SmartLink - Life Insurance and Investment
(Unit-Linked)
As an insurance company, Allianz brings to you an innovation of life insurance plus financial protection which helps you to grow your savings. Through this insurance product you will be able to get a good investment return and you can also have other additional benefits that you need.
We call this innovative product Allianz SmartLink.Allianz SmartLink provides you with life insurance coverage plus a great opportunity to get maximum investment returns on your life insurance savings. Furthermore, powered by Allianz, you will be able to enter markets that may not be accessible for individual investors.
> SmartLink Products
> Investment Funds Choices
> Riders
> Allianz SmartLink Benefits
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SmartLink Products
Flexi Account
is a competitively priced unit-linked product with either monthly, quarterly, half annually, or annually premium payment mode. You can add funds at any time and you can add riders for getting extended protection.
Maxi Account
is a single premium payment unit-linked product with protection until age 100. You are free to add funds at any time.
Investment Fund Choices
With Unit-linked products, premiums will be allocated in units which you are free to distribute between our 4 unit-linked Funds:
> Cash Fund / Market Money Fund Rupiah
> Fixed Income Fund Rupiah
> Balanced Fund Rupiah
> Managed Fund US Dollar
Allianz offers four funds as your investment opportunity
Cash Fund / Money Market Fund Rupiah
SmartLink Cash Fund / Money Market Rupiah is designed to get a maximum investment return* with fund placements in Rupiah using high-quality short-term investment tools such as time deposit, SBI, and mutual funds. This investment offers a high-level security and preserves high liquidity by providing investment return. It is very well suited for a conservative investor who prefers stable investment gains and low investment risks.
* Investment returns depend on company investment performance and investment risks.
Fixed Income Fund Rupiah
SmartLink Fixed Income Fund Rupiah is designed to get an optimum investment return* with fund placements in Rupiah using short and mid-term investment tools such Deposito, SBI, and mutual funds, as well as long-term investment tools like bonds. This investment offers attractive investment gains with high level security and stability. It is suited for an investor who wants to get good long-term investment returns at moderate risk.
* Investment returns depend on company investment performance and investment risks.
Balanced Fund Rupiah
SmartLink Balanced Fund Rupiah is designed to get a maximum investment return* with fund placements in Rupiah using an optimum allocation with money market instruments, bonds, stocks and mutual funds. The allocation of funds is determined by Fund Managers and is subject to change on occasion. This offers good long-term investment returns at high risk.
* Investment returns depend on company investment performance and investment risks.
Equity Fund
SmartLink Rupiah Equity Fund is designed to get a maximum investment return* with fund placements in Rupiah using money market tools such as time deposit, SBI, bonds and other money market instruments. The allocation of funds is determined by Fund Managers and is subject to change on occasion. This offers good long-term investment returns at high risk.
* Investment returns depend on company investment performance and investment risks.
Managed Fund US Dollar
SmartLink Managed Fund US Dollar is designed to get a maximum investment return* with fund placements in US Dollar using money market tools such as time deposit, bonds and other money market instruments. This offers good long-term investment returns at moderate risk.
* Investment returns depend on company investment performance and investment risks.
Allianz SmartRiders
Allianz understands that you need comprehensive protection. Therefore we have designed for you the Allianz SmartRiders. SmartRiders can be added to your basic unit-linked program and complete your and your partners life protections against accidents, critical illness and also medical expenses.
Critical Illness Plus (CI+)
This rider offers protection against 24 critical illnesses. If you are for the first time diagnosed to have one or more of these 24 critical illnesses Allianz will pay 100 % of your sum assured under CI+. Critical illnesses are for example heart attack, stroke, and cancer.
Accidental Death & Disablement Benefit (ADDB)
Nobody expects accidents to happen. But we all know they do happen.
This rider offers you additional coverage for death and disablement caused by accident. Allianz pays 100% - 300% of the sum assured upon accidental death and a certain percentage if inner organs or body parts are defect because of an accident.
Total Permanent Disability (TPD)
24 hours a day Allianz protects you from TPD and pays you 100% of your sum assured in case of TPD. Of course, your basic policy will still continue until the end of insurance time.
Waiver of Premium Plus (WOP+)
This rider offers an additional protection if the life insured is for the first time diagnosed to suffer from one or more of 24 critical illnesses (CI+) and/or has total permanent disability (TPD). In these cases the premium will be waived (canceled) until end of the payment term. There is no limit as to what amount of premium can been waived.
Payor Benefit & Payor Protection
Payor Benefit
Release from obligation to pay premium if a policyholder suffers from total permanent disability or from one or more of 24 critical illnesses.
Payor Protection
Release from obligation to pay premium if policyholder dies due to an accident.
Spouse Payor Benefit & Spouse Payor Protection
Spouse Payor Benefit
Release from obligation to pay premium if the spouse of a policyholder suffers from total permanent disability or from one or more of 24 critical illnesses.
Spouse Payor Protection
Release from obligation to pay premium if the spouse of policyholder dies due to an accident.
Flexi Care
We do not expect to get sick and sickness normally happens without prior notice. While you are doing your activities Allianz protects you from unexpected cash payments for hospital expenses. If the insured one gets sick or suffers an accident that must be taken care of in a hospital, Allianz pays for room expenses, surgery expenses etc. as you can see in table below during a maximum of 180 days per year.
PRODUCT LIFE INSURANCE SmartLink - Life Insurance and Investment