Unit Link - iFuture

  • Overview
  • Requirements
  • Additional Information

iFUTURE is a unit-linked life insurance product with a single premium payment system issued by PT Asuransi Jiwa Generali Indonesia (“Generali”) and marketed exclusively by Bank Mestika. iFUTURE provides a selection of riders and is equipped with Auto Risks Management System (“ARMS”) that serves to minimize the financial risks that may occur due to market movements.

Insurance Benefits

Generali provide protection and benefits as shown below. Description of protection and these benefits do not cover the overall protection afforded by iFUTURE. You should read the Policy Book and Policy Schedule to know the details of the protection and benefits available, limitations, exclusions, and terms and conditions that apply.

Death Benefit

If the insured dies during the Insurance Period and Policy in an active state, 100% of Sum Assured plus the Fund Value (if any) shall be payable upon death of the Insured after deduction of fees (if any).

Mature Benefit

f the Insured survives at the end of Insurance Period, then the Fund Value (if any) will be paid.


iFUTURE could be equipped with the following riders below:

ADB-PLAN(Accidental Death Benefit)
Protection against the risk of Accidental Death
Premium Allocation

Minimum Initial Premium of Rp 50,000,000 is allocated as:

Basic Premium

initial Minimum Top-Up

Rp. 12.000.000,-
Rp. 38.000.000,-


  • Sum assured for life insurance is 125% of basic premium
  • Sum assured for ADB-PLAN rider is 250% of basic premium
  • Future Single Top-Up minimum: Rp 5,000,000

Additional Benefits

No Acquisition Fee

Long Insurance Protection Period

Up to 99 years old for life insurance with certain conditions applied and up to 65 years old for ADB-PLAN

Extended Age of Entryk

18-70 years old (nearest birthday) for Main Benefits
18-64 years old (nearest birthday) for ADB-Plan

Single Top-Up Facility/b>

That you can do any time

Withdraw Anytime

Auto Risks Management System(ARMS)

ARMS helps to minimize financial risks due to market movements

Funds Available

Fund Name

Investment Instrument


Target Composition

Generali Money Market IV

Deposito Berjangka
Certificate of Deposit
Bank Indonesia Certificate
Obligasi dengan tenor < 1 tahun
Commercial Paper  


100 %


100 %

Generali Fixed Income IV

Obligasi Money Market
Money Market

0 - 100%
0 - 100%


Generali Equity IV

Money Market

0 - 100%
0 - 100%


Auto Risks Management System

Generali Indonesia has invented a risk management system that works automatically. This system is called Automatic Risks Management System (ARMS). ARMS combines several risks management method that runs automatically. This method comprised of:

  • Auto Balancing
    This feature is functioned to keep the investment portfolio asset composition in line with the investor’s risk profile automatically and consistently from time to time. This is conducted by selling or buying each asset in a Portfolio when each proportion changes outside the predetermined composition set by the investor. The interesting part from Auto Balancing is that investors will consistently buy certain asset when its price is low and sell it when its price is high. This is done by selling the outperforming asset and buying the underperforming asset simultaneously when the portfolio composition change outside the limit set by investor or in the other word, Buy Low-Sell High Principle occurs consistently. This is done simultaneously when the portfolio composition change outside the limit set by investor. With Auto Balancing, the movement of price of each investment asset will be monitored daily. Also, the process as mentioned will be enforced according to investor’s tolerance limit consistently and continuously.
  • Auto Trading
    This feature is functioned to automatically monitor and maintain the investment portfolio performance to be accordingly and consistently with the investor’s investment goal from time to time. After achieving the growth target, investors should realize their profit (profit taking). On the contrary, when the investment declines exceeding a tolerable limit, investors need to exit the market to prevent further loss (cut loss). With Auto Trading, profit taking or cut loss works automatically. Profit Climbing is a feature developed as an alternative to Profit Taking. This feature helps investor to avoid making premature profit realization while the market could grow higher. This concept can be as an analogy of a person climbing upon a stairway in which each stairs has its safety net under it. This person will have no worries of falling down when stepping up. When this person falls from any stair, a safety net is already there to keep him/her safe from hitting the ground floor.
  • Auto Re-Entry
    It is one feature that is embedded in Auto-Trading that functioned to re-invest automatically all investment result that has been realized or secured according to risk profile and investment goal of the investor. After Existing the market, due to profit taking or cut loss, an investor must determine the time when he/she will re-enter the market. The best timing to do this is when the price of his previously owned investment instrument is cheaper. This is done by monitoring its’ price movement after the investor is out of the market. Once the price decreases to a predetermined level, the investor should re-invest in to the market. With Auto Re-Entry, this investment process works automatically.

Term and Condition iFUTURE

Age of Entry
  • 18 – 70 years (nearest birthday) for Main Benefits
  • 18 – 64 tahun (nearest birthday) for ADB Plan
  • Terms, condition and charges refer to the policy provisions

Risks :

  • Liquidty Risk/li>
  • Market Risk
  • Operational Risk

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