TM Idaman

TM Idaman is a Rupiah endowment — an “asuransi dwiguna” — that does two jobs with one premium. It pays 100% of the sum assured if the insured dies during the term, and it pays the same 100% as a lump sum if the insured is still alive at a chosen maturity age (the “Usia Idaman”). Either way, the family receives the full face amount once.

This is the product for a client who wants protection but quietly resents “paying for nothing if I survive.” With TM Idaman, surviving is the plan, not the disappointment. The policyholder picks a finish line — age 55 through 99 — and pays premiums for a short, defined window of just 5, 10, or 15 years. The cover then runs to the maturity age they chose, long after the paying stops.

It is backed by Tokio Marine, a Japanese group operating since 1879 across 38 countries, present in Indonesia since 2012 and OJK-licensed. For a Legacy Income agent, this is a credibility-forward sale: short payment commitment, a guaranteed maturity payout, and a name the client can look up. The trade-off is honesty about cost — endowment premiums are far heavier than pure-protection premiums, because the client is funding a savings bucket, not just insurance. Lead with the discipline-and-certainty story, not a returns story.

Sweet Spot — pitch with confidence

• Age roughly 30–50, stable income, who dislikes the idea of “pure insurance” where survival means no payout. The maturity guarantee closes this person.
• Parents wanting a dated lump sum — a child’s university year, their own semi-retirement — with death cover for the family in the meantime. The brochure’s own example is a 40-year-old father securing both.
• Disciplined savers who want a forced-savings structure with a hard maturity date they cannot easily raid.
• Clients who value brand security and will respond to Tokio Marine’s 1879 heritage and global footprint.
• Higher-income clients comfortable with premiums in the tens of millions per year for a Rp1bn face amount.

Borderline Fit — qualify hard first

• Tight-budget families needing maximum death cover per Rupiah. They can be served, but a pure-protection or term product gives far more cover for the same outlay. Only pitch TM Idaman if the savings discipline is the actual goal.
• Clients near the upper entry age (60s). Eligible to 70, but the maturity window narrows and premiums climb — confirm the payout horizon still makes sense.
• Anyone seeking “investment returns.” TM Idaman returns the face amount at maturity, not a market-linked gain — set expectations before, not after.

Do Not Pitch

• Insured under 18 or over 70 (outside entry age).
• Buyers who cannot sustain 5–15 years of premium. An early surrender returns only a partial premium refund (starts at 50%) and destroys the value proposition.
• Pure income-protection or medical-cover seekers — this is an endowment, not a health or income product.
• Anyone who needs the money to stay liquid; this is a commit-and-hold instrument.

Opening

Most insurance feels like a bet you hope to lose —

you pay, and if nothing happens, the money is gone. TM

Idaman is built the other way. If something happens to you,

your family receives the full amount. If nothing happens

and you reach the age you chose, you receive the full

amount yourself. There is no losing scenario here.

Kebanyakan asuransi rasanya seperti taruhan yang

kita harap kalah — kita bayar, kalau tidak terjadi apa-apa,

uangnya hilang. TM Idaman dibuat terbalik. Kalau terjadi

sesuatu, keluarga Bapak/Ibu menerima penuh. Kalau tidak

terjadi apa-apa dan Bapak/Ibu sampai di usia yang dipilih,

Bapak/Ibu sendiri yang menerima penuh. Jadi tidak ada

skenario rugi di sini.

Structural value prop

You choose the finish line yourself — call it your

Usia Idaman, anywhere from 55 to 99. You pay for a short

window, just 5, 10, or 15 years, and then you stop. The

protection keeps running all the way to that finish line.

Short paying, long covering, and a guaranteed lump sum

waiting at the end. The premium is higher than plain

insurance because part of it is your own savings coming

back to you at maturity.

Garis finis-nya Bapak/Ibu yang pilih sendiri — kita

sebut Usia Idaman, bisa 55 sampai 99 tahun. Bayarnya cuma

sebentar, 5, 10, atau 15 tahun, lalu berhenti.

Perlindungannya tetap jalan sampai garis finis tadi. Bayar

sebentar, terlindungi lama, dan ada uang tunai yang sudah

pasti menunggu di akhir. Preminya memang lebih besar

daripada asuransi biasa, karena sebagian adalah tabungan

Bapak/Ibu sendiri yang kembali saat jatuh tempo.

The close

Let us pick your maturity age and your sum assured,

and I will show you the exact illustration — what you pay,

for how long, and what comes back. This is backed by Tokio

Marine, a Japanese insurer operating since 1879 and

supervised by OJK here. Shall we look at the numbers for an

age that fits your plan?

Mari kita tentukan usia jatuh tempo dan uang

pertanggungan Bapak/Ibu, nanti saya tunjukkan ilustrasi

persisnya — berapa bayarnya, berapa lama, dan berapa yang

kembali. Ini didukung Tokio Marine, perusahaan asuransi

Jepang yang sudah beroperasi sejak 1879 dan diawasi OJK di

sini. Bagaimana kalau kita lihat angkanya untuk usia yang

cocok dengan rencana Bapak/Ibu?

1. “The premium is too expensive.”

Customer (ID): “Preminya kok mahal sekali?”

Don’t say (EN): “It is cheap if you think about it.”

Don’t say (ID): “Sebenarnya murah kok kalau dipikir.”

Do say (EN): It is higher than plain insurance, and that is

by design — a large part of your premium is savings that

comes back to you at maturity, not a cost. We can also

right-size it by adjusting the sum assured or stretching

the payment to 15 years.

Do say (ID): Memang lebih tinggi daripada asuransi biasa,

dan itu memang disengaja — sebagian besar premi Bapak/Ibu

adalah tabungan yang kembali saat jatuh tempo, bukan biaya.

Kita juga bisa sesuaikan dengan menurunkan uang

pertanggungan atau memperpanjang pembayaran sampai 15 tahun.

2. “What if I survive — is my money gone like other insurance?”

Customer (ID): "Kalau saya selamat sampai tua, uangnya

hangus seperti asuransi lain?"

Don’t say (EN): “Yes but at least you are alive.”

Don’t say (ID): “Iya sih, tapi yang penting Bapak sehat.”

Do say (EN): No — that is the whole point of this product.

If you reach the maturity age you chose, you receive 100%

of the sum assured as a lump sum. Surviving is the plan

here, not a loss.

Do say (ID): Tidak — justru itu inti produk ini. Kalau

Bapak/Ibu sampai di usia jatuh tempo yang dipilih, Bapak/Ibu

menerima 100% uang pertanggungan secara tunai. Di sini,

panjang umur itu memang rencananya, bukan kerugian.

3. “Can I get my money back if I stop early?”

Customer (ID): "Kalau saya berhenti di tengah jalan, uang

saya bisa kembali?"

Don’t say (EN): “Yes, you get everything back anytime.”

Don’t say (ID): “Bisa, semua kembali kapan saja.”

Do say (EN): There is a surrender value, but early on it

returns only part of your premium — it starts around 50%

and rises toward 100% as you near maturity. So this works

best when you can commit to the full payment window. Let me

walk you through the surrender table before you decide.

Do say (ID): Ada nilai tebus, tapi di awal hanya

mengembalikan sebagian premi — mulai sekitar 50% dan naik

mendekati 100% saat mendekati jatuh tempo. Jadi ini paling

cocok kalau Bapak/Ibu bisa berkomitmen sampai selesai bayar.

Saya akan jelaskan tabel pengembaliannya dulu sebelum

Bapak/Ibu memutuskan.

4. “Does it pay both the death benefit and the maturity amount?”

Customer (ID): "Jadi nanti dibayar dua-duanya, meninggal

dan jatuh tempo?"

Don’t say (EN): “Yes, you get paid twice.”

Don’t say (ID): “Iya, dibayar dua kali.”

Do say (EN): The policy pays the full sum assured once —

either as a death benefit or as the maturity benefit,

whichever happens first — and then the policy ends. It is

one full payout, guaranteed, not two.

Do say (ID): Polis membayar penuh uang pertanggungan satu

kali — entah sebagai manfaat meninggal atau manfaat jatuh

tempo, mana yang lebih dulu terjadi — lalu polis berakhir.

Jadi satu kali pembayaran penuh yang pasti, bukan dua.

5. “I have never heard of Tokio Marine.”

Customer (ID): “Saya belum pernah dengar Tokio Marine.”

Don’t say (EN): “They are the biggest in the world.”

Don’t say (ID): “Mereka yang terbesar di dunia.”

Do say (EN): Tokio Marine is a Japanese insurance group

operating since 1879, present in 38 countries, and in

Indonesia since 2012. The local company is licensed and

supervised by OJK. You are welcome to verify all of that —

I would rather you check than take my word for it.

Do say (ID): Tokio Marine adalah grup asuransi Jepang yang

sudah beroperasi sejak 1879, hadir di 38 negara, dan di

Indonesia sejak 2012. Perusahaan lokalnya berizin dan

diawasi OJK. Silakan Bapak/Ibu cek sendiri — saya justru

lebih senang kalau dicek daripada hanya percaya kata saya.

1. Do not present the maturity benefit as “investment return.” TM Idaman returns 100% of the sum assured at maturity — a defined endowment payout, not a market gain. Calling it a yield or return misleads the client and breaches OJK conduct-of-business expectations on truthful product representation (POJK 6/2022 on consumer protection).

2. Walk the client through the surrender table before sale. The RIPLAY states early surrender returns roughly 50%, rising toward 100% only near maturity. Failing to disclose that an early exit loses a large part of premium is a classic endowment mis-selling trap. Show the actual Tabel Pengembalian Premi, not a verbal approximation.

3. Always run the official illustration (ilustrasi) before closing. The premium for a meaningful face amount is large (sample: Rp33.35jt/yr for Rp1bn). Quoting only the Rp1.8jt/yr statutory minimum without the real illustrated premium for the client’s chosen sum assured is misleading by omission.

4. Disclose the “either/or” benefit structure clearly. The policy pays once — death OR maturity — then terminates. Any suggestion of a double payout (death plus maturity) is a material misrepresentation.

5. State the suicide exclusion and the 14-day free-look. No benefit is paid for suicide within 2 years of cover start, reinstatement, or endorsement. The client has a 14-day free-look to review and cancel. Both must be surfaced, not buried.

6. Confirm entry-age eligibility (insured 18–70) at point of sale. Do not take an application for an insured outside this band, and never propose TM Idaman to cover a young child — the 18 floor makes that impossible.

7. Do NOT apply POJK 36/2025 co-payment rules here. The co-payment requirement is HEALTH-insurance only. TM Idaman is a traditional-life endowment; importing co-payment language into this sale is incorrect and confuses the client.

1. Pull and laminate the official Tabel Pengembalian Premi (surrender table) for the three payment terms. Every agent must be able to show real surrender values on the spot — this is both a compliance safeguard and the answer to the most common objection.

2. Build a one-page “savings vs. pure protection” comparison showing TM Idaman against a term plan at the same budget, so agents can qualify Sweet Spot vs. Borderline clients honestly and redirect when cover-per- Rupiah is the real need.

3. Pre-generate three illustration templates — ages 35, 45, 55 with Rp500jt and Rp1bn sum assured — so agents walk into meetings with credible numbers and never quote only the statutory minimum premium.

4. Run a 45-minute agent briefing on the “either/or” benefit and the maturity story. The single biggest field error will be implying a double payout; drill the correct framing and the ID-language script in Section 6.

5. Add a TM Idaman objection-handling card (Section 7, EN+ID) to the agent kit and role-play the surrender and “money gone if I survive” objections in the next sales meeting, since these decide most endowment sales.

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