Asuransi Prudential

Insurance Benefits To Guarantee the Future

2011-04-10T14:23:00.000+07:00

Benefit Insurance

Prudential, with Product-based Unit Linked Life Insurance will provide health insurance, and welfare are:
1. Savings (Investment)
2. Health Protection
3. Income Protection (Monthly Salary)

The products mentioned above are designed to provide assurance as a result of various risks in the future. We believe that the products mentioned above are basic and primary needs.

The purpose of participation expected from a Prudential Insurance Savings Products are:
1. Able to create efficiency and discipline in financial matters.
2. Assist in preparing for the educational needs of beloved baby.
3. Assist in preparing for the need for collateral.
4. Able to increase productivity by providing guarantees for family welfare.

Benefits Provided:

1. Investment Benefits
a. Benefits Children Education Fund
b. Pension Benefits
c. Benefit Emergency Fund
d. Benefits For a Better Future
e. Benefits To Meet Religious Worship

2. Benefit Protection
a. Benefits of Life / Death
b. Benefits Health, Inpatient, ICU, Surgery
c. Permanent & Total Disability Benefits
d. Critical Illness Benefit
e. Free Benefit Savings

3. Free Income Protection Benefits (Monthly Salary)

Prudential Insurance in technorati.com

2011-04-09T11:52:00.000+07:00

We have just signed the claim token 2DBW7AGF9FW6 to this claim

Importance of Insurance For Our Lives

2011-04-09T10:47:00.000+07:00

important

Why insurance is important for our lives?. Insurance is very important because in living life, we face uncertainty. But surely die just that we do not know when it will happen.

Because of the certainty we die but not sure when that's happening we need the insurance!.

If we are certainly not going to die we do not need to have life insurance because we know for sure we will not die until at any time.

Because of the uncertainty that we must have LIFE INSURANCE

To have a life insurance we need intelligent smart home to vote because if we can choose our future can be fooled!

So we have to choose a company that has been long standing and dimanajemeni by professional people on the field.

Keeping Your Personal Protection for the Long Term

2011-04-09T10:42:00.000+07:00

Protect

When you decide to buy an insurance product that is associated with the investment, you do for a long-term orientation, among others, to meet the educational needs of children, retirement funds, etc.. In terms of investment, according to the fluctuating nature, rise and fall of the value of investments, particularly in the type of investment fund shares, it is definitely happening in the short term. This is where you need to reaffirm your focus by considering that the insurance product that is associated with an investment is not for short-term goals, but for long-term orientation.

Therefore, the rise and fall of the value of this investment should not be addressed by policy redeem at the time of the decrease or increase the investment value of the instrument at high risk to lower risk (switching). Or suppose that these funds will be used in the near future, even for emergency needs. You do not need to do a redemption policy, but simply by doing a partial withdrawal of funds (withdrawal), and maintaining your policy to remain active. The reason is because if you make a redemption policy, to have / continue the policy again in the future, you are required to perform the process from the beginning as well as medical examination seta pay various fees prescribed. You also must suda age increases so that your premium will also become higher as well as your medical condition is it still like when you first become customers of insurance? This is of course you need to look for comfort you and your family financial planning.

Advantage Prudential Insurance Syariah

2011-04-09T10:35:00.000+07:00

Lately a lot of popping up Sharia-compliant insurance products such as bumiputera that bumiputera issue of sharia, Islamic PRUlink Assurance prudential with Accounts and so forth. This phenomenon is characterized by the emergence, PT. Asuransi Takaful Indonesia which established in 1994, a Sharia-based insurance company. This phenomenon invites a question. What is the advantage of Islamic insurance products?

The question above is a big question that should be a consideration for us all. Hotbonar Sinaga, director of Social Security, said that the Islamic insurance benefits not only based on the sharia as the absence of usury in the investment, the element of gambling or not filled with uncertainty factors. Real superiority of Islamic insurance, as well as other Islamic financial products, none other than the profit-sharing or mudaraba. That's why in Islamic insurance is not known the existence of risk transfer, but better known as risk sharing.

The main advantage creates other advantages, which differentiate these products significantly by non-Islamic products. In the mechanism of contribution payments from customers, immediately separated into two: first, to the account of tabarru 'or protection and the second went into a savings account for the results. So from the beginning has been separated. Those advantages compared to conventional insurance with the account for the results show that some of the premium had been allocated for distribution to the result of investment returns to our policyholders.

Unlike conventional insurance, because there is no separation of premium then in the early formation of reserves, none of which customers are entitled to the policyholder. As a result, when the policyholder no longer able to continue to sell the policy back to the company asurani to get the cash value to be received can be nil. If anything, the magnitude of the cash value in the early years will be far different from the accumulated premiums ever paid.

Account for the possible existence of Islamic insurance companies to share the portion of investment returns by policy holders if there is no claim within one year policy period. In conventional insurance, known as the so-called no claim bonus. Namely, the bonus will be obtained policyholders in insurance losses, especially if the closure policy for several years there was never any claim lodged. In Islamic insurance, with a system of profit-sharing bonuses allows the insured even if the closure policy had lasted for one year. These bonus options given various alternatives such as cash deposited, reducing the premium renewal periods, assigned to various foundations in the form infak and charity.

However, constraints on the state of Indonesia Islamic insurance products not so well known by people so many people who do not know the benefits of this insurance. Unlike neighboring countries namely, Malaysia, Brunei and Singapore. Due to incessant promotion that they do cause the market Islamic products not only enjoyed by Muslims but also non-Muslim parties. Apparently this can be a lesson to us all.

My family is My Love

2011-04-09T10:26:00.000+07:00

Family

Family is part of our lives that matter most! Without family we are not who who! Many things are missing anything if we do not have a family!.

The most painful period is a time when we lose people we love most especially when he was a head of household!.

The world will feel the collapse of the family left behind when heads of families have no chance to set aside a portion of their income to provide protection for abandoned FAMILY.

Avoid it by as early as possible following the unit-linked insurance program at Prudential Indonesia because PRUDENTIAL INSURANCE PROTECTION OF INDONESIA will provide the most valuable benefits on FAMILY THAT YOU LOVE

PRUlink Rupiah Managed Fund plus

2011-04-08T23:46:00.000+07:00

PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.

PRUlink Syariah Rupiah Cash & Bond Fund

2011-04-08T23:14:00.000+07:00

PRUlink Syariah Rupiah Cash & Bond Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using syariah money market and syariah fixed income instruments such as syariah bonds and other syariah fixed income instruments in the capital market. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of medium to long-term returns and in a condition to sustain moderate to low investment risks.

PRUlink Syariah Rupiah Equity Fund

2011-04-08T23:12:00.000+07:00

PRUlink Syariah Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in syariah and quality stocks listed on Jakarta Stock Exchange (BEJ). This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks.

PRUlink Syariah Rupiah Managed Fund

2011-04-08T23:11:00.000+07:00

PRUlink Syariah Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as syariah bonds and syariah stocks. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.

PRUlink syariah assurance account (PAA Syariah)

2011-04-08T23:08:00.001+07:00

PRUlink syariah assurance account (PAA Syariah) is a regular contribution unit linked product that offers you a range of syariah investment funds choices. PRUlink syariah assurance account offers flexibility, enabling you to change the level of sum covered, contribution and the mode of payment according to your needs. You can also add optional insurance features such as hospitalization, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 fund investment options, with the flexibility to change it anytime you want to:

   1. PRUlink Syariah Rupiah Managed Fund
   2. PRUlink Syariah Rupiah Equity Fund
   3. PRUlink Syariah Rupiah Cash & Bond Fund

PRUlink assurance account (PAA)

2011-04-08T23:06:00.005+07:00

PRUlink assurance account (PAA)
is a regular premium unit linked product that offers you a range of investment funds choices. It offers flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalization, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to:

   1. PRUlink Rupiah Managed Fund
   2. PRUlink Rupiah Managed Fund plus
   3. PRUlink USD Fixed Income Fund
   4. PRUlink Rupiah Equity Fund
   5. PRUlink Rupiah Fixed Income Fund
   6. PRUlink Rupiah Cash Fund

PRUlink Rupiah Cash Fund

2011-04-08T23:03:00.003+07:00

PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor preferring stable investment gains and in a condition to sustain low to moderate investment risks.

PRUlink Rupiah Fixed Income Fund

2011-04-08T23:02:00.000+07:00

PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.

PRUlink Rupiah Equity Fund

2011-04-08T22:59:00.001+07:00

PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate

PRUlink USD Fixed Income Fund

2011-04-08T22:52:00.002+07:00

PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.

PRUlink Rupiah Managed Fund

2011-04-08T22:46:00.005+07:00

PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.

Savings Products

2011-04-08T22:43:00.001+07:00

Life insurance is an ideal solution to cover the possibility of financial problems because it not only gives you life insurance protection but provides a regular savings scheme as well. It is a systematic way of accumulating money that is then managed by professionals to be used for your specific financial purposes, and at the same time providing protection in the event of a calamity which may jeopardize that plan.

Financial planning is made so much easier with life insurance, because it can help grow the amount of money that you have saved. You will then be able to proceed with getting the good things you've always wanted out of life such as: good education for your children, setting aside funds for their wedding or retiring in comfort.

PRUlink assurance account (PAA)
PRUlink syariah assurance account (PAA Syariah)

Product & Funds By Objectives

2011-04-08T22:37:00.000+07:00

Insurance is the valuable ways to help you achieving your financial objectives. Whether your objective is to protect your loved ones, to save for a comfortable retirement or to invest so that you can buy that dream house or car, we have plans that can meet your varied needs. Start early to reap the full benefits of insurance.

    * Savings
    * Protection
    * Investment

Golden Years

2011-04-07T22:54:00.003+07:00

Golden Years

After a busy lifetime of caring for others, now is the time for you to be taken care of. You are now resting on your laurels and enjoying the fruits of years of labor. But what if there are still some dreams left unrealised? You might still want to take up that hobby, or take that cruise around the Mediterranean with your friends from the bridge club. Or you might want to leave a substantial legacy to your loved ones. You can still do all this with the help of investment returns. And still you might be tempted to 'play' in the stock market, of course, with the help of the pros. PT Prudential Life Assurance is still on hand to help you make the most of your golden years.

Blessed with Kids

2011-04-07T22:53:00.004+07:00

Blessed with Kids

You have come to that stage in life where you find that you never have enough time. There are so many things to do and manage and so many duties to fulfill: as supportive life partners, nurturing parents, children caring for their elders, and able corporate professionals. With so many responsibilities resting on your shoulders you really should consider ways of protecting those who are dependent on you. Another main concern is providing your children with the best education that you can afford, preparing them for their lives in the future. Although, one major obstacle is the rising cost of education, but the earlier you start saving up the better. And maybe you think that it is a bit too early to think about your retirement. However, with every little bit that you put aside now, you may have a chance at retiring quite comfortably. PT Prudential Life Assurance offers the right solutions to help you with all your needs.

Newly Weds

2011-04-07T22:52:00.001+07:00

Wedding

Well, you've done it! You have literally cut the cake and are now embarking on a journey through life with joint commitments. We know that the idea of actually being responsible for someone else's welfare besides your own may sound frightening. But if you list down your joint goals and needs and know how to prioritize to get where you both want to be, then you will be just fine. If you are planning to finance having your own house through housing loans, you may need to consider a protection plan to cover for its continuation should something unfortunate happen to either one of you. Then there is the matter of having little ones around the house, which require sufficient funds to cover for maternity check-ups, birth and future visits to the pediatrician. Not to mention their education. And of course there is always the continuous effort of improving your lifestyle, taking the occasional vacation trips with your loved one, or buying that car you have always wanted. Whatever your priorities, PT Prudential Life Assurance has a range of products on offer to make things easier on you.

Single Professionals

2011-04-07T22:50:00.004+07:00

Single Professionals

You are enjoying your life as a single professional! It seems that nothing can stop your upward career curve. Your financial situation is supported by a job that pays well, and in theory you need not to worry about other mouths to feed. However, you still need to protect yourself from an unwanted mishap. Or you may still want to take care of your parents. Perhaps there are still other siblings who may need a hand with their tuition. And there is still that dream of up-grading your lifestyle or simply reaping the rewards of a sound and stable investment. Check out what PT Prudential Life Assurance has to offer to help you with all your needs.

Young & Carefree

2011-04-07T22:49:00.002+07:00

Young & Carefree

You have just entered a new stage in life where school and tuition; professors and exams; and friends and parties are a thing of the past. Well, maybe not entirely. But, things are definitely taking a slightly serious turn, especially now that you are in the early stages of building your career and may have marriage plans in the near future. You may wish to start saving up for the wedding and life with your loved one. Or if you are still single, you still have to save up for a rainy day and may want to put aside part of your income to provide for parents and siblings. These and other needs are a concern of PT Prudential Life Assurance as well. Let us help you set-up the basics of a worry-free future, making it easier for you once things really get serious.

Product & Funds By Lifestages

2011-04-07T22:47:00.001+07:00

No matter what stage of your life you are at now, insurance is the valuable ways to help you achieving your goals. Whether you are a single young professional saving up for your first car or house, a parent planning your child's future or a retiree looking for a safe investment, insurance can help you meet the needs of your particular lifestage.

Start early to reap the full benefits of insurance.