Managed Unit Link

Unit Link Product from Panin Dai-ichi Life in Indonesian Rupiah and USD.

Managed Unit Link is a single premium unit link where funds are invested with the fund-on-fund concept at selected and profitable mutual funds / bonds / equity. The goal of this idea is to optimize investment results and diversify risks with insurance benefits.



  • Optimum Investment Results as funds are actively managed by a professional investment manager and invested in several mutual funds that perform well in the stock market.
  • Minimal Investment Risks through diversification that can be chosen according to the customers' risk profiles.
  • FREE Life Insurance due to any cause.
  • Multiple choice of portfolio allocation altered to customer's risk profiles with investment allocations at shares, obligations, and stock markets.
  • Protection for 85 year period



  • Death due to any cause with Sum Assured 125% of single premium. Maximum benefit is IDR 150 Mio per life.
  • Death benefit:
    • The first 2 years: death only due to accident with 125% single premium sum assured.
    • The 3rd year - 85 years old: death due to any cause with 12% single premium sum assured.
  • FREE switching fees for the first 2 transactions annually.



  • Market Risk / Unit Price Reduction Risk
    Market risk is is the risk of losses inpositions arising from movements in market
  • Liquidity Risk
    Happens when the market reacts extremely, the party involved in assets transactions could not find a client in the market.
  • Economic Risk and Political Changes
    Changes on the regulation of capital and money market also changes in politics.
  • Credit Risk
    Happens if investment instruments publisher is not able to pay the principal and interest for its debt.
  • Currency Risk
    Happens when customer tries to exchange payment to their local currency.



  • Policy Holder Age 17 - 80 years
  • Have Commonwealth Bank Account
  • Fill out Application Form
  • Copy Customers Identification
  • Other Supporting Documents

Call CommBank can be accessed through 1500030 or (6221) 2935 2935 for international access. We serve customer 24 hours a day 7 days a week (including public holiday).



  • Subscription Fee
    IDR : 2.5% from premium
    USD : 3% from premium
  • Management Fee
    IDR : 2.5%
    USD : 1.5%
  • Switching Fee
    IDR : >2 x switching IDR 50.000/transactions
    USD : 1%
  • Redemption Fee
    IDR :
    - 1st year : 1%
    - 2nd year : 1%
    - 3rd year : 1%
    - 4th year and onwards: 0%

    USD :
    - 1st year : 1%
    - 2nd year and onwards: 0%


This insurance product issued by PT Panin Dai-ichi Life and distributed/ Marketed by PT. Bank Commonwealth (Commonwealth Bank) to its customer. This product is not issued by Commonwealth Bank consequently Commonwealth Bank doesn’t responsible for any obligation and doesn’t provide any assurance of this Insurance Product. This Insurance Product is not included in Deposit Guarantee Program of Government of Republic Indonesia (LPS). Commonwealth Bank also not undertakes for any risk of the Insurance Policy issued by PT Panin Dai-ichi Life in related to the Insurance Product. The Commonwealth Bank’s logo usage is entirely for cooperation reason between Commonwealth Bank and Panin Life in regard to the marketing process of the Insurance Product. Commonwealth Bank is not an agent of PT Panin Dai-ichi Life or a broker of Commonwealth Bank customers. The fund placed will not be included in and / or not will be secured by a deposit guarantee program by LPS.