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Life insurance · Indonesia

The math nobody
wants to do.

How much would your family need if your income disappeared tomorrow? Compare term, whole-life and unit-linked policies from OJK-licensed insurers — indicative premiums from Rp 220k/mo.

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Step one

How much cover do you need?

The "income × years + debts" rule. Slide the bars and see what the math says.

Your monthly income
Rp 15M
Rp 3M
Rp 100M
Years your family needs support
15 years
5 years
30 years
Outstanding debts (mortgage, etc.)
Rp 800M
Rp 0
Rp 3bn
Suggested cover
Rp 3.5bn
Roughly 15 years of replacement income plus your debts — what your family would need to stay on track.
Get quotes for this cover
Step two

Term or whole life?

For most people: term. For estate planning or if you want a certain payout: whole. Here's why.

Compare
Term Life
Whole Life(incl. unit-linked)
How it works
Pays out only if you die during the term
Pays out whenever you die, whatever age
Starting premium
Indicative: from Rp 220k/mo — Allianz Pure Term 20
Indicative: from Rp 1.5M/mo — AXA Mandiri Asuransi Maestro Link
Cash value
None
Builds savings — borrow against it
Best for
Income protection while kids are young
Estate planning, lifetime certainty
Renewable
Can renew but premium jumps
Premium locked for life
The plans we compare

4 life plans, side-by-side.

A
Allianz
Pure Term 20
Entry
From
Rp 220k/mo
Best for: Income replacement, mortgages
  • Lowest premium
  • Rp 1B cover example
  • Fixed for 20 years
Watch outNo cash value
Compare Allianz quotes
Compared · public data
M
Manulife
MiSmart Insurance
Popular
From
Rp 480k/mo
Best for: Family with mortgages
  • CI rider (40+ illnesses)
  • Disability waiver
  • Easy underwriting
Watch outNo investment component
Compare Manulife quotes
Compared · public data
A
AXA Mandiri
Asuransi Maestro Link
Popular
From
Rp 1.5M/mo
Best for: Long-term wealth + cover
  • Investment fund choice
  • Lifelong cover option
  • Cash value builds
Watch outSurrender charges first 10y
Compare AXA Mandiri quotes
Compared · public data
P
Prudential
PRUlink Generasi Baru
Premium
From
Rp 2.8M/mo
Best for: Estate planning, high net worth
  • Whole life cover
  • Multiple fund options
  • Wealth transfer rider
Watch outHighest premium · Complex fees
Compare Prudential quotes
Compared · public data
Same 4 plans as our comparison table. Starting prices are indicative entry-level premiums from public insurer pages — the real premium depends on your age, plan level and underwriting. No insurer pays for its position in this list.
Life premiums depend on age, sum assured, smoking status and medical underwriting — the starting prices above are entry-level examples, not a quote for you.

InsuranceIndo is a comparison platform, not an insurer or broker. Figures are indicative; the final premium comes from the licensed insurer after underwriting. We may earn a fee from partners — how we make money.

The honest truth

Every birthday costs you money.

Illustrative only: how premiums typically climb with the age you start, relative to a 25-year-old's term premium (= 1×). Not insurer quotes.

25
1× / 3.9×
30
1.2× / 5.1×
35
1.5× / 6.5×
40
2.2× / 8.4×
45
3.4× / 11.2×
50
5.8× / 15.4×
55
10× / 21.4×
Term life (indexed)
Whole life (indexed)

Common questions.

Do I need life insurance if I'm single with no kids? +
If nobody depends on your income, probably not. Exception: if you have co-signed debt (parents on your mortgage) or want to lock in low premiums for later. Most people buy life insurance the year their first child is born.
Is unit-linked insurance a good idea? +
Mostly no. Unit-linked mixes life cover with investment, but the fees eat returns and the cover is usually smaller than pure term. For most people: buy term life, invest the difference in a low-cost fund.
Will I need a medical exam? +
For sums up to Rp 1B and ages under 40, most insurers accept a phone health declaration. Above Rp 1B or age 45+, expect blood test and ECG. Smokers always need an exam.
What if I'm diagnosed with something later? +
Once your policy is issued, the insurer cannot raise your premium or cancel because of new diagnoses. That's the value of locking it in young and healthy.
How does the payout work? +
Beneficiaries submit the death certificate, policy document, and ID. Payout typically 14–30 days after document verification. Some insurers offer accelerated payout for terminal illness diagnosis.

Lock it in today.

You'll never be younger or healthier than right now. 60-second form — a real human replies same day with quotes from OJK-licensed insurers.

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