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

FEATURE

• 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

BENEFIT

• 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.

RISK

• Market Risk / Unit Price Reduction Risk
  Market risk is is the risk of losses inpositions arising from movements in market
  prices.

• 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.

REQUIREMENTS & PROCEDURES

• 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).

FEE AND CHARGES

• 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%

DISCLAIMER
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.