Internal · gated
Find the best fit — not a “best” product.
No single best product. The right fit for the right person — together. Tidak ada produk paling baik. Yang tepat untuk orang yang tepat — bersama.
Every life-insurance product is designed by an insurer to achieve a business objective and to steer agents toward specific behaviours. This tool compares 276 agency-channel products on dimensions, and reads the insurer’s play behind each one — so you can match the right product to the right person.
How to read this · the insurer’s play
There is no universal winner. Every product launches because a carrier wants something — to capture an affluent-health segment, defend against a competitor, lift margins, comply with a regulatory redesign (e.g. ), bundle a family, or upsell . Understanding why a product exists, and what the insurer wants the agent to do, is the key to matching the right product to the right person — and the clearest proof that no product is universally “best”.
Every product view pairs strengths and weaknesses, carries -grounded facts, and surfaces “The Insurer’s Play” as a labelled interpretation. Building legacies bersama — agent and family, together.
Market at a glance
What’s new
Most recently updated or freshly analysed products.
- Cemerlang Prime — Generali Life Indonesia · Traditional Life brief 2026-06-20
- TM Idaman — Tokio Marine Life Indonesia · Traditional Life brief 2026-06-20
- TM Life Guard — Tokio Marine Life Indonesia · Traditional Life brief 2026-06-20
- TM Pasti — Tokio Marine Life Indonesia · Traditional Life brief 2026-06-20
- TM Warisan — Tokio Marine Life Indonesia · Traditional Life brief 2026-06-20
- BeSMART Lite — Generali Life Indonesia · Traditional Life brief 2026-06-19
Traditional Life 125 products
- AIA Inspire — AIA Financial Indonesia
- AIA Melangkah Bersama — AIA Financial Indonesia
- AIA Nura Journey — AIA Financial Indonesia
- AIA Platinum Legacy — AIA Financial Indonesia
- AIA Platinum Treasure — AIA Financial Indonesia
- AIA PowerPro Life — AIA Financial Indonesia
- AIA Proterm Protection — AIA Financial Indonesia
- AIA Signature Legacy — AIA Financial Indonesia
- Allianz LegacyPro — Allianz Life Indonesia benchmark
- Allianz PASTI - Asuransi Jiwa dari Allianz Indonesia — Allianz Life Indonesia benchmark analysis pending
- Allianz Tasbih — Allianz Life Syariah benchmark Syariah
- AlliSya Cerdas — Allianz Life Syariah benchmark Syariah
- AlliSya LegacyMax — Allianz Life Syariah benchmark Syariah analysis pending
- AlliSya Protection Life — Allianz Life Syariah benchmark Syariah
- AlliSya RENCANA — Allianz Life Syariah benchmark Syariah
- Asuransi Allianz Future Income — Allianz Life Indonesia benchmark analysis pending
- Asuransi Jiwa Kredit — Sun Life Indonesia analysis pending
- Asuransi Jiwa Kredit Plus — AXA Mandiri analysis pending
- Asuransi Jiwa KreditKendaraan Plus — AXA Mandiri analysis pending
- Asuransi Mandiri Elite Plan Syariah - Protection — AXA Mandiri Syariah Syariah analysis pending
- Asuransi Mandiri Flexi Proteksi — AXA Mandiri
- Asuransi Mandiri Life Protection — AXA Mandiri
- Asuransi Mandiri Masa Depan Sejahtera, Pasti Bisa Kuliah! — AXA Mandiri
- Asuransi Mandiri Mikro Jiwa Terlindungi - Si Jitu — AXA Mandiri analysis pending
- Asuransi Mandiri Mikro Sejahtera - Plan Aman 50 — AXA Mandiri analysis pending
- Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 100 — AXA Mandiri analysis pending
- Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 30 — AXA Mandiri analysis pending
- Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 50 — AXA Mandiri analysis pending
- Asuransi Mandiri Protection Prime — AXA Mandiri analysis pending
- Asuransi Mandiri Secure Life — AXA Mandiri
- Asuransi Mandiri Ultimate Legacy — AXA Mandiri analysis pending
- Asuransi Mikro — AXA Mandiri analysis pending
- Asuransi Perlindungan Kredit Prima — AXA Mandiri analysis pending
- Asuransi Salam Berkah Amanah — Sun Life Syariah Syariah analysis pending
- Asuransi Sun Safety Life — Sun Life Indonesia
- Asuransi Tambahan Term Life — AIA Financial Indonesia
- Asuransi X-Tra Plan Protection — Sun Life Indonesia analysis pending
- BeSmart — Generali Life Indonesia
- BeSMART Lite — Generali Life Indonesia
- BeSMART Lite (Bank Victoria) — Generali Life Indonesia analysis pending
- CEMERLANG — Generali Life Indonesia analysis pending
- Cemerlang Prime — Generali Life Indonesia
- Credit Protector Pro — Sun Life Indonesia analysis pending
- Credit Protector Pro Syariah — Sun Life Syariah Syariah analysis pending
- GEN Prime Link — Generali Life Indonesia
- GEN Proteksi Utama (GEN Pro) — Generali Life Indonesia
- GEN Syariah Perlindungan Aman — Generali Life Indonesia Syariah Syariah
- Guardia RENCANA Syariah — Allianz Life Syariah benchmark Syariah
- i-PRO 100 — Generali Life Indonesia analysis pending
- iFLEXYGUARD — Generali Life Indonesia
- Mandiri Mikro Sejahtera Plan Aman Jiwa — AXA Mandiri analysis pending
- Manulife Amandira — Manulife Indonesia
- Manulife Amandira Syariah — Manulife Syariah Syariah analysis pending
- Manulife Asuransi Jiwa Kredit Pinjaman Properti Bank Danamon — Manulife Indonesia
- Manulife Asuransi Jiwa Kredit Pinjaman Properti Bank Permata — Manulife Indonesia
- Manulife Danamon Credit Protection — Manulife Indonesia
- Manulife Dynamic Life Assurance — Manulife Indonesia
- Manulife Dynamic Wealth Assurance — Manulife Indonesia
- Manulife Micredit Assurance Balance — Manulife Indonesia
- Manulife Mifirst Life Protector — Manulife Indonesia
- Manulife Miprosper Assurance For Pension — Manulife Indonesia analysis pending
- Manulife Multigenerational Income Assurance + (Manulife Ultima +) — Manulife Indonesia analysis pending
- Manulife Perlindungan Pendidikan Syariah — Manulife Syariah Syariah analysis pending
- Manulife Perlindungan Syariah Flexi — Manulife Syariah Syariah analysis pending
- Manulife Primajaga 100 — Manulife Indonesia analysis pending
- Manulife Proactive Plus — Manulife Indonesia analysis pending
- Manulife Protection Optimum Elite — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Amanah — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Andalan — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Berkah — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Perlindungan Andalan — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Siaga — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Warisan Terencana — Manulife Indonesia analysis pending
- Manulife Saving Plan Assurer — Manulife Indonesia analysis pending
- Maybank Credit Shield dari Allianz Maybank — Allianz Life Indonesia benchmark
- MiTreasure Whole Life Legacy (DBS) — Manulife Indonesia analysis pending
- MiWealth Infinite Assurance — Manulife Indonesia analysis pending
- MyProtection Amanah — Allianz Life Syariah benchmark Syariah
- MyProtection RENCANA Syariah — Allianz Life Syariah benchmark Syariah
- MyProtection Waris Syariah — Allianz Life Syariah benchmark Syariah
- Optima Protection Plus — AIA Financial Indonesia
- PRO-LIFE JARIYAH-100 — Generali Life Indonesia analysis pending
- Proteksi Jiwa Maksima (JIMI) — AIA Financial Indonesia
- PROVESTA PRIME 110 — Generali Life Indonesia analysis pending
- PRUAnugerah Syariah — Prudential Syariah Syariah
- PRUCinta — Prudential Syariah Syariah
- PRUFuture — Prudential Indonesia
- PRUHeritage Syariah — Prudential Syariah Syariah analysis pending
- PRUMapan — Prudential Indonesia
- PRUSmart Plan — Prudential Indonesia
- PRUTahapan Cemerlang — Prudential Syariah Syariah
- RIZQIA — Generali Life Indonesia Syariah Syariah
- Salam Hijrah Proteksi — Sun Life Syariah Syariah analysis pending
- Sinarmas Maxi Life — MSIG Life Indonesia analysis pending
- Smart Maxi Assurance — MSIG Life Indonesia analysis pending
- SmartLink Protection Life — Allianz Life Indonesia benchmark
- SmartProtection — Allianz Life Indonesia benchmark
- SmartProtection BTPN Syariah Purnabakti — Allianz Life Syariah benchmark Syariah
- SmartProtection iB — Allianz Life Indonesia benchmark
- SmartProtection KPR Bank Mestika — Allianz Life Indonesia benchmark
- SmartProtection KTA (CIMB Niaga) — Allianz Life Indonesia benchmark
- SmartProtection Mitraguna BSI — Allianz Life Syariah benchmark Syariah
- SmartProtection Mortgage KPR-HSBC — Allianz Life Indonesia benchmark
- SmartProtection Pensiun Berkah BSI — Allianz Life Syariah benchmark Syariah
- Smile Plan Maxima Syariah — MSIG Life Indonesia Syariah Syariah
- Smile Pro Infinite — MSIG Life Indonesia
- Smile Ultima Term Life — MSIG Life Indonesia analysis pending
- Smile Whole Life Protection — MSIG Life Indonesia
- Sun Proteksi Cermat — Sun Life Indonesia
- Sun Proteksi Heritage 100 — Sun Life Indonesia
- Sun Proteksi Jiwa — Sun Life Indonesia
- Sun Proteksi Pintar — Sun Life Indonesia
- Sun Proteksi Siap — Sun Life Indonesia
- Sun Proteksi Tepat — Sun Life Indonesia
- TM Idaman — Tokio Marine Life Indonesia benchmark
- TM Life Guard — Tokio Marine Life Indonesia benchmark
- TM Pasti — Tokio Marine Life Indonesia benchmark
- TM Peace of Mind Plus — Tokio Marine Life Indonesia benchmark
- TM Warisan — Tokio Marine Life Indonesia benchmark
- Wealth Premier Protection (Premier Pro) — AIA Financial Indonesia
- X-Term Protection — Sun Life Indonesia analysis pending
- X-Tra Proteksi Cermat — Sun Life Indonesia analysis pending
- X-Tra Proteksi Cermat USD — Sun Life Indonesia analysis pending
- X-Tra Proteksi Optima Legacy — Sun Life Indonesia analysis pending
- X-Tra Proteksi Tepat — Sun Life Indonesia analysis pending
Critical Illness 35 products
- AIA Amani — AIA Financial Indonesia Syariah
- AIA Sehat Seratus — AIA Financial Indonesia
- AIA Vital Care — AIA Financial Indonesia
- AlliSya CI Hasanah — Allianz Life Syariah benchmark Syariah
- Asuransi Allianz Critical Plus — Allianz Life Indonesia benchmark
- Asuransi Mandiri Proteksi Kanker Dini — AXA Mandiri
- Asuransi Mandiri Proteksi Penyakit Tropis — AXA Mandiri
- Asuransi Mandiri Secure CritiCare — AXA Mandiri
- Asuransi Sun Critical Medicare — Sun Life Indonesia analysis pending
- Asuransi Tambahan Mandiri Critical Care — AXA Mandiri analysis pending
- Cristal Prime — Generali Life Indonesia
- eSmile — MSIG Life Indonesia Syariah analysis pending
- Flexi CI — Allianz Life Indonesia benchmark
- Flexi CI Syariah — Allianz Life Syariah benchmark Syariah
- iSALAAM — Generali Life Indonesia Syariah Syariah
- Manulife Critical Care Protection — Manulife Indonesia analysis pending
- Manulife Proteksi Prima Kritis Andalan — Manulife Indonesia analysis pending
- MCI PRO — Generali Life Indonesia analysis pending
- MCI PRO 315 — Generali Life Indonesia
- MiEarly Critical Protection (DBS) — Manulife Indonesia analysis pending
- MiOptiMax Cancer Care (DBS) — Manulife Indonesia analysis pending
- MiUltimate Critical Care — Manulife Indonesia analysis pending
- MiUltimate Critical Care (DBS) — Manulife Indonesia analysis pending
- Optima Cancer Protection — AIA Financial Indonesia
- Proteksi Penyakit Kritis Maksima Ekstra (Prima Extra) — AIA Financial Indonesia
- PRUCritical Amanah — Prudential Syariah Syariah
- PRUCritical Benefit 88 — Prudential Indonesia
- PRULady — Prudential Indonesia
- PRUSolusi Kondisi Kritis Syariah — Prudential Syariah Syariah
- Salam Healthier Future Assurance (SHIFA) Essential — Sun Life Syariah Syariah
- Smart Critical Assurance — MSIG Life Indonesia
- Smile Critical Ultima Care Secure — MSIG Life Indonesia analysis pending
- TM CI Guard — Tokio Marine Life Indonesia benchmark
- TM Critical Guard — Tokio Marine Life Indonesia benchmark
- VIP Cristal Shield — Generali Life Indonesia analysis pending
Health 32 products
- AIA Health X — AIA Financial Indonesia
- Allianz Preferred Medical — Allianz Life Indonesia benchmark
- AlliSya Preferred Medical — Allianz Life Syariah benchmark Syariah
- Asuransi Kesehatan Proteksi Ekstra — AXA Mandiri analysis pending
- Asuransi Mandiri Solusi Kesehatan — AXA Mandiri analysis pending
- Asuransi Tambahan Mandiri Medical Care — AXA Mandiri analysis pending
- GEN HealthCare Protection — Generali Life Indonesia
- GEN HealthCare Protection Syariah — Generali Life Indonesia Syariah Syariah
- GEN MediCare Protection — Generali Life Indonesia
- Generali HealthCare Solution — Generali Life Indonesia
- Generali Lite HealthCare — Generali Life Indonesia
- Generali Lite HealthCare Syariah — Generali Life Indonesia Syariah Syariah
- Hospital & Surgery Guard — Tokio Marine Life Indonesia benchmark
- Manulife Miultimate Healthcare — Manulife Indonesia
- Manulife Miultimate Healthcare Syariah — Manulife Syariah Syariah
- Premier Hospital & Surgical Extra — AIA Financial Indonesia
- Premier Hospital & Surgical Saver — AIA Financial Indonesia
- Proteksi Kesehatan Ultima (PRATAMA) — AIA Financial Indonesia
- PRUSehat — Prudential Indonesia
- PRUSehat Syariah — Prudential Syariah Syariah
- Pruwell Health — Prudential Indonesia
- Pruwell Health Syariah — Prudential Syariah Syariah
- PRUWell Medical — Prudential Indonesia
- PRUWell Medical Syariah — Prudential Syariah Syariah
- Salam Healthier Future Assurance (SHIFA) - Signature — Sun Life Syariah Syariah
- Salam Healthier Future Assurance (SHIFA) - Signature — Sun Life Syariah Syariah
- Smile Health Prime — MSIG Life Indonesia
- Smile Medical — MSIG Life Indonesia
- Sun Healthcare Solution — Sun Life Indonesia
- Sun Healthcare Solution Syariah — Sun Life Syariah Syariah
- TM Executive Medicare — Tokio Marine Life Indonesia benchmark
- TM Optima Hospital & Surgery Plus — Tokio Marine Life Indonesia benchmark
Unit-Linked 29 products
- AIA Bahagia Bersama — AIA Financial Indonesia
- Asuransi Brilliance Spektra Invest — Sun Life Indonesia analysis pending
- Asuransi Jiwa Smile Flexi Link — MSIG Life Indonesia analysis pending
- Asuransi Jiwa Smile Optima Flexilink — MSIG Life Indonesia analysis pending
- Asuransi Mandiri Elite Plan - Protection — AXA Mandiri analysis pending
- Asuransi Mandiri Elite Plan Syariah - Prime — AXA Mandiri Syariah Syariah analysis pending
- Asuransi Mandiri WealthSignature USD - Plan Protection — AXA Mandiri analysis pending
- Asuransi Mandiri WealthSignature USD - Plan Saving — AXA Mandiri analysis pending
- Asuransi Maxima Anugerah — Sun Life Syariah Syariah
- Asuransi Salam Anugerah Ikhtiar — Sun Life Syariah Syariah
- Asuransi Salam Hijrah Amanah Prima — Sun Life Syariah Syariah
- Asuransi Salam Hijrah Arafah USD — Sun Life Syariah Syariah
- Asuransi Sun Solusi Bijak — Sun Life Indonesia
- Asuransi Sun Solusi Bisa — Sun Life Indonesia analysis pending
- Mandiri Elite Plan Prime — AXA Mandiri analysis pending
- Manulife Mismart Insurance Solution Syariah — Manulife Syariah Syariah
- Maxi Infinite Link Assurance Plus (MILA PLUS) — AIA Financial Indonesia
- Maxi Value Protection — AIA Financial Indonesia
- PRULink Investor Account — Prudential Indonesia analysis pending
- PRULink NextGen — Prudential Indonesia analysis pending
- PRULink NextGen Syariah — Prudential Syariah Syariah analysis pending
- PRULink Syariah Investor Account — Prudential Syariah Syariah analysis pending
- Sinarmas Optima Plus — MSIG Life Indonesia analysis pending
- Smile Wealth Guard Syariah — MSIG Life Indonesia Syariah Syariah
- TM Link Investasiku — Tokio Marine Life Indonesia benchmark analysis pending
- TM Link ProteksiKu — Tokio Marine Life Indonesia benchmark analysis pending
- TM Link Wealth Accumulation — Tokio Marine Life Indonesia benchmark analysis pending
- TM Link Wealth Enhancement — Tokio Marine Life Indonesia benchmark analysis pending
- TM Maximum Investment Plan Plus — Tokio Marine Life Indonesia benchmark analysis pending
Endowment 20 products
- Asuransi Mandiri Rencana Masa Depan — AXA Mandiri analysis pending
- Asuransi Salam Anugerah Harapan — Sun Life Syariah Syariah
- Asuransi Salam Hijrah Sejahtera — Sun Life Syariah Syariah analysis pending
- Asuransi Sun Prosperity Prime (Si Super) — Sun Life Indonesia
- GEN Wealth — Generali Life Indonesia analysis pending
- Manulife Miassurance Protection Plan — Manulife Indonesia analysis pending
- Manulife Mitreasure Future Smart Assurance Dbs — Manulife Indonesia analysis pending
- Manulife Perlindungan Diri Syariah — Manulife Syariah Syariah analysis pending
- Manulife Proteksi Prima Pendapatan Berencana — Manulife Indonesia analysis pending
- RAYA Pro Maxima — Generali Life Indonesia Syariah Syariah
- Simas Income Protection (SIMPRO) — MSIG Life Indonesia
- Smart Life Protection — MSIG Life Indonesia
- Smart Plan Protection — MSIG Life Indonesia
- Smart Wealth Assurance — MSIG Life Indonesia
- Smile Dana Sejahtera — MSIG Life Indonesia
- Smile Life Extra Plus — MSIG Life Indonesia
- Smile Wealth Protection Smart — MSIG Life Indonesia analysis pending
- TM Global SavePro — Tokio Marine Life Indonesia benchmark
- X-Tra Proteksi Cermat Saver — Sun Life Indonesia analysis pending
- X-Tra Proteksi Diri Syariah — Sun Life Syariah Syariah analysis pending
Other 17 products
- Asuransi Tambahan Perlindungan Pembayaran Premi Plus — AXA Mandiri analysis pending
- Asuransi Tambahan Perlindungan Pembayaran Premi Plus Bagi Pemegang Polis — AXA Mandiri analysis pending
- Payor and Spouse Payor Benefit — Allianz Life Indonesia benchmark analysis pending
- Payor Waiver Care — AIA Financial Indonesia analysis pending
- Payung Keluarga Syariah — Allianz Life Syariah benchmark Syariah analysis pending
- Prudential Syariah x Bank Syariah Indonesia — Prudential Syariah Syariah analysis pending
- Prudential Syariah x SMBC Indonesia — Prudential Syariah Syariah analysis pending
- Prudential Syariah x Standard Chartered — Prudential Syariah Syariah analysis pending
- Prudential Syariah x UOB — Prudential Syariah Syariah analysis pending
- Prudential x Permata Bank — Prudential Indonesia analysis pending
- Prudential x Standard Chartered — Prudential Indonesia analysis pending
- Prudential x UOB — Prudential Indonesia analysis pending
- Sekoci Amana — Allianz Life Syariah benchmark Syariah analysis pending
- Spouse Waiver Care — AIA Financial Indonesia analysis pending
- Term Life — Allianz Life Indonesia benchmark analysis pending
- Total Permanent Disability & Accelerated (Rider) Asuransi Tambahan — Allianz Life Indonesia benchmark analysis pending
- Waiver Care — AIA Financial Indonesia analysis pending
Education 6 products
- Asuransi Tambahan Perlindungan Dana Pendidikan — AXA Mandiri analysis pending
- Proteksi Edukasi Maksima (EduPlan) — AIA Financial Indonesia analysis pending
- PRUCerah — Prudential Syariah Syariah analysis pending
- Simas Kid Insurance Syariah — MSIG Life Indonesia Syariah Syariah analysis pending
- Smile EduKid — MSIG Life Indonesia analysis pending
- VIP Scholar Shield — Generali Life Indonesia analysis pending
Retirement 6 products
- AIA Income Protection Plan — AIA Financial Indonesia analysis pending
- Asuransi X-Tra Proteksi Retirement | Sun Life Indonesia — Sun Life Indonesia analysis pending
- BRAVO Individu — Generali Life Indonesia analysis pending
- Proteksi Retirement Maksima (RetirePlan) — AIA Financial Indonesia analysis pending
- Proteksi Wholelife Income Maksima (HOKI) — AIA Financial Indonesia analysis pending
- Sinarmas Pension Plan — MSIG Life Indonesia analysis pending
Personal Accident 5 products
- Accidental Death & Disablement Benefit (Rider) — Allianz Life Indonesia benchmark analysis pending
- eSmile Accident Care — MSIG Life Indonesia Syariah
- Optima Accident Protection — AIA Financial Indonesia analysis pending
- Smile Personal Accident — MSIG Life Indonesia analysis pending
- Smile Personal Accident Syariah — MSIG Life Indonesia Syariah Syariah analysis pending
Credit Life 1 products
- SmartProtection SMBCI Purnabakti — Allianz Life Indonesia benchmark analysis pending