TM Legacy Protection

  • Overview
  • Requirements
  • Additional Information

TM Legacy Protection is a limited premium term anticipated endowment product, which provides life risk protection, plus doubling up with Accidental Death Benefit also savings element.
Insurance Benefits :

  1. Death Benefit
  2. In the event of death of the Insured during the Policy term, TMLI will pay death benefit as scheduled below. The Policy then terminates.
    Policy Year % of Accumulated Premium
    1+ 110%

    Note: Juvenile lien applies to non-accidental death for the Insured below Age 4.
    Attained Age at Death % of Death Benefit
    Below 1 year 20%
    1 year to < 2 years 40%
    2 years to < 3 years 60%
    3 years to < 4 years 80%
    Above 4 years 100%
  3. Additional ADB Benefit
  4. In the event of Accidental Death during the Policy term, this benefit will only apply until maximum Insured’s age of 70 years old, TMLI will pay another benefit aside from Death Benefit payment, as scheduled below. The Policy then terminates.
    Policy Year % of Accumulated Premium
    1+ 110%
  5. Living Benefit
  6. Living benefit will be paid if the Insured is alive during Policy term, as scheduled below:
    Plan A Plan B Plan C
    PY % Premium PY % Premium PY % Premium
    Living Benefit 5-7 7% 5-7 7% 5-7 7%
    8-9 8% 8-10 8% 8-10 8%
    10-11 9% 11-16 9% 11-21 9%
    12-14 30% 17-19 50% 22-24 80%
  7. Maturity Benefit
  8. Maturity benefit will be paid if the Insured is alive in the end of Policy term, as scheduled below. The Poliy then terminates.
    Plan A Plan B Plan C
    PY % Accumulated Premium PY % Accumulated Premium PY % Accumulated Premium
    Maturity Benefit 15 110% 20 110% 25 110%


Policy Term & Premium Term

Plan Policy Term Premium Term
Plan A 15 Years 5 Years
Plan B 20 Years
Plan C 25 Years

Entry Age :
Insured: 15 days – 65 y.o
Policy Holder: 18+ y.o
* Last Birthday Method
Premium :
Minimum Premium : IDR 25.000.000,-

For further information you may check to the brochure here.

Riplay Umum download here.

For more information call us MestikaCall 14083 or visit our nearest branch.