Unit Link Life Insurance is the answer. Unit Link Life Insurance is an insurance contract that provides protection benefits at a low premium as well as an investment. This type of insurance provides both death and investment protection benefits.

This unit-linked life insurance product is suitable for:

• Prospective policyholders who like to invest in long term;
• Prospective policyholders who have idle money and intend to increase their wealth.
• Prospective policyholders who like to invest but still want to be protected;
• Prospective policyholders who are still working and want to prepare savings.

However, customers must be careful in choosing unit links. Here are tips for choosing unit-linked insurance products:

• Make sure the insurance product you buy is registered from being supervised by the OJK.
• Insurance is not Multi Level Marketing (MLM) and the Customer / the Insured is not a marketing agent. Beware of the lure of large commissions.
• Consider the consequences of agreeing to use your personal data with the insurance company.
• Understand your rights and obligations as an Insured as stated in the unit-linked insurance policy.
• Buy products according to your needs and abilities. Do not let you have to go into debt to pay for an insurance policy.
• Don't fall for the promise of big returns because unit-linked insurance is not a savings account. Unit-linked insurance is a combination of insurance and investment that carries a risk of fluctuation.
• Purchase unit-linked insurance from a specially certified marketing agent from the Indonesian Life Insurance Association (AAJI).
• One of the unit-linked products from BNI Life is BLife Hy-End Pro, which is an insurance product that provides a combination of endowment benefits (death benefits and life benefits) and cash value.

Source: OJK.go.id