Guardia Signature

It is a unit-link life insurance product with premium features that the protection benefits value and the potential investment value will be adjusted according to your financial goals for life.

  • 1 Policy for protection during productive age and potential investment value in old age.
  • Optimal investment allocation with an additional 10% since the 6th Policy year onwards(1).
  • Renew the value of the death benefit at 3 years after being diagnosed with a critical illness.
  • Potential reduction in Long-term Insurance Costs(2) for maximum potential investment value.
  • Persistence Bonus of 70% of the Periodic Basic Premium at the end of the 5th (3) Policy year.
  • Policy submission with Sum Insured up to Rp12 billion without being subject to medical requirements(4).
  • Medical assistance and evacuation services are available anywhere in the world.


1) Bid/offer spread 5%.

2) Insurance costs are adjusted from the Life Insured Value when the Investment Value approaches and reaches the targeted Sum Insured.

3) In accordance with the terms and conditions that apply in the Policy.

4) Depending on the certain Insured's entry age according to the applicable underwriting requirements.