Categories / Traditional Life
Traditional Life
125 in-scope products. Different products win for different people — compare the trade-offs below, then open any product for the full read.
benchmark Legacy Income’s own/benchmark carriers in this category: Allianz LegacyPro, Allianz PASTI - Asuransi Jiwa dari Allianz Indonesia, Allianz Tasbih, AlliSya Cerdas, AlliSya LegacyMax, AlliSya Protection Life, AlliSya RENCANA, Asuransi Allianz Future Income, Guardia RENCANA Syariah, Maybank Credit Shield dari Allianz Maybank, MyProtection Amanah, MyProtection RENCANA Syariah, MyProtection Waris Syariah, SmartLink Protection Life, SmartProtection, SmartProtection BTPN Syariah Purnabakti, SmartProtection iB, SmartProtection KPR Bank Mestika, SmartProtection KTA (CIMB Niaga), SmartProtection Mitraguna BSI, SmartProtection Mortgage KPR-HSBC, SmartProtection Pensiun Berkah BSI, TM Idaman, TM Life Guard, TM Pasti, TM Peace of Mind Plus, TM Warisan — labelled for reference; the analysis itself is unbiased.
How Traditional Life products differ
Fully benchmarked · 91% coverageNo product wins every dimension — these are trade-offs, not a scoreboard. Where the dataset can’t yet support hard medians, we show the observed range and the analyst’s read.
Category benchmarks for Traditional Life are still being built.
Coverage caveat: Catalog stubs for the 131-product traditional-life category are HTML-only ('not disclosed on page'); structured numeric data is reliably available only from the subset with fully extracted RIPLAY/brochure PDFs. Automated population-level extraction across the heterogeneous brief corpus yields <60% coverage on every quantifiable metric, so per SKILL Step 4 this category is benchmarked qualitatively. The anchor sample below (5 products with clean PDF data) defines the observed range; it is NOT a category-wide population statistic. (sample: ~69 products)
AIA Inspire
AIA Inspire is a short-pay endowment built for customers who want a regular cash payout while alive on top of a death benefit.
AIA Melangkah Bersama
AIA Melangkah Bersama is a hybrid whole-life + retirement-annuity policy marketed under the theme "walking together from now to later." It is a short-pay (5/10/20-year) traditional life contract covering to age 99, with two structural feat…
AIA Nura Journey
AIA Nura Journey is a 3-pay, 10-year Sharia endowment built around the Hajj / Umroh planning use case — the only Indonesian life product on Legacy Income's radar that is openly merchandised toward fulfilling a "niat suci" (sacred intention…
AIA Platinum Legacy
AIA Platinum Legacy is the compounding answer for affluent customers who want a growing legacy without managing investments.
AIA Platinum Treasure
AIA Platinum Treasure is the AIA-side competitor to Allianz LegacyPro, but engineered with a meaningfully different ramp logic.
AIA PowerPro Life
AIA PowerPro Life is the affordable 10-year breadwinner shield for someone whose protection need is finite — mortgage years, kids in school, business-loan period — not lifetime.
AIA Proterm Protection
AIA ProTerm Protection is term life with a return-of-premium tail.
AIA Signature Legacy
AIA Signature Legacy is the flexible-term answer to "I want lifetime protection with predictable premium costs." It is a short-pay (2/5/10 year) whole-life policy that pays a guaranteed lump-sum death benefit to age 80 or 99, available in…
Allianz LegacyPro
Allianz LegacyPro is a traditional whole-life insurance product with periodic premium payment that provides a death benefit to age 100, an automatic premium-waiver rider on diagnosis of any of 77 critical illness/condition categories, and…
Allianz PASTI - Asuransi Jiwa dari Allianz Indonesia
Allianz Tasbih
Allianz Tasbih ("Tabungan Asuransi Biaya Haji" — Hajj Cost Savings Insurance) is a Sharia traditional individual product combining a savings accumulation vehicle invested in Sukuk-based instruments with term-style life and emergency-medica…
AlliSya Cerdas
AlliSya Cerdas is the Sharia-compliant answer to "I want to protect my family for the next 11 years and get cash back at the end, all built on Islamic principles." It is a fixed-term endowment (3 or 5-year payment, 11-year coverage) that g…
AlliSya LegacyMax
Warisan Kebaikan untuk Impian yang Menguatkan Masa Depan
AlliSya Protection Life
AlliSya Protection Life is the Sharia hybrid answer to "I want permanent whole-life protection with Sharia principles, and I'm open to investment participation." It is a long-term whole-life policy with Sharia-compliant periodic contributi…
AlliSya RENCANA
AlliSya RENCANA is a Sharia-compliant traditional life protection plan structured around an 8-year contribution period (regular premiums) paired with an 18-year coverage term.
Asuransi Allianz Future Income
Asuransi Jiwa Kredit
Decreasing-benefit term life designed to settle the outstanding mortgage balance of a CIMB Niaga housing-loan borrower in the event of death (accidental or natural).
Asuransi Jiwa Kredit Plus
Perlindungan jiwa untuk kredit mikro yang memberikan manfaat manfaat pelunasan sisa pinjaman jika debitur meninggal dunia hingga Rp1 Miliar.
Asuransi Jiwa KreditKendaraan Plus
Perlindungan jiwa untuk kredit kendaraan bermotor dengan uang pertanggungan hingga Rp2.25 Miliar jika debitur meninggal dunia.
Asuransi Mandiri Elite Plan Syariah - Protection
Asuransi Mandiri Flexi Proteksi
Most term-life products in Indonesia do one thing: pay when you die.
Asuransi Mandiri Life Protection
Asuransi Mandiri Life Protection is not a life insurance product in the conventional sense — despite the name.
Asuransi Mandiri Masa Depan Sejahtera, Pasti Bisa Kuliah!
Education endowment products in Indonesia carry an emotional weight no other category matches.
Asuransi Mandiri Mikro Jiwa Terlindungi - Si Jitu
Perlindungan jiwa dengan santunan 500x dari premi bulanan.
Asuransi Mandiri Mikro Sejahtera - Plan Aman 50
Perlindungan tahunan atas risiko meninggal dunia karena sebab apapun atau kecelakaan dengan uang pertanggungan hingga Rp50jt, dilengkapi dengan manfaat Santunan Tunai Rawat Inap di Rumah Sakit, Santunan Biaya Pembedahan dan Santunan Cacat…
Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 100
Perlindungan tahunan atas risiko meninggal dunia karena sebab apapun atau kecelakaan dengan uang pertanggungan hingga Rp100jt, dilengkapi dengan manfaat Santunan Tunai Rawat Inap di Rumah Sakit dan Santunan Biaya Pembedahan.
Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 30
Perlindungan tahunan atas risiko meninggal dunia karena sebab apapun atau kecelakaan dengan uang pertanggungan hingga Rp25jt, dilengkapi dengan manfaat Santunan Tunai Rawat Inap di Rumah Sakit dan Santunan Cacat Tetap akibat kecelakaan.
Asuransi Mandiri Mikro Sejahtera -Plan Sejahtera 50
Perlindungan tahunan atas risiko meninggal dunia karena sebab apapun atau kecelakaan dengan uang pertanggungan hingga Rp50jt, dilengkapi dengan manfaat Santunan Tunai Rawat Inap di Rumah Sakit, Santunan Biaya Pembedahan dan Santunan Cacat…
Asuransi Mandiri Protection Prime
Asuransi Mandiri Protection Prime merupakan produk asuransi jiwa kredit AXA Mandiri yang memberikan pertanggungan berupa pelunasan hutang kartu kredit terhadap risiko meninggal dunia, terdiagnosis Penyakit Kritis, dan Cacat Total Tetap bag…
Asuransi Mandiri Secure Life
Asuransi Mandiri Secure Life is a short-duration term-life policy with a return-of-premium twist.
Asuransi Mandiri Ultimate Legacy
Siapkan warisan bernilai untuk keluarga tercinta dengan Uang Pertanggungan hingga 18 kali total premi yang dibayarkan sampai dengan usia 100 tahun, dengan Masa Pembayaran singkat, 1 tahun, 2 tahun atau 5 tahun.
Asuransi Mikro
Perlindungan jiwa yang terjangkau dengan manfaat Santunan Meninggal Dunia Karena Sebab Apapun Rp5 Juta dan Santunan Meninggal Dunia akibat Kecelakaan Rp25 Juta.
Asuransi Perlindungan Kredit Prima
Perlindungan jiwa untuk kredit kepemilikan rumah, dengan manfaat pelunasan sisa pinjaman pokok apabila terjadi risiko meninggal dunia.
Asuransi Salam Berkah Amanah
Hidup Penuh Berkah, Melangkah Dengan Amanah
Asuransi Sun Safety Life
Asuransi Sun Safety Life is a one-year renewable term-life policy (the RIPLAY calls it Ekawarsa — annual).
Asuransi Tambahan Term Life
Tambahan Term Life is not a standalone product — it is an optional supplementary rider (Asuransi Tambahan) that AIA Indonesia attaches on top of its traditional and unit-linked base policies (most visibly AIA Inspire in the current brochur…
Asuransi X-Tra Plan Protection
Hidup Lebih Tenang dengan Manfaat Ekstra Tahunan
BeSmart
Generali BeSMART is the "policy that pays you back while you're alive" answer to whole-life.
BeSMART Lite
Generali BeSMART Lite is the accessible entry point into permanent life protection.
BeSMART Lite (Bank Victoria)
<pProduk BeSMART Lite</p
CEMERLANG
<pCemerlang memberikan perlindungan keuangan apabila terjadi risiko dan menjamin 110% uang yang Anda bayarkan kembali pada akhir masa pertanggungan.</p
Cemerlang Prime
Cemerlang Prime is Generali's conventional term-life plan with a money-back hook.
Credit Protector Pro
Yearly-renewable term life that settles the outstanding balance on a CIMB Niaga credit card if the cardholder dies, becomes totally and permanently disabled, or is diagnosed with a covered critical illness.
Credit Protector Pro Syariah
Syariah-compliant yearly-renewable term that settles the outstanding balance on a CIMB Niaga credit card if the cardholder dies, becomes totally and permanently disabled, or is diagnosed with a covered critical illness.
GEN Prime Link
GEN Prime Link is a unit-linked life policy that pushes more of the customer's rupiah into the investment account, earlier, than typical Indonesian unit-link products on the agency shelf.
GEN Proteksi Utama (GEN Pro)
GEN Proteksi Utama (GEN Pro) is the flexible mid-market protection answer to "I want strong, affordable life cover for a defined chapter of my life — not a lifetime savings contract." It is a term/flexible-term life policy (asuransi jiwa b…
GEN Syariah Perlindungan Aman
GEN Syariah Perlindungan Aman is the Sharia-compliant answer to "I want to leave a halal legacy for my family without touching riba or the stock market." It is a short-pay (5/10/15-year) Sharia whole-life plan that protects the participant…
Guardia RENCANA Syariah
Guardia RENCANA Syariah is a Sharia-compliant traditional life product issued by Allianz Life Syariah Indonesia and distributed exclusively through PT Bank SMBC Indonesia Tbk.
i-PRO 100
<pPT Asuransi Jiwa Generali Indonesia mempersembahkan i-PRO 100 produk Asuransi Jiwa dengan pembayaran Premi secara berkala yang dirancang khusus untuk memberikan proteksi jiwa seumur hidup dan memberikan manfaat hidup dalam bentuk pengemb…
iFLEXYGUARD
iFLEXYGUARD is a whole-life policy that pays you while you are alive, not only when you die.
Mandiri Mikro Sejahtera Plan Aman Jiwa
Manulife Amandira
Amandira Mikro is the cheapest term-life protection for Adira Finance borrowers.
Manulife Amandira Syariah
Manulife Asuransi Jiwa Kredit Pinjaman Properti Bank Danamon
This is a structural mortgage-protection product, not a wealth product.
Manulife Asuransi Jiwa Kredit Pinjaman Properti Bank Permata
This is the Bank Permata version of Manulife's mortgage-protection credit-life — structurally identical to the Danamon product but distributed through a different bank channel.
Manulife Danamon Credit Protection
Manulife Danamon Credit Protection is a monthly-premium credit card safety net for Bank Danamon cardholders.
Manulife Dynamic Life Assurance
Manulife Dynamic Life Assurance is the flexible whole-life answer to "I want my family covered for life, but I want to choose when I stop paying." It is a dwiguna (endowment-style) whole-life product offering three benefit plans (A, B, C),…
Manulife Dynamic Wealth Assurance
Manulife Dynamic Wealth Assurance is the flexible-horizon alternative to legacy-only whole-life.
Manulife Micredit Assurance Balance
MiCredit Assurance Balance is a monthly-premium credit-card protection product distributed by Bank DBS Indonesia for cardholders aged 18–64.
Manulife Mifirst Life Protector
Manulife MiFirst Life Protector is the return-of-premium term-life play.
Manulife Miprosper Assurance For Pension
Manulife Multigenerational Income Assurance + (Manulife Ultima +)
Manulife Perlindungan Pendidikan Syariah
Manulife Perlindungan Syariah Flexi
Manulife Primajaga 100
Manulife Proactive Plus
Manulife Protection Optimum Elite
Manulife Proteksi Prima Amanah
Manulife Proteksi Prima Andalan
Manulife Proteksi Prima Berkah
Manulife Proteksi Prima Perlindungan Andalan
Manulife Proteksi Prima Siaga
Manulife Proteksi Prima Warisan Terencana
Manulife Saving Plan Assurer
Maybank Credit Shield dari Allianz Maybank
Maybank Credit Shield is a monthly-renewing credit-life insurance that covers the cardholder's outstanding credit card balance in case of death or permanent disability.
MiTreasure Whole Life Legacy (DBS)
MiWealth Infinite Assurance
MyProtection Amanah
MyProtection Amanah is a Syariah answer to "I want protection to age 100 with upside potential, managed through my bank and aligned with Islamic principles." It is a unit-linked Syariah whole-life policy distributed exclusively through BTP…
MyProtection RENCANA Syariah
MyProtection RENCANA Syariah is a Sharia-compliant traditional life protection plan distributed exclusively through PT Bank Maybank Indonesia Tbk.
MyProtection Waris Syariah
MyProtection Waris Syariah is a Sharia-compliant traditional life endowment issued by Allianz Life Syariah Indonesia and distributed exclusively through PT Bank Maybank Indonesia Tbk.
Optima Protection Plus
Optima Protection Plus is AIA's BCA-channel premium-refund micro-policy.
PRO-LIFE JARIYAH-100
Solusi Kami
Proteksi Jiwa Maksima (JIMI)
AIA Proteksi Jiwa Maksima (JIMI) is a 20-year fixed-term life policy with a savings tail — distributed only through Bank BCA, sold with a single short payment window (Single / 2 / 5 / 10 years).
PROVESTA PRIME 110
Penyakit kritis bisa menyerang siapa saja dan kapan saja.
PRUAnugerah Syariah
PRUAnugerah Syariah is the Sharia answer to "I want to leave a blessed legacy and also see the money come back to me if I live." It is a long-duration Sharia traditional-life policy — coverage to age 120, premium-paying term of 5, 10, or 1…
PRUCinta
PRUCinta is Prudential Syariah's affordable, fixed-term Sharia life cover — 20 years of protection, 10 years of contributions, with a built-in maturity benefit and a distinctly Indonesian seasonal hook.
PRUFuture
Prudential PRUFuture is a flexible whole-life platform with two structural tiers — Plan Basic (no CI premium waiver) and Plan Waiver (includes 60 critical-illness conditions triggering premium exemption).
PRUHeritage Syariah
Perlindungan hari ini adalah pemberian berharga yang menjaga masa depan keluarga.
PRUMapan
PRUMapan is not a legacy product — it is a guaranteed retirement income product with a life cover layer.
PRUSmart Plan
PRUSmart Plan is a guaranteed-return endowment that flips the usual life-insurance pitch.
PRUTahapan Cemerlang
PRUTahapan Cemerlang is the Sharia answer to "I want money to arrive on schedule for my child's education milestones, and I want my family protected if I don't make it that far." It is a dwiguna (dual-purpose) Sharia traditional-life polic…
RIZQIA
RIZQIA is the Sharia "money-back term-life" — a 10-year Sharia term-life policy from Generali Indonesia where, if the participant survives the 10-year term, 100% of the contributions paid are returned.
Salam Hijrah Proteksi
Asuransi kesehatan dengan kontribusi terjangkau dan manfaat yang beragam.
Sinarmas Maxi Life
Whole life / endowment with flexible terms to age 55/60/75/100.
Smart Maxi Assurance
Whole life / endowment with flexible terms to age 55/60/75/100.
SmartLink Protection Life
SmartLink Protection Life is the protection-plus-growth answer for families who want permanent death cover but are comfortable with market-linked returns.
SmartProtection
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection BTPN Syariah Purnabakti
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection iB
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection KPR Bank Mestika
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection KTA (CIMB Niaga)
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection Mitraguna BSI
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection Mortgage KPR-HSBC
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
SmartProtection Pensiun Berkah BSI
SmartProtection is Allianz Life Indonesia's flagship single-premium term-life credit-cover product bundled with bank loans.
Smile Plan Maxima Syariah
Smile Plan Maxima Syariah is the straightforward Sharia answer to "I want permanent family protection built on Islamic principles, with a maturity payout if I live." It is a Sharia whole-life policy paying 100% of sum assured at death (any…
Smile Pro Infinite
Asuransi Jiwa Smile Pro Infinite is a whole-life insurance policy (Asuransi Jiwa Seumur Hidup) from Sinarmas MSIG Life that is built around a single, easy-to-explain promise: the policy pays 100% of the sum assured (Uang Pertanggungan) eit…
Smile Ultima Term Life
Smile Whole Life Protection
Smile Whole Life Protection is the endowment alternative to whole-life legacy products.
Sun Proteksi Cermat
Sun Proteksi Cermat is a 3-pay / 10-year endowment with a guaranteed return-of-premium tail.
Sun Proteksi Heritage 100
Sun Proteksi Heritage 100 is the limited-pay legacy plan for the customer who wants the money to come back while they are still alive — and still leave a full inheritance behind.
Sun Proteksi Jiwa
Sun Proteksi Jiwa is term life with a high-affluent floor.
Sun Proteksi Pintar
Sun Proteksi Pintar is a short-pay endowment built around certainty rather than upside.
Sun Proteksi Siap
Sun Proteksi Siap is a participating whole-life policy with a short-pay window.
Sun Proteksi Tepat
Sun Proteksi Tepat is a 5-pay / 20-year term-life with a guaranteed return at the end.
TM Idaman
TM Idaman is a Rupiah endowment — an "asuransi dwiguna" — that does two jobs with one premium.
TM Life Guard
TM Life Guard is a clean, no-frills 20-year term life plan from one of Legacy Income's own carriers.
TM Pasti
TM Pasti is the medium-term endowment answer to the customer who says: "I want protection while I'm building wealth, and I want my money back — with a structured gain — if I survive the term." It is a 10-year asuransi dwiguna (endowment) w…
TM Peace of Mind Plus
TM Peace of Mind Plus is a return-of-premium term life policy — and that single structural fact is the whole pitch.
TM Warisan
TM Warisan is the straightforward answer to "I want guaranteed protection for my family without complexity." It is a Rupiah term-life policy with regular premiums (terms of 5, 10, 15 years, or coverage to age 55, 60, 65, 70, 75, or 99 — cu…
Wealth Premier Protection (Premier Pro)
AIA Wealth Premier Protection (Premier Pro) is the BCA-bancassurance twin of AIA's Platinum Treasure — same mechanical chassis (10% sum-assured booster every 3 policy years, capping at 300% of original UP), same Rp 2 Miliar minimum UP, sam…
X-Term Protection
X-Term Protection
X-Tra Proteksi Cermat
X-Tra Proteksi Cermat merupakan produk asuransi jiwa berjangka terkini dengan yang menggabungkan proteksi dan kepastian nilai dana.
X-Tra Proteksi Cermat USD
Tenang Melangkah, Hidup Lebih Cermat
X-Tra Proteksi Optima Legacy
Perlindungan untuk generasi selanjutnya.
X-Tra Proteksi Tepat
Melangkah dengan tepat .
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