Cost

Single Premium

Regular Premium

Initial Cost

5% of the Single Premium

-

Acquisition Cost

The 1^st Year                :  100%
The 2^nd Year               :    60%
The 3^rd up to 5^th Years:    15%
The 6^th Year onward   :     0%

Cost of Insurance

Depending on the age of entry, the amount of Sum Insured and sex. This cost changes each year in accordance with the age reached in the on-going year.

Depending on the age of entry, the amount of Sum Insured, Rider option and sex. This cost changes each year in accordance with the age reached in the on-going year.

Top-up Cost

5% of the Top Up Premium

Cost of Investment Fund Switching

0.5% x Total Investment Funds switched (Only imposed at the fifth Switching and subsequently per Policy year)

Cost of Withdrawal and Investment Value Redemption

Only imposed if it is conducted before the 3^rd anniversary of the Policy, a total of 2% x Total Funds withdrawn or redeemed

Only imposed if it is conducted before the 5^th anniversary of the Policy, a total of 52% x Total Funds withdrawn or redeemed

Monthly Administration Cost

IDR 10,000, as from the effective date of the policy

IDR 25,000, as from the effective date of policy

Investment Management Cost

Maximum 2% per year (depending on type of investment funds option)

Tax

Each withdrawal and redemption of Investment Value conducted before the Policy lasts for more than 3 (three) years will be imposed with the income tax in accordance with the existing laws on taxation on the difference between the Investment Value and total premium.