PT Prudential Life Assurance (Prudential Indonesia) was established in 1995 and is part of Prudential plc, the financial services group based in London, England, where Prudential has been providing insurance services in the UK for over 160 years and has the greatest long-term financial products in United Kingdom for more than a century. As of June 30, 2011 manages more than £ 349 billion.
In Asia, Prudential is a leading life insurance companies from Europe who has a business network spread across 12 countries: China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, Philippines, Singapore, Taiwan, Thailand and Vietnam .. Through the merger of Prudential's international experience in life insurance with knowledge of local business, Prudential Indonesia is committed to providing best in class investment products, savings and insurance coverage for the entire people of Indonesia.
Prudential Indonesia also provides a variety of products designed to meet and accommodate the needs of its customers in Indonesia. Prudential has two types of services, namely provision of products and services PRUlink Fund. for prudent product is divided into two:
1. Products based on the level of life
Young & Without Dependent
You have just entered the stage of life where the school and its cost, teachers, exams, friends and parties are part of your past. Or perhaps not entirely a past. But it is clear, now everything should be taken with a little more seriously. Moreover now you are busy building your career or are planning your wedding that will soon take place. For that you must already have started saving, let alone not be long before you will share your life with your loved ones. Or if you still want to be single, however, the savings still needed as an umbrella before it rains. Maybe you want to set aside a portion of your salary to help educate parents or sister. Such things and many other financial needs that also received major attention from PT Prudential Life Assurance. Submit your future structuring a safe and secure to us, so your preparation has been steady if you have really serious trouble.
You are now truly enjoy your life as a professional who is still single. There is not anything that can stop a rate of your career. Your financial situation is entirely supported by a paying job, and basically you do not have to worry about other family members who should be funded. However, unwanted events can occur at any time and for that you need protection for yourself. Or maybe you intend to ease the burden on your parents' living expenses. In fact, there are chances you still want to help finance the education of your brothers. Furthermore, there are many dreams that you want to make happen: improve your lifestyle or enjoy the benefits of investment funds. Spend a little time you are very precious to figure out how to PT Prudential Life Assurance can help meet your needs.
Welcome into your new life! You have just your vows and now you are sharing the joys and sorrows with your spouse. Should bear the burden of collective responsibility and sharing the joys and sorrows it sounds a little scary. But if you can put different desires and needs into the appropriate priority list then you do not need to worry. If you plan to own a home through a loan, it helps if you consider that the payment protection program can go on if something happens to one of you. The next consideration concerns the descendants of course, that requires no small amount of funds to pay for prenatal care, childbirth and routine checks to the pediatrician. Not to mention the matter of their education. And of course you always want to improve your lifestyle, vacationing with my beloved partner or have your dream car. Whatever your needs a priority, PT Prudential Life Assurance offers a range of products that can help ease your burden.
Now you come to the stage of your life where you do not have enough time. So many things you have done and set, and so many roles that you must meet: a partner who is full understanding and support, parents who educate with love, filial piety to parents and professionals that are reliable. With so much responsibility is concentrated on yourself, it's time you think of ways to provide protection for those who are your dependents. Another responsibility is no less important is to provide the best education for your children as stock of their lives later in life. Although there are major constraints: the cost of education is increasingly rising. But if you are getting an early start saving the possibility of accumulating funds for education will be even greater. And perhaps you feel that it is still too early to think about retirement. However, if you start setting aside some of your income from now, maybe you can still enjoy a comfortable retirement. PT Prudential Life Assurance offers the right solution for your every need.
The Golden Years
After a lifetime taking care of beloved children, now your turn to be pampered. Now you can sit back and enjoy the results of your efforts in the past. But what if your dream is still there which have not been fulfilled? Maybe you still intend to develop your hobby, or along the shores of the Mediterranean on a cruise with your old friends. Of course you also want to leave a meaningful legacy to the beloved children. You still have the opportunity to realize all of this with the help of the profits earned from investing your funds. You might still want to "play" in the stock market, of course, assisted by staff who are professionals in this field. PT Prudential Life Assurance is ready to help meet your needs, even in old age.
2. Products based on purpose
Life insurance is an ideal solution to avoid potential financial problems due to insurance not only provides protection of the life course but also offers a savings scheme. Through life insurance, you can accumulate funds to be managed professionals in the financial sector in order to later be used to meet the financial needs that you need. At the same time, you also get protection in case of calamity that makes your financial planning does not match what you had planned. Financial planning is easier with life insurance, because it can help you accumulate the funds you have set aside. Later you can get everything you've always wanted, such as: a good education for your children, for their wedding fund or funds for old age protection.
PRUlink assurance account plus is linked life insurance products with investment regular premium payments and the flexibility that allows you to at any time change the amount of coverage, premiums and payment mode that suits your needs. In fact you can also add additional insurance such as hospitalization, accident or critical illness. You can choose one or a combination of 6 investment funds available, and can change the combination of investment funds at any time:
- PRUlink Rupiah Managed Fund
- PRUlink Rupiah Managed Fund plus
- PRUlink USD Fixed Income Fund
- PRUlink Rupiah Equity Fund
- PRUlink Rupiah Fixed Income Fund
- PRUlink Rupiah Cash Fund
This product provides the flexibility for the policy holder to select investments to optimize the return on investment, according to the needs and risk profile of the Policyholder.
PRUlink Rupiah Managed Fund to maximize long-term growth through investment funds with a value of the rupiah in bonds, stocks and other money market instruments. Asset allocation is determined by the Fund Manager and may be amended from time to time. This fund is suitable for the investor preferring attractive long term investment and investment risks that are not too high or medium and varied.
PRUlink Rupiah Managed Fund plus maximize long-term growth through investment funds with a value of rupiah in stocks, bonds and other money market instruments. Asset allocation is determined by the Fund Manager and may be amended from time to time. This fund is suitable for the investor preferring attractive long term investment and are willing to bear the investment risk level medium-high.
PRUlink USD Fixed Income Fund is to maximize long-term growth through investment funds with a value of U.S. dollar on bonds and other money market instruments. Asset allocation is determined by the Fund Manager and may be amended from time to time. Investment fund is suitable for investors who want to maintain their investments in U.S. dollar to protect them from fluctuations in the yen.
PRUlink Rupiah Equity Fund aims to maximize the income of medium and long term through investment in shares of Indonesia qualified and registered in Jakarta Stock Exchange. The potential of this investment is suitable for investors who want to earn long-term investment with higher yield and investment risks are high.
PRUlink Rupiah Fixed Income Fund aims to earn an attractive return on investment through fund placements in Rupiah currency with fixed income instruments like bonds and other money market instruments. This investment provides the medium to long term investment with a level of security and stability. It is ideally suited for investors who seek long-term, stable income and are willing to bear the investment risk is not too high or medium.
PRUlink Rupiah Cash Fund aims to get the maximum investment through fund placements in Rupiah currency through money market instruments such as term deposits or SBI. This option offers an attractive rate of returns with high levels of security. This investment is good for conservative investors who seek stable investment income and investment risks that are not too high or medium.
PRUlink syariah assurance account is a syariah life insurance program-related contributions to the regular premium payments and the flexibility that allows you to at any time change the amount of coverage, contributions and the payment method that suits your needs. In fact you can also add additional insurance such as hospitalization, accident or critical illness.
Having a life insurance policy means, financially, you have to protect yourself and your family from unexpected events and difficulties such as disability, job loss or death of a loved one. You no longer need to worry too much about these risks if you have a life insurance policy. By the time you have a life insurance policy, from that moment your finances are protected. Following are the various insurance programs to protect your finances:
One other major aspect of life insurance in addition to providing you financial protection is: to help develop your savings. You can earn investment income from life insurance policies with several different ways.