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Values Preserved, Legacy Planned
With Sum Assured from 150% – 500% of Basic Premium, plus Cash Value.
The Cash Value is guaranteed to remain fixed during the first 10 or 15 of the Policy years and is guaranteed at a minimum level thereafter.
Cash Value benefit will be paid if the Insured survives to the end of the Coverage Period.
Prosper Life Guard (PROSPER)
Prosper Life Guard (PROSPER)?
About
Prosper Life Guard (PROSPER) is a traditional life insurance product that combines life protection with Cash Value growth benefits through a fixed Rate of Return. PROSPER offers 2 plan options based on the Fixed Rate Period: Pro 10 Plan and Elite 15 Plan.
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
Important Information
Insurance Benefits
| Age at Death (years) | Percentage of |
| ≥ 30 Day - < 1 | 10% |
| ≥ 1 - < 2 | 20% |
| ≥ 2 - < 3 | 40% |
| ≥ 3 - < 4 | 60% |
| ≥ 4 - < 5 | 80% |
| ≥ 5 | 100% |
| Age at Death (years) | Percentage of |
| ≥ 30 Day - < 1 | 10% |
| ≥ 1 - < 2 | 20% |
| ≥ 2 - < 3 | 40% |
| ≥ 3 - < 4 | 60% |
| ≥ 4 - < 5 | 80% |
| ≥ 5 | 100% |
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
Risk
Exclusions
The Insurer reserves the right to deny claims for Death Benefits if the death is caused by or related to suicide, the Insured’s involvement in unlawful acts, including insurance-related crimes committed by any party with an interest in this insurance policy.
Additional exclusions for Death Benefits Due to Accident are if the death is caused by or related to the use of narcotics or similar substances, or participation in hazardous activities or extreme sports.
Further information is specified in the Policy.
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
Terms and Conditions
Entry Age
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
Brochure
For detailed information of the product, please refer to the brochure
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
Disclaimer
Fees
| Tiering Total Premi* | % of Basic Premium | % of Additional Premium |
| IDR100,000,000 - < IDR500,000,000 | 12% | 5% |
| ≥ IDR500,000,000 - < IDR5,000,000,000 | 7,5% | 3% |
| ≥ IDR5,000,000,000 | 5,5% | 2% |
Plan Pro 10
| Policy Year | % of Partial Cash Value Withdrawal |
| 1 – 2 | Not allowed |
| 3 | 7% |
| 4 – 5 | 5% |
| 6 – 10 | 3% |
| 11 etc | 0% |
Plan Elite 15
| Policy Year | % of Partial Cash Value Withdrawal |
| 1 – 2 | Not allowed |
| 3 | 7% |
| 4 – 5 | 5% |
| 6 – 15 | 3% |
| 16 etc | 0% |
Plan Pro 10
| Policy Year | % of Partial Cash Value Withdrawal |
| 1 – 2 | Not allowed |
| 3 | 7% |
| 4 – 5 | 5% |
| 6 – 10 | 3% |
| 11 etc | 0% |
Plan Pro 15
| Policy Year | % of Partial Cash Value Withdrawal |
| 1 – 2 | Not allowed |
| 3 | 7% |
| 4 – 5 | 5% |
| 6 – 15 | 3% |
| 16 etc | 0% |
Premiums include fees and commissions for the distributor and the Bank, with amounts determined in accordance with the Insurer’s prevailing provisions.
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
FAQ
What is the Free Look Period for this Policy?
The Free Look Period is 14 business days from the date the Policy is received by the Policyholder. If the Policyholder cancelled the Policy within this period, they are entitled to a refund of the Premium, deducted by policy issuance fees and medical examination fees (if any).
Can the Sum Assured be determined based on the Policyholder’s needs?
The Sum Assured can be determined based on the Policyholder’s needs, with a minimum of 150% and a maximum of 500% of the Basic Premium.
Can the Rate of Return change after the Fixed Rate Period ends?
What fees will be deducted when paying the Premium?
An Initial Fee will be deducted from the Premium. In addition, Administration Fee and Insurance Fee will be deducted monthly starting from the first month and will be deducted from the Cash Value.
What are the underwriting terms for the PROSPER product?
All applications for the PROSPER product are subject to full underwriting in accordance with BCA Life’s prevailing guidelines.
If any Insurance Benefit under PROSPER has already been claimed, is it still possible to receive other Insurance Benefits?
The Policy ends when any of the Insurance Benefits under PROSPER is claimed.
Note: This product can be applied for at all BCA branch office in Jabodetabek and Surabaya, subject to a limited quota.
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