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DAVESTERA

An insurance product that provides easy steps to optimize your investment funds.

Davestera Product Detail

Product Details

Information

Insurance products that provide easy steps to optimize our investment funds.

Main Benefit

  • Died within the insurance period of 100% JUP + Investment Value
  • Life at the end of the contract is the Investment Value at the end of the contract
  • Resign during the insurance period equal to the Investment Value at the time of resignation

Additional Benefit

  • Term
  • Personal Accident Plus
  • TP Disability
  • Critical illness
  • Health Protection
  • Hospitalization CP
  • Waiver of Premium
  • Payor Death Protection
  • Payor Benefit
  • Spouse Death Protection
  • Spouse Benefit

 

Conditions

  • Entry age: 1 - 60 years, Policy holder age: 18 - 60 years.

  • Insurance Period Up to 100 Years of Insurance Age

  • General Terms of Premium:

 

How to Pay Periodic Total Premium Periodic Basic Premium Periodic Topup Premium
Yearly 3.000.000 2.400.000 600.000
Semester 1.500.000 1.200.000 300.000
Quarterly 750.000 600.000 150.000
Monthly 250.000 200.000 50.000

** Periodic Total Premium = Periodic Basic Premium + Periodic Top Up Premium
*Regular Top Up Premium minimum 25% Periodic Basic Premium and maximum 400% Periodic Basic Premium​​​​​​​

Provisions for Allocation of Investment Fees from the Amount of Premium Paid

Policy Year : Cost Percentage of Periodic Basic Premium Percentage of Periodic Basic Premium for Investment Allocation
1 80% 20%
2 19% 81%
>3 - 100%

Terms of Withdrawal of Investment Value

  • The Policy Holder submits the withdrawal of the entire Investment Value (surrender policy), the Investment Value will be paid in the amount of the Investment Value according to the age of the Policy at the time of resignation, and the Insurance ends (terminated).
  • Minimum withdrawal of Rp. 500,000,- per transaction;
  • No withdrawal fees
  • Minimum balance after withdrawal Rp. 1.000.000,- per policy.

Mutual Funds / Investment Instrument Specifications

Unit Linked Type Currency Deskripsi Investasi Risk
Darlink AMAN Money Market Rp. On money market instruments and fixed income with maturities of less than 1 year Low
Darlink STABIL Bonds Rp. On stock, fixed income and money market instruments Medium
Dalink DINAMIS Mix Rp. On stock, fixed income and money market instruments Medium to High
Darlink AGRESIF Stocks Rp. On stock, fixed income and money market instruments High
Darlink AMANAH Fix Income Sharia Rp.

On fixed income instruments and money market based on Sharia principles

 

 Medium