Traditional Life / Sun Life Indonesia
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.
★ The Insurer’s Play
analytical interpretationWhy this product exists
To lock in long-dated, predictable protection premiums — specifically, to sell a private "speed layer" sitting above public BPJS cover.
What the insurer wants the agent to do
Steer the agent to position it as a fast private top-up to BPJS, not a replacement and attach and upsell supplementary riders.
Inferred from: BPJS positioningrider attachment
Our read of the insurer’s design intent — not their stated words. Use it to judge fit, not as a fact about the policy.
Who this fits — and who it doesn’t
Fit guidance becomes available once this product has a Strategic Brief.
Key facts
Coverage
- Sum assured: outstanding billed balance, capped per card type
- Policy term: 1 year, renewable to age 65
- Payment term: monthly
Premium
- Tariff for ages 17-35: 0.64% basic + 0.15% additional rider tier
- Tariff for ages 36-64: 0.69% basic + 0.17% additional rider tier
- Basic tier applies to outstanding balance; additional tier applies to recurring billing balance
- Premium auto-debited from cardholder’s CIMB Niaga card
Target Customer
Holders of CIMB Niaga credit cards, ages 17 to 64.
Key Features
- Three-pronged risk cover: death, total permanent disability, critical illness
- Annual auto-renewal, no fresh underwriting at renewal
- Coverage extends to standing recurring-bill obligations on the card
Expert · technical detail
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)
Expert · full Strategic Brief
No Strategic Brief yet for this product — analysis pending.
Switch to Expert (top-right) for the full 10-section brief, benchmarks, compliance flags, and source documents.