Categories / Unit-Linked
Unit-Linked
29 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: TM Link Investasiku, TM Link ProteksiKu, TM Link Wealth Accumulation, TM Link Wealth Enhancement, TM Maximum Investment Plan Plus — labelled for reference; the analysis itself is unbiased.
How Unit-Linked products differ
Still building · 55% 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.
Top-up (Premi Investasi Tunggal) minimum observed at Rp 1,500,000 (Sun Solusi Bijak)
PAYDI death benefit is typically 100% UP + investment value; UP set as a multiple of premium, not a fixed schedule
Observed: 99 · 100
Conventional PAYDI in this set run to age 99 (AIA MILA Plus, MVP, Bahagia Bersama) or age 100 (Sun Solusi Bijak)
Front-loaded acquisition charge is the dominant early-year drag and the root cause of weak years 1-5 surrender; industry-typical band for agency PAYDI is ~40-100% spread across years 1-3
Admin fee is flat-rupiah and erodes small funds proportionally more
Annual fund management charge; lower = better. Sharia siblings observed up to ~2.6% ujrah (2026-06-04 run)
Surrender/withdrawal is punitive in early years across the category; the year 1-5 trap is the central mis-selling exposure
Persistency bonuses partially offset front-loaded fees but only reward customers who do not surrender early
Analyst observations (9)
- Post POJK 5/2022 (PAYDI) era — every active unit-linked product carries Risk-Based Investment Allocation, Quality of Service Standard, Fund Disclosure obligations.
- Three structural archetypes: (a) Regular premium top-up (Maxi / SmiLink / Solusi Bijak family — most prevalent), (b) Single premium investment-oriented (X-Tra Invest / Maxima Anugerah family), (c) Hybrid term-payment with locked-in benefits.
- Acquisition-charge front-loading is universal: years 1-5 typically 80-110% of basic premium consumed by acquisition + admin in regular-premium PAYDI products. Post-Y5 acquisition drops to 0% — driving the well-known 'invest after year 5' guidance.
- Top-up premium is the conventional escape valve to avoid the acquisition-charge ratchet — typically 4-5% fee only, allocated 100% to fund.
- Sharia UL products use Akad Wakalah bil Ujrah (single-fee) or Wakalah + Tabarru' (split-fee) — both disclosed clearly in RIPLAY Akad sections.
- USD-denominated UL has narrow availability — primarily Sun Life X-Tra Wealth Link USD, Salam Hijrah Arafah USD; positioned for affluent cross-border (Singapore/JB-Iskandar) buyers.
- Premium holiday is universally supported but resets surrender-charge clock; CSV during holiday remains charged.
- Allianz LegacyPro (USD non-PAYDI life) sits adjacent to this category — competitive substitute when customer wants guaranteed-cash-value without market exposure.
- Insurer-level patterns: Manulife dominates the count (14 of 42), Sun Life and TMLI mid-tier (3-5), Sharia coverage thin (6 of 42).
Coverage caveat: Unit-linked (PAYDI) per-product detail extraction remains ~11-18% across the 55 catalogued unit-linked entries (agency + dual-channel). Cross-product comparison in Section 5 of any unit-linked brief produced this run relies on qualitative observation plus structured peer references: the three Sun Life Syariah PAYDI briefs (maxima-anugerah, salam-hijrah-amanah-prima, manulife-mismart-syariah) produced 2026-06-04, and the four conventional PAYDI products analysed this run (sun-solusi-bijak, aia-bahagia-bersama, aia-mila-plus, aia-maxi-value-protection). Quantitative population statistics will firm up once unit-linked PDF coverage exceeds 60%. (sample: ~10 products)
AIA Bahagia Bersama
AIA Bahagia Bersama ("Happy Together") is sold as a whole-of-life unit-linked plan that accompanies the customer through every life stage.
Asuransi Brilliance Spektra Invest
Asuransi Brilliance Spektra Invest adalah asuransi jiwa dan investasi dengan perlindungan jiwa dan perencanaan finansial.
Asuransi Jiwa Smile Flexi Link
Unit-linked life insurance offering flexible protection covering life, health riders, and critical illness in one policy.
Asuransi Jiwa Smile Optima Flexilink
PAYDI (unit-linked/investment-linked) life insurance product offering flexible coverage with investment fund choices.
Asuransi Mandiri Elite Plan - Protection
Rencanakan masa depan dengan perlindungan jiwa yang dikaitkan dengan investasi (PAYDI) hingga usia 100 tahun.
Asuransi Mandiri Elite Plan Syariah - Prime
Asuransi Mandiri WealthSignature USD - Plan Protection
Asuransi Mandiri Wealth Signature USD - Protection, merupakan Asuransi Dwiguna Kombinasi yang memberikan perlindungan jiwa berupa Manfaat Meninggal Dunia hingga 1.200% Premi Dasar tahunan serta manfaat hidup berupa Manfaat Akhir Masa Asura…
Asuransi Mandiri WealthSignature USD - Plan Saving
Asuransi Mandiri Wealth Signature USD hadir sebagai solusi elegan bagi Anda yang ingin menjaga stabilitas nansial sekaligus mendapat perlindungan jiwa dalam mata uang Dolar Amerika Serikat (USD), melindungi orang-orang tercinta dengan pere…
Asuransi Maxima Anugerah
Asuransi Maxima Anugerah is the pilgrimage-protection sharia unit-link.
Asuransi Salam Anugerah Ikhtiar
Asuransi Salam Anugerah Ikhtiar is Sun Life Syariah's family-package PAYDI — a Sharia unit-linked whole-of-life structure where one policy covers a husband, a wife, and up to two children under a single contract running to the first partic…
Asuransi Salam Hijrah Amanah Prima
ASHA Prima is the pilgrimage-anchored sharia answer to "I want my family protected and my Hajj/Umrah journey covered, in a fully sharia structure." It is a sharia unit-linked policy (PAYDI) with a 5-year payment window and 25-year coverage…
Asuransi Salam Hijrah Arafah USD
Asuransi Salam Hijrah Arafah USD is the dedicated Hajj-savings unit-linked Syariah product, priced in dollars.
Asuransi Sun Solusi Bijak
Sun Solusi Bijak is Sun Life Indonesia's flagship regular-premium unit-linked policy — a lifelong protection-plus-investment wrapper that runs to age 100 and lets the customer pick from four investment sub-funds (money market to all-equity…
Asuransi Sun Solusi Bisa
Sun Solusi Bisa, unit link premi tunggal dengan perlindungan 85 tahun, bebas biaya dan manfaat kecelakaan.
Mandiri Elite Plan Prime
Manulife Mismart Insurance Solution Syariah
MiSSION Syariah is Manulife's sharia unit-linked flagship — a PAYDI (investment-linked insurance) wrapped in a takaful (mutual-aid) structure.
Maxi Infinite Link Assurance Plus (MILA PLUS)
MILA Plus is AIA's flagship "Infinite" unit-linked product — a regular-premium investment-linked policy (PAYDI, Premi berkala) distributed both through AIA agents and, prominently, through BCA bank branches (bancassurance).
Maxi Value Protection
AIA Maxi Value Protection (MVP) is a protection-led PAYDI — a regular-premium unit-linked life policy whose real selling point is not the investment account but the health and critical-illness rider ecosystem AIA hangs off it.
PRULink Investor Account
PRULink Investor Account membantu kelola investasi unit link secara fleksibel sesuai tujuan finansial.
PRULink NextGen
PRULink NextGen menawarkan proteksi jiwa yang dikaitkan investasi dengan 8 manfaat utama.
PRULink NextGen Syariah
Yakin Melangkah untuk perlindungan masa depan keluarga Anda
PRULink Syariah Investor Account
Menjadi sehat bisa berikan kamu kesempatan miliki perlindungan komplit karena SehatPangkalBisa dengan Asuransi Tambahan Kesehatan PRUWell Health Syariah memiliki fitur PRUWell sebagai reward berupa k
Sinarmas Optima Plus
Smile Wealth Guard Syariah
Smile Wealth Guard Syariah is a Syariah endowment, not a Syariah unit-linked.
TM Link Investasiku
TM Link ProteksiKu
TM Link Wealth Accumulation
TM Link Wealth Enhancement
TM Maximum Investment Plan Plus
No products match these filters.