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. From Year 7 onward, 100% of the base regular premium goes into the investment account — zero acquisition cost on the investment portion — while the cost-of-insurance is paid as a separate Premi Risiko line that does not erode the investment pot. Coverage runs to age 80, 85, 90, or 99 (customer chooses); pay term is 10, 15, or 20 years. A Loyalty Bonus is paid as a one-time top-up at the end of Years 10, 15, and 20 — cumulatively 20%, 60%, and 120% of the Year-1 base premium (200% total if all three milestones are reached and qualifications are kept). Three investment fund options (cash, fixed income, Indonesian equities) cover the standard risk-return spectrum.

In one line: Pay 10/15/20 years; from Year 7 every rupiah of your base premium funds the investment account; collect three loyalty top-ups at policy years 10/15/20; protection guaranteed to age 99 if you stay qualified.

The structural distinctiveness versus the rest of the agency unit-linked shelf is the separated premium architecture — Premi Risiko (cost of insurance) and Premi Investasi (investment portion) are billed and accounted for separately, and the acquisition charge ramps off in Years 4–6 instead of typical 8–10 year acquisition curves seen in older unit-link generations. The Loyalty Bonus is genuinely additive (not netted from death benefit) and is delivered as Premi Top Up Sekaligus with zero acquisition charge.

---

The official Generali illustration in the RIPLAY uses Bapak Nasabah, 35-year-old male, Rp 500M sum assured, 10-year pay term, coverage to age 99, annual pay, Rp 12M total annual premium. Decoded:

Critical insight for the agent narrative: the headline feature is the separated premium architecture. In older-generation unit-linked products, the same single premium funded both the cost of insurance AND the investment account, and acquisition charges came off the top of investment allocation. GEN Prime Link separates them: Premi Risiko is its own line, billed transparently, and the investment account is funded from a separate Premi Investasi line whose allocation grid is fully disclosed. By Year 7, the investment account is receiving 100% of the Premi Investasi rupiah.

Caveat — the surrender curve is harsh in Years 1–5. A separate surrender charge applies if the customer withdraws the investment account derived from Premi Investasi: 80% Y1, 60% Y2, 40% Y3, 20% Y4, 10% Y5, 0% from Y6. Combined with the early-year acquisition charge, a lapse before policy year 6 destroys customer capital. The 72-month (6-year) mandatory premium period codifies this.

Caveat — the -1% scenario shows policy value going DOWN. Even at the assumed -1% (a negative return scenario), policy value rises to ~Rp 64M at Year 20 then declines to ~Rp 41M at age 99. This is the cost-of-insurance escalation working against fund value as the insured ages. Agents must not represent the illustration as a guarantee; the -1% column exists precisely to show what happens when fund returns disappoint.

---

Sweet Spot — Lead with GEN Prime Link

• Age 30–45, with 20–60 year wealth-building horizon ahead, comfortable with market-linked returns
• Household income Rp 15M–40M/month, already has medical insurance, looking to layer in life-plus-investment
• Wants the flexibility unit-link offers: top-ups, switching between funds, withdrawal access after the surrender-charge tail wears off (Year 6+)
• Tolerates market volatility; understands that policy value is not guaranteed and that the displayed -1%/0%/5%/10% scenarios are not promises
• Wants protection to age 90 or 99, not just to 60 or 70 — the long-horizon coverage with finite payment window is a structural fit
• Disciplined about premium payment for the first 72 months (mandatory pay window); has stable cash flow during the 10/15/20-year pay term

Borderline Fit — Discuss but qualify carefully

• Age 46–55 — coverage to age 99 still possible but the cost-of-insurance escalation steepens after age 60 and erodes fund value faster. Run the negative-scenario illustration prominently; consider the 10-year pay term + age-80 or age-85 coverage as a more honest fit than age-99.
• Customers primarily seeking investment returns — they may be better served by a pure mutual-fund product (reksa dana) with no insurance load. Unit-linked carries a structural cost (the Premi Risiko line); justify by the insurance need first, then the investment vehicle. If insurance is not actually needed, do not write this case.
• Customers wanting USD optionality — GEN Prime Link is IDR only. Refer USD-seeking prospects to Allianz LegacyPro USD or other USD-capable carriers.
• Customers wanting critical illness or premium waiver protection — these are available only as paid riders (Critical Illness Accelerated, Critical Illness Additional, Waiver of Premium Full/Basic, Payor Spouse/Parent, GEN MediCare Protection). Discuss the rider stack honestly; CI is not baked into the base policy.
• Parents buying for very young children — the child <4 partial-benefit reduction applies (20/40/60/80% scaling by age); disclose explicitly. The mandatory 72-month payment also applies to the buying parent’s cash flow planning.

Do Not Pitch

• Customers without a medical card — sell health first; this is not a health product.
• Customers with weak or volatile cash flow during the 10/15/20-year pay term — a lapse inside the 72-month mandatory pay window destroys capital. Term life or a single-premium product is the correct alternative for these prospects.
• Customers who explicitly distrust unit-linked due to past mis-selling — do not push back. Acknowledge the history (the 2018–2023 Indonesian unit-link reputation crisis is real), and offer a traditional-life alternative (iFLEXYGUARD, BeSmart Cemerlang Prime). Forcing a unit-linked sale onto an unconvinced customer is the classic mis-selling pattern.
• Mass-middle customers below Rp 3.6M annual budget — that is the published minimum base premium; smaller cases will not be priced.
• Customers seeking pure-investment risk-taking without an insurance need — they should buy reksa dana or an investment product directly, not a PAYDI.

---

Rule of thumb: if the customer’s first sentence contains “investasi” PLUS “proteksi jiwa juga ada” (investment plus life cover) AND they are under 45 with stable cash flow and a willingness to discuss market scenarios honestly, GEN Prime Link is in the conversation. If they say only “investasi” or only “proteksi,” there is a cleaner-fit product elsewhere. The bundle product makes sense when both legs (the protection and the investment) are real needs — not when one is a wrapper for the other.

---

Drawn from qualitative review against catalogued agency unit-linked products. The category PDF coverage is 45% per the 2026-05-08/05-11 recompute, so quantitative benchmarking is limited; comparisons below are descriptive and structural.

Confidence note: structural-dimension claims are high-confidence (drawn directly from the RIPLAY/brochure documents). Quantitative peer comparison is constrained by the unit-linked category’s 45% PDF coverage in the master-log; refresh trigger is when category metric-level coverage exceeds 60% and a parsed peer benchmark is available.

---

Opening — establish the right frame

“Most unit-linked products you see on the market mix your insurance cost and your investment money into one premium. You see one big number going in, and you don’t really know what part of it goes to which pot. GEN Prime Link splits them. You see your insurance cost on one line, your investment money on a second line, and you can track the two independently. That’s the conversation I want to start — how a transparent unit-link product compares to what you’ve seen before.”

“Kebanyakan produk unit-linked di pasaran itu campur biaya asuransi dan uang investasi jadi satu premi. Anda lihat satu angka besar masuk, tapi tidak tahu pasti bagian mana yang ke kantong mana. GEN Prime Link pisah dua-duanya. Anda lihat biaya asuransi di satu baris, uang investasi di baris kedua, dan dua-duanya bisa Anda track masing-masing. Itu yang ingin saya diskusikan — bagaimana produk unit-link yang transparan ini bandingannya dengan yang Anda lihat sebelumnya.”

The separated-premium architecture pitch (structural value prop)

“Here’s the structure. Your annual base premium has two parts. The first part is Premi Risiko — that’s your cost of life insurance, paid to Generali for the Rp 500 million death benefit. The second part is Premi Investasi — that’s your investment portion. In years 1 to 3, 40% of Premi Investasi covers the agent and admin acquisition charge, and 60% goes into the fund. By years 4 to 6, the acquisition drops to 20%. From year 7 onward, 100% of your Premi Investasi goes into the fund — zero acquisition. After year 10 you stop paying entirely, and the fund value continues to be managed by Generali. This is much cleaner than older-generation unit-linked products.”

“Begini strukturnya. Premi tahunan Anda ada dua bagian. Bagian pertama Premi Risiko — itu biaya asuransi jiwa Anda, dibayar ke Generali untuk uang pertanggungan Rp 500 juta. Bagian kedua Premi Investasi — itu porsi investasi Anda. Di tahun 1 sampai 3, 40% dari Premi Investasi nutup biaya akuisisi agen dan admin, 60% masuk fund. Di tahun 4 sampai 6, akuisisinya turun ke 20%. Mulai tahun 7, 100% Premi Investasi Anda masuk ke fund — tanpa potongan akuisisi. Setelah tahun 10 Anda sudah tidak bayar lagi, dan nilai fund-nya terus dikelola Generali. Jauh lebih bersih dari unit-linked generasi lama.”

The Loyalty Bonus pitch (close the structure)

“On top of the investment allocation, the policy pays you a Loyalty Bonus at three milestones — end of year 10, year 15, and year 20. The amounts are 20%, 60%, and 120% of your first-year base premium. So if your first-year premium is Rp 12 million, you receive Rp 2.4 million at year 10, Rp 7.2 million at year 15, and Rp 14.4 million at year 20 — Rp 24 million total. The bonus is paid as a top-up into your investment account at zero acquisition charge, so it compounds for the rest of the policy. There are conditions: you have to pay premiums on time, you can’t take a premium holiday, you can’t reinstate the policy, you can’t claim premium waiver, and you can’t have withdrawn from the base investment premium. Stay disciplined and the bonus is yours.”

“Di atas alokasi investasi, polis ini bayar Bonus Loyalitas di tiga milestone — akhir tahun 10, tahun 15, dan tahun 20. Besarnya 20%, 60%, dan 120% dari premi tahun pertama Anda. Jadi kalau premi tahun pertama Rp 12 juta, Anda terima Rp 2,4 juta di tahun 10, Rp 7,2 juta di tahun 15, dan Rp 14,4 juta di tahun 20 — total Rp 24 juta. Bonusnya masuk sebagai top-up ke investasi Anda tanpa potongan akuisisi, jadi terus berkembang di sisa polis. Ada syaratnya: bayar tepat waktu, tidak boleh cuti premi, tidak boleh ada pemulihan polis, tidak boleh klaim pembebasan premi, dan tidak boleh tarik dari premi investasi dasar. Disiplin, bonusnya jadi milik Anda.”

The honest scenario walk (compliance-positive close)

“Now the part I always cover before anyone signs. This is unit-linked, which means policy value depends on how the fund performs. The RIPLAY shows you four scenarios — minus 1%, zero, plus 5%, and plus 10%. At minus 1%, your policy value at age 99 is around Rp 41 million on Rp 120 million paid in — that’s a loss. At plus 5%, it’s Rp 1.1 billion. At plus 10%, it’s Rp 17 billion. The point is not to promise the high number. The point is to make sure you see the low number too, and that the choice you make is informed. The death benefit of Rp 500 million is what you’re guaranteed regardless of fund performance. Anything above that is upside, and upside is never promised. Are you comfortable with this spread?”

“Sekarang bagian yang selalu saya bahas sebelum tanda tangan. Ini unit-linked, artinya nilai polis tergantung kinerja fund. RIPLAY menunjukkan empat skenario — minus 1%, nol, plus 5%, dan plus 10%. Di minus 1%, nilai polis di usia 99 sekitar Rp 41 juta dari Rp 120 juta yang Anda setor — itu rugi. Di plus 5%, jadi Rp 1,1 miliar. Di plus 10%, jadi Rp 17 miliar. Saya bukan mau janji angka yang tinggi. Saya mau pastikan Anda lihat angka yang rendah juga, dan keputusan Anda diambil dengan paham. Manfaat meninggal Rp 500 juta — itu yang dijamin terlepas kinerja fund. Selebihnya potensi upside, dan upside tidak pernah dijamin. Anda nyaman dengan rentang seperti ini?”

—

1. “I’ve heard bad things about unit-linked — friends lost money.”

Customer “Saya dengar yang jelek-jelek tentang unit-linked — teman saya rugi.”

Don't say “That product was different.” — dismissive; the customer feels unheard.

Don't say “Produk itu beda.”

Do say “Your friends’ experience is real and I won’t argue with it. The unit-linked complaints in 2018 to 2022 happened because customers didn’t see the acquisition charge, didn’t understand the surrender penalty, and were sold the product when fund returns failed to cover the cost of insurance. OJK responded by tightening the rules in SEOJK 5/2022, and PAYDI products today are required to disclose all charges, run all four scenarios including the negative one, and confirm in writing that the customer understands them. GEN Prime Link follows those rules. I am required to walk you through the negative scenario before you sign. I’d rather lose this sale today than create a complaint in five years. If after reviewing the negative scenario you still don’t want to proceed, we move to a traditional-life product instead.”

Do say “Pengalaman teman Anda nyata dan saya tidak akan bantah. Keluhan unit-linked di 2018 sampai 2022 terjadi karena nasabah tidak lihat biaya akuisisi, tidak paham penalti surrender, dan dijual saat hasil fund tidak nutup biaya asuransi. OJK merespon dengan ketatkan aturan di SEOJK 5/2022, dan produk PAYDI sekarang wajib disclose semua biaya, tampilkan keempat skenario termasuk yang negatif, dan minta konfirmasi tertulis bahwa nasabah paham. GEN Prime Link ikut aturan itu. Saya wajib bawa Anda lihat skenario negatif sebelum tanda tangan. Saya lebih baik kehilangan transaksi ini hari ini daripada bikin keluhan lima tahun lagi. Kalau setelah review skenario negatif Anda masih tidak mau lanjut, kita pindah ke produk traditional-life.”

—

2. “What if the fund value drops below my premium total?”

Customer “Bagaimana kalau nilai investasi turun di bawah total premi yang saya bayar?”

Don't say “That won’t happen.” — false promise.

Don't say “Itu tidak akan terjadi.”

Do say “It can happen, and the RIPLAY shows exactly when it does. In the minus 1% scenario, your policy value at age 99 is about Rp 41 million, against Rp 120 million paid in. That’s a real loss in the bad-return path. Here’s what protects you. First, the Rp 500 million death benefit is paid regardless of fund value — if anything happens to you, your family receives Rp 500 million even if the fund is depleted. Second, the Loyalty Bonus top-ups at year 10, 15, and 20 add to the fund value without charges, helping the math. Third, you can switch funds at any time — 5 free switches per year — so if cash fund returns weaken, you move to fixed income or equity. The control is yours. But you must not pretend the downside doesn’t exist.”

Do say “Bisa terjadi, dan RIPLAY tunjukkan persis kapan. Di skenario minus 1%, nilai polis di usia 99 sekitar Rp 41 juta, dari Rp 120 juta yang Anda setor. Itu rugi nyata di jalur return buruk. Yang lindungi Anda begini. Pertama, manfaat meninggal Rp 500 juta dibayar terlepas kinerja fund — kalau ada apa-apa, keluarga terima Rp 500 juta walaupun fund habis. Kedua, top-up Bonus Loyalitas di tahun 10, 15, 20 tambah nilai fund tanpa potongan biaya, bantu matematikanya. Ketiga, Anda bisa pindah fund kapan saja — 5 switching gratis per tahun — jadi kalau cash fund melemah, Anda pindah ke fixed income atau saham. Kendalinya ada di Anda. Tapi Anda tidak boleh pura-pura downside-nya tidak ada.”

—

3. “Why are the acquisition charges so high in early years?”

Customer “Kenapa biaya akuisisi di tahun-tahun awal tinggi sekali?”

Don't say “That’s how all unit-linked products work.” — true but unsatisfying.

Don't say “Semua unit-linked memang begitu.”

Do say “Fair question. The acquisition charge in years 1 to 6 pays for the agent commission, the underwriting, the policy issuance, and the administrative setup. The honest version is that this is how the unit-linked industry compensates the distribution channel — including me. What I’ll point out is that GEN Prime Link’s curve is shorter than many older products. By year 7, the acquisition is zero, and 100% of your investment premium goes into the fund. Older unit-link products often had 10-year acquisition curves. So you pay the channel cost upfront in years 1–6, and from year 7 you compound on the full premium. The trade-off works if you stay the full term. It breaks if you lapse in years 1 to 5, which is why the 72-month mandatory pay window exists — it forces the question ‘are you in this for the long haul?’ before anyone signs.”

Do say “Pertanyaan yang fair. Biaya akuisisi di tahun 1 sampai 6 nutup komisi agen, underwriting, penerbitan polis, dan setup admin. Versi jujurnya, ini cara industri unit-linked bayar jalur distribusi — termasuk saya. Yang saya tunjukkan, kurva GEN Prime Link lebih pendek dari banyak produk lama. Di tahun 7, akuisisinya nol, dan 100% premi investasi Anda masuk fund. Produk unit-linked lama sering punya kurva 10 tahun. Jadi Anda bayar biaya channel di muka di tahun 1–6, dan dari tahun 7 compound penuh premi. Trade-off ini bagus kalau Anda jalan penuh masa polis. Jadi rugi kalau Anda lapse di tahun 1 sampai 5, makanya ada masa wajib bayar 72 bulan — supaya pertanyaan ‘apakah Anda commit jangka panjang’ diangkat sebelum tanda tangan.”

—

4. “What if I need to stop paying premiums early?”

Customer “Bagaimana kalau saya harus berhenti bayar premi lebih awal?”

Don't say “You can’t stop.” — false; it’s just expensive.

Don't say “Tidak bisa berhenti.”

Do say “You can — but I want to be clear about the cost. The first 72 months of premiums are mandatory. If you stop within that window, the policy can lapse and you lose the cover entirely along with most of the value paid in. After the 72 months, you can apply for Cuti Premi (a premium holiday), and the policy stays alive as long as the fund value can cover the cost-of-insurance and any rider premiums. If the fund runs out, cover ends. After year 6 the surrender penalty drops to zero, so you can withdraw or surrender without a withdrawal charge. The honest answer is: if your cash flow is uncertain over the next 6 years, this is the wrong product. Look at a term life with a separate mutual fund instead — much cheaper, far more forgiving.”

Do say “Bisa — tapi saya mau clear soal biayanya. 72 bulan pertama wajib bayar. Kalau berhenti di dalam window itu, polis bisa lapse dan Anda hilang cover penuh ditambah kehilangan sebagian besar nilai yang sudah Anda setor. Setelah 72 bulan, Anda bisa ajukan Cuti Premi, dan polis tetap hidup selama nilai fund cukup nutup biaya asuransi dan premi rider. Kalau fund habis, cover berakhir. Setelah tahun 6, penalti surrender nol, jadi Anda bisa tarik atau tebus tanpa biaya tarik. Jawaban jujurnya: kalau cash flow Anda tidak pasti 6 tahun ke depan, ini bukan produk yang tepat. Lihat term life plus reksa dana terpisah — jauh lebih murah, jauh lebih fleksibel.”

—

5. “How is this different from just buying mutual funds plus term insurance separately?”

Customer “Apa bedanya dengan beli reksa dana plus term insurance terpisah?”

Don't say “Unit-linked is better.” — not always true, and you shouldn’t claim what you can’t prove.

Don't say “Unit-linked lebih bagus.”

Do say “Honest answer: for some customers, buy-term-and-invest-the-difference is the right answer. The reasons to choose GEN Prime Link over the do-it-yourself stack are (1) single document, single policy admin, single agent — you don’t manage two products; (2) Loyalty Bonus top-ups, which a separate stack doesn’t give you; (3) the cost-of-insurance is locked in based on your age today, so as you age, the term life policy you might renew separately gets more expensive while GEN Prime Link’s Premi Risiko was set at policy issue; (4) tax treatment differs — discuss with your accountant. The reasons to choose the do-it-yourself stack are (1) cheaper, often materially cheaper; (2) more flexible fund choices; (3) cleaner separation if you want to terminate one leg but not the other. Both are valid choices. Which feels closer to how you want to manage this?”

Do say “Jawaban jujur: untuk sebagian nasabah, beli term life plus invest sendiri di reksa dana memang jawaban yang tepat. Alasan pilih GEN Prime Link dibanding rakit sendiri adalah (1) satu dokumen, satu admin polis, satu agen — tidak perlu kelola dua produk; (2) top-up Bonus Loyalitas, yang tidak Anda dapat di rakitan sendiri; (3) biaya asuransi dikunci di usia Anda sekarang, jadi seiring waktu term life kalau Anda perpanjang sendiri jadi lebih mahal sementara Premi Risiko GEN Prime Link sudah ditetapkan saat polis terbit; (4) treatment pajak berbeda — diskusikan dengan akuntan. Alasan pilih rakitan sendiri adalah (1) lebih murah, sering jauh lebih murah; (2) pilihan fund lebih fleksibel; (3) pisahan yang lebih bersih kalau Anda mau berhenti satu kaki tapi tidak yang lain. Dua-duanya pilihan valid. Yang lebih dekat dengan cara Anda mau atur ini?”

—

These are the issues most likely to trigger an OJK complaint or customer churn-back in 2026 under SEOJK 5/SEOJK.05/2022 (PAYDI) rules. Build agent training around avoiding all seven.

1. Classification mismatch in our internal catalog. Our master-log currently has GEN Prime Link as traditional-life. The RIPLAY explicitly says Jenis Produk: Asuransi PAYDI – Unit Link. Update the master-log to unit-linked. This is internal hygiene but matters because it controls which category benchmarks the product is compared against in future briefs.

2. Illustration scenarios must be presented in full, including the negative. SEOJK 5/2022 requires PAYDI agents to walk the customer through all four scenarios — -1%, 0%, +5%, +10% — and obtain a signed acknowledgment that the customer understands fund value is not guaranteed. Agents who lead only with the +10% column will create a future complaint when actual returns fall below it. Walk the negative column first; the optimistic columns second.

3. Loyalty Bonus qualification rules must be disclosed at SPAJ. The five disqualifying conditions (premium holiday, reinstatement, premium waiver claim, withdrawal from base investment premium, late payment) eliminate the bonus entirely. Customers who think the bonus is automatic will create complaints at year 10 if they don’t receive it. Document the qualifications at the SPAJ stage; have the customer initial that they understand.

4. Cost-of-insurance escalation at senior ages. The Premi Risiko is age-banded. As the insured ages past 60 and 70, the cost-of-insurance escalates, and the fund value must cover it through the policy’s later decades. The -1% scenario in the RIPLAY shows this dynamic — fund value declines from Year 20 peak (Rp 64M) to Year 65 (Rp 41M) precisely because cost-of-insurance exceeds investment return. Agents must explain this; the bull-case illustration alone does not.

5. Mandatory 72-month payment window. Lapse within the first 6 years destroys the policy and most of the customer’s capital. If the customer’s cash flow has any material risk over 6 years (income volatility, business cycle, household change), refer them to a term-life-plus-mutual-fund stack instead. Forcing the case is the classic mis-selling pattern.

6. Surrender penalty curve disclosure. Y1=80%, Y2=60%, Y3=40%, Y4=20%, Y5=10%, Y6+=0%. The customer must see this table at SPAJ. Withdrawal in Year 1 returns 20% of the withdrawn amount to the customer. Agents must not represent this as “your money is always yours.”

7. Free-look period (14 calendar days). Customers may cancel within 14 days of receiving the policy and recover premiums paid minus administrative cancellation fee and medical-check fee. If the customer signed the SPAJ with a Premi Investasi-during-Free-Look authorisation, then the refund includes any investment gain or loss during the period. This is a customer-protection feature; agents must inform the customer this option exists and not discourage its use.

---

---

1. Update master-log classification. Mark GEN Prime Link as unit-linked, not traditional-life. This corrects the queue intake. Trigger Section 5 benchmarking against the unit-linked peer set rather than against traditional-life going forward. Owner: scheduled-task pipeline. Deadline: next pipeline run after this brief is delivered.

2. Build a “Negative Scenario Walk” customer handout in EN + ID. The single highest-leverage compliance investment for any PAYDI product is forcing the agent to walk the -1% column before the +10% column. One page, three panels: (a) what the -1% scenario means; (b) what protects the customer in that scenario (death benefit + Loyalty Bonus + fund switching); © when this product is the wrong fit. Every prospect initials it at SPAJ stage. Deadline: 2026-05-26.

3. Develop the “separated premium architecture” positioning deck. Five slides contrasting GEN Prime Link against (a) older-generation legacy unit-link still on the market (bundled premium, longer acquisition tail); (b) traditional-life siblings (iFLEXYGUARD, BeSmart Cemerlang Prime) for customers who want guarantees; © the term-life-plus-mutual-fund stack for customers who can self-manage. Outcome: agents understand exactly which conversation to have based on the customer’s first three sentences. Deadline: 2026-06-02.

4. Loyalty Bonus disqualification field-test. The five qualifications eliminate the bonus entirely if any one is breached. Survey 5 Legacy Income agents on how they currently brief customers — find the failure mode. Write a one-paragraph script per qualification that the agent uses at SPAJ. Deadline: 2026-05-30.

5. Refresh trigger. When the Indonesia Life Insurance Market Intelligence project’s unit-linked category metric-level coverage (acquisition charge curves, surrender penalty curves, fund management fees) exceeds 60%, re-run this brief against an actual quantitative benchmark. Until then, this brief stands as the primary internal reference for GEN Prime Link in the agent-training stack.

---