X-Tra Proteksi Cermat Saver

No 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.

• Four structural sub-types coexist in the agency endowment shelf: return-of-premium term endowments, staged-cash dwiguna endowments, whole-of-policy endowments, and investment-linked savings-endowment hybrids.
• Premium payment terms are uniformly short-pay: 3-10 years, with 5-6 years the most common; single-pay and to-age-X options appear on a minority of products.
• Coverage horizon spans 8 years (mass-market ROP endowments) to to-age-79 (whole-of-policy endowments); medium-term (8-20 year) horizons dominate.
• The living / maturity benefit is the category's defining feature and ranges from 100% return-of-premium (mass-market) up to staged cash totalling 150-360% of the savings base (premium-tier dwiguna).
• Death benefit is defined two ways: as a percentage of total premiums paid (modern ROP endowments, ~110%) or as a percentage of the sum assured / Santunan Asuransi (traditional dwiguna, 100%). A Rp 2bn death-benefit cap recurs across several products.
• Currency is IDR-dominant; USD is offered on a small premium-tier minority (TMLI TM Global SavePro, Sun Life Sun Prosperity Prime).
• Three of 14 agency endowment products are Syariah (Salam Anugerah Harapan, RAYA Pro Maxima, Manulife Perlindungan Diri Syariah); all use Akad Hibah Mu'allaqah bi al-Syarth + Tabarru' + Wakalah bil Ujrah, with the maturity payout framed as Manfaat Hibah = Faktor Bonus x annual contribution and Surplus Underwriting sharing.
• Endowment economics are structurally weaker than pure protection on per-rupiah death cover: the savings/maturity component absorbs premium, so customers comparing to term life will see a much lower death-benefit multiple.

Coverage caveat: First endowment benchmark — category unlocked for analysis 2026-05-24 (manual gating override: 7 agency insurers meets the 7-insurer minimum; coverage_percent bug worked around). Endowment is structurally heterogeneous: (a) return-of-premium term endowments (100% premium returned at a milestone year), (b) staged-cash 'dwiguna' endowments (Manfaat Tahapan / annual living benefit), (c) whole-of-life endowments maturing at a high age, and (d) investment-linked savings-endowment hybrids. Aggregate quantitative benchmarking across these four sub-structures is misleading; sub-structure qualitative comparison is preferred. Premium is quoted off age/sex/SA/term matrices not published in brochures, so premium metrics fall well below the 60% coverage threshold. Briefs rely on qualitative comparison plus direct PDF reading. ~4 of 14 agency products have deep structural extraction this run. (sample: ~11 products)