Managed with Sharia principles

Affordable contribution

Part of BNI Group with a very good reputation in the industry

Flexibility in contribution payment (according to customer's wishes, either monthly or a lump sum payment at the beginning)

Scholarship fund provided every year in case of the participant's death or permanent disability

No more contributions needed (free of charge) if the participant dies or is permanently disabled

• Education Stage Fund

• Education Scholarship during College/University 

• 100% Insurance Benefit 

• Policy Cash Value

• Education Stage Fund

• Annual Scholarship

• Insurance becomes Contribution-Free 

• 200% Insurance Benefit 

• Policy Cash Value 

• Education Stage Fund

• Annual Scholarship

• Insurance becomes Contribution-Free

• 100% Insurance Benefit

• Policy Cash Value

• Education Stage Fund

• Annual Scholarship

• Insurance becomes Contribution-Free

• 15% Insurance Benefit

• Policy Cash Value

• Insurance Termination

• 200% if the Participant dies due to an Accident, or 100% if the Participant dies not due to an Accident

• 15% Insurance Benefit

• Policy Cash Value

• Insurance Termination

Concurrent Contribution: IDR 10,000,000

• Annual Contribution : IDR 3,600,000/year 

• Semester Contribution: IDR 1,800,000 / semester 

• Quarterly Contribution : IDR 900,000/quarter 

• Monthly Contribution : IDR 300,000/month

1 day to 15 years