical questioner.
  *) For Life Sum Assured up to maximum USD50.000 per Insured, accumulated with the same guaranteed acceptance Policy in Allianz under the same Insured name.
• Protection benefit exception available based on terms & conditions in Policy.