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Max Link Protection
Max Link Protection
Max Link Protection, the Right Investment for Maximum Protection.
Max Link Protection is an investment solution in Indonesia market with an attractive growth potential. It is also a solution for life risk management.
Why Max Link Protection
| Comprehensive | |
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Giving a potential investment outcome according to aggressive, moderate, or conservative |
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The program can be attached with riders as much as 38 critical illness, accidental death insurance or |
| Refund on Cost of Insurance | |
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Cost of insurance is 100% refundable at the end of policy contract*. |
| Easy & Simple | |
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Affordable single premium. |
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100% of single premium will be added as an investment allocation. |
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No hustle regular premium payment. |
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Free of charges for purchasing transaction. |
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Free monthly administration fee. |
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Competitive fund management fee. |
| Flexible | |
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Provides Top Up and Withdrawal facility. |
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Option to choose and change the Investment Fund (Switching). |
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Flexibility to choose additional insurance (Riders). |
| * minimum of 15 year of policy contract | |
Benefit of Max Link Protection
• Maturity benefit policy value and 100% Cost of Insurance refund.
• Death benefit policy value and 125% from single premium.
Additional Insurance Program (Riders)
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Yearly Renewable Term (YRT) |
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Accidental Death and Disability Benefit (ADDB) |
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Critical Illness Protection |
Fund Options
| Investment Fund * | Invested on |
| Manulife Dana Ekuitas**** | Equity Fund which is registered in Indonesia Stock Exchange |
| Manulife Pendapatan Tetap Negara | Fixed income, obligation investment which is issued by government |
| Manulife Dana Pasar Uang | Money market with high quality and maturity less than 1 year |
| Manulife Dana Berimbang*** | Balanced Fund, instrument of equity and obligation which is registered in Indonesia Stock Exchange |
| Manulife Pendapatan Tetap Korporasi | Obligation instrument which is issued by companies and/or the Indonesian government |
| Manulife Pendapatan Tetap Dollar** | Federal obligation instrument in US Dollar currency |
| Manulife Dana Ekuitas Syariah**** | Equity Fund which is registered in Indonesia Stock Exchange and is Syariah based |
| Manulife Dana Berimbang Syariah**** | Balanced Fund, instrument of equity and obligation which is registered in Indonesia Stock Exchange and is Syariah based |
| Manulife Dana Pasar Uang Syariah | Money market with high quality and maturity less than 1 year and is Syariah based |
| Manulife Dana Ekuitas Indonesia China***,**** | Equity Fund which is registered in Indonesia Stock Exchange and HSI*** |
| Manulife Dana Ekuitas Indonesia India**** | Equity Fund which is registered in Indonesia Stock Exchange |
| * | Minimum allocation for each of investment fund is 10% from total of investment allocation fund. Detail information which related with investment profile at Investment Guideline Unit Link Manulife. The same price is used for buying and selling units is Bid Price (determined by the bourse daily price). You can check the purchase price in the daily newspapers Investor Daily and Bisnis Indonesia or on www.manulife-indonesia.com |
| ** | Only for policies with US Dollar currency |
| *** | Hang Seng Index |
| **** | Bank will only give references and is not a selling agent. This fund option will further be explained by PT Asuransi Jiwa Manulife Indonesia |
Sample of Max Link Protection Ilustration
Mr. Agus, 35 years-old, buy Max Link Protection with Single Premium Rp. 50,000,000 and initial Top Up of amount Rp.50,000,000. He choose to invest at 100% Manulife Dana Ekuitas.
Policy value that the insured (if still alive) receives at the end of contract (maturity benefit) is Rp 578,720,031 (with assumption 5% of yearly return) plus 100% refundable at the end of policy contract.
If the insured dies within policy term, then death benefit is policy value plus 125% single premium (Rp 62,500,000)
Notes: The illustration is subject to change from time to time based on term and condition in the policy.
Illustration
Investment Manager Profile
PT Manulife Aset Manajemen Indonesia established in 1996, the investment manager of Max Link Protection, is the largest joint venture management company in Indonesia. A subsidiary of the Canadian Manulife Financial group, its main business is investment fund management, and it currently hold a total of Rp 21,3 trillion in managed funds (as of March 2010)
Disclaimer
Full details of applicable charges are provided in the General and Special Terms and Conditions of the Max Link Protection policy.
A full explanation of the benefits provided under the terms of this policy are provided in the General and Special Terms and Conditions of the Max Link Protection
Max Link Protection is an insurance product with an investment element provided by PT Asuransi Jiwa Manulife Indonesia. Insurance with unitlink is an insurance product, and not a bank product, and cannot be guaranteed by HSBC and/or any member of HSBC Group (HSBC Holdings Plc, its subsidiaries or any of their branches). It is NOT covered by the Government guarantee or deposit guarantee programmes. HSBC accepts no responsibility for any insurance policy issued by PT Asuransi Jiwa Manulife Indonesia in relation to this Max Link Protection product
The use of the HSBC logo has been approved by HSBC and symbolises the partnership between HSBC and PT Asuransi Jiwa Manulife Indonesia in respect of Max Link Protection products. HSBC is not an agent for PT Asuransi Jiwa Manulife Indonesia or a broker for HSBC customers. Any use of the HSBC corporate logo in any document related to these insurance products is merely an indication of the cooperation between HSBC and the insurance company providing these insurance products.
Next steps
For Personal Customer:
(+6221) 5291 4722
0804-1-86-4722
64722 (from mobile phone)
For Corporate Customer:
(+6221) 2551 4777
0807-1-86-4722
Locate HSBC Branch
