Fixed cash plan in your retirement age.


Product of Manulife Financial

Golden Protector is a financial planning program for retirement days that also give life protection insurance against accidental death.

  • Cash Payment Benefit at determined Age, the amount of 50% from sum assured that given in determined retirement age1 either the insured survive or decease2
  • Cash Payment Benefit, the amount of 10% from sum assured that given every year starting since policy birthday after 1 (one) year enter established age period and ended before the last year of insurance coverage year period, either the insured survive or decease
  • Yearly Bonus (Survival Bonus), given at the same time with cash payment benefit as long as the insured survive3
  • End of Coverage Period Bonus (Terminal Bonus), given at the end of insurance period with premium requirement paid until the end of premium payment period4
  • Return of premium, the amount is 100% from basic premium that have been paid, given if the insured decease in the premium payment period and before two years policy birthday. This will end the policy contract and no cash payment benefit will be paid in the retirement age.
  • Waiver of premium in case the insured decease in the premium payment period and after 2 years policy birthday
  • Accidental Death Benefit, the amount of 100% from sum assured that given if the insured die due to accidental death

1 In age of 40, 45, 50, 55, or 60 years
2 Insured decease after two years of policy birthday or policy reinstatement date
3 Yearly Bonus (Survival Bonus), is given as long as the insured survive in period of premium payment; the amount of benefit is not guaranteed and calculated by the insurer and based on surplus of mortality level and investment
4 End of Coverage Period Bonus (Terminal Bonus), the amount of benefit is not guaranteed and calculated by the insurer and based on surplus of mortality level and investment

  • Flexible:
    • Free to choose retirement age to determined when the yearly cash payment started
    • Free to choose the amount of cash value yearly payment according necessity
    • Free to adjust the amount of premium by choosing the premium payment period that suitable with the financial condition at the moment
    • Option to increase the amount of yearly cash payment
    • Available in IDR and USD Currency
  • Easy and convenient
    • No medical check up required
    • No monthly administration fee
  • Provide additional benefit
    • Accidental death insurance coverage
    • Protection can be add by additional insurance (rider)
    • Give benefit either the insured survive or decease
Additional Insurance (Rider)
  • Advanced Life Protector
    Life insurance coverage with more option on premium payment term
  • Waiver of Premium
    Waiver of premium because of total disability
  • Hospital Benefit Plus or HealthSafe
    Reimbursement of hospital care expense that caused by sickness or accidental incident
  • Accidental Death and Disability Benefit
    Death benefit or permanent disability benefit caused by accident
Product Summary
  Golden Protector
Target Market SCB Wealth Management customers
Insurance Provider PT. Asuransi Jiwa Manulife Indonesia
Type Traditional Life Insurance
Premium Payment Regular Premium
Currency IDR & USD
Entry Age 18-70 years old
Insured Policyholder, Spouse, children
Period of Coverage Up to 70 years-old
Minimum Premium Minimum sum insured IDR 200 Mio / USD 15,000
Protection Coverage Benefit during contract:
cash payment in certain polis birthday
Death Benefits caused by accidental incident:
100% coverage value + cash payment
Riders Available
Special Features
  • Cash payment at established age that have been determined before (can be the pension age)
  • Cash payment paid yearly after entering the established age until age 69 year
  • Accident protection until the end of protection coverage
  • Survival Bonus* until the age of 69 year and Maturity Bonus* until the end of protection coverage
    * Bonus Survival and Bonus Maturity not guarantee
Application Requirements
  • Have an account at Standard Chartered Bank
  • Fill insurance application form and provides all required documents
  • Information Summary about the insurance products are based on information provided by the insurance company . If there is difference with the insurance policy document or other document issued by an insurance company please refer to documents issued by the insurance company .
  • Golden Protector is an insurance product from PT. Asuransi Jiwa Manulife Indonesia.
  • PT Asuransi Jiwa Manulife Indonesia is registered and supervised by Otoritas Jasa Keuangan (OJK).
  • This product is not a bank product and is not included in the scope of the deposit insurance program by LPS as intended and regulated in Law No. 24/2004 on Deposit Insurance Corporation. Standard Chartered Bank (Bank) acts only as a party who distribute the product. Bank does not bear or not bear the risks arising from the insurance. Performance of the investment component of these products is not free from the risk of investment.
  • Summary of product information is only illustrates general information and is not a policy, Explanation of Benefits and Provisions detail referring to the General Conditions and Special Conditions Polis Golden Protector.
  • Sales person who sell the product is certified AAJI License and registered under Otoritas Jasa Keuangan (OJK)

Customer service:
PT. Asuransi Jiwa Manulife Indonesia
Sampoerna Strategic Square, South Tower
Jl. Gen. Sudirman Kav 45-46
Jakarta 12930
Tel: +6221 2555 7777

Purchasing of insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premium paid. The contents of this document do not constitute a contract of insurance and reference should be made to the respective policies. The contents of this document also do not constitute an offer to buy or sell an insurance product or service. The contents are also not intended to provide any insurance or financial advice. Insurance product described in this webpage is a product of and guaranteed by PT. Asuransi Jiwa Manulife Indonesia and not responsible of Standard Chartered Bank. Standard Chartered Bank shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

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