Get eStatements
Product of 
Your plan for the future of your family requires an insurance that can offer protection from all financial risks and uncertainties.
To fulfill this need, Standard Chartered Bank in partnership with PT Asuransi Allianz Life Indonesia (Allianz) is providing a product called Family Shield. Family Shield offers a financial planning solution for the future through an investment scheme and life protection insurance.
Family Shield offers protection to all uncertainty risks of life that may ruin your financial planning, as a part of your Wealth Preservation.
Benefit of Smartlink Protection Plus
Insurance Protection Benefit
Family Shield offers an all-around insurance as a guarantee to the future planning of your family. It includes life insurance, benefits for death/handicap caused by an accident, as well as benefits for permanent disability and 49 critical illnesses.
Choice of Investment
Family Shield allocates your investment in a range of investmend funds to optimize your return, offering the flexibility for you to decide your own investments according to your risk profile.
All-around Life Insurance
| Type of Investment Fund | Asset Allocation | Level of Risk | Level of Return |
| Cash/ Money Market Fund Rupiah | Money Market (Deposits, SBI) | Low | Low |
| Fixed Income Fund Rupiah | Bonds | Low | Low - medium |
| Balanced Fund Rupiah | Equities, Bonds, Money Market, Mutual Funds | Medium | Medium |
| Equity Fund Rupiah | Equities, Mutual Funds | High | Medium - high |
| Managed Fund US Dollar | Bonds, Money Market, Mutual Funds | Medium | Medium |
Flexibility
| • | Family Shield may be used for multiple financial goals depending on your need, as a saving, protection and education funds for your children, as well as preparation for retirement |
| • | Wide selection of investment options |
| • | Premium payment can be done through direct debit from your Standard Chartered Bank account. |
| • | Ease of adding or withdrawing your funds without stopping the insurance protection |
| • | Amount of life insurance coverage can be chosen according to your plans and needs |
| • | Freedom to choose additional coverage suitable for your needs, such as: -Protection for 49 critical illnesses - Protection for total permanent disability - Protection for the continuation of your investment or life risk of policy holder/ parents/spouse - Flexi Care: Daily provision in the event of hospitalization |
How Family Shield Works
| • | Part of premium payments will be allocated and converted into unit using the unit Bid Price applicable at the time of payment |
| • | Unit price consists of unit Bid and Ask Price with a maximum of 5% spread between the two prices |
| • | Unit price may change from time to time depending on the insurance company's investment performance |
| • | Unit price determination is performed on every market day through Harian Bisnis Indonesia by PT Asuransi Allianz Life Indonesia's investment team |
| • | Insurance fee and administration fee will be charged through unit deduction from your unit balance every month end |
| • | The insurance fee is determined through age and gender, as well as the amount of coverage |
| • | Free switching fee is available for up to 4 times per year, subsequent switches will be subject to a 1% fee from total fund allocated (with a minimum of IDR100.000 |
| • | Free withdrawal fee |
| • | Acquisition fee applied will be part of Premium not allocated into unit investment |
Illustration
Illustration of Premium and Benefits*
According to the table above, if you are a 30 year-old male, an example of the protection that you can obtain through Family Shield is:
Policy holder: 30 year-old male
Premium paid: IDR25.000.000 per year for a period of 10 years
| Benefits: | ||
| • | Death | : IDR1.000.000.000 + value of investment |
| • | Death caused by an accident: | : IDR2.000.000.000 + value of investment |
| • | Critical Illnesses (38 kinds) | : maximum of IDR500.000.000 |
| • | Permanent Disability | : maximum of IDR500.000.000 |
| • | Hospitalization | : coverage of hospitalization fees |
* This illustration is not an insurance contract, the above numbers are only an indication. Value and benefits of insurance coverage will depend on the age and health condition of policy holder. The level of investment return may change depending on Allianz's investment performance and on risk factors of investment chosen by customer.
Profile of Investment Manager
PT Asuransi Allianz Life Indonesia
Established on August 16, 1996 with a sales network of over 10.000 agents. Today, PT Asuransi Allianz Life Indonesia has 80 sales offices and outlets located in 43 cities across Indonesia—from Banda Aceh to Jayapura (Papua). In addition, the company also offers Allianz Center which operates in Jakarta, Surabaya, Bandung and Denpasar.
Family Shield is not a banking product and its program is not included in the program scope of saving and lending of LPS as mentioned and regulated in Undang-Undang No.24/2004 about Lembaga Penjamin Simpanan. Standard Chartered Bank acts only as a party that distributes this product. Bank is not held responsible or burdened with the risk that comes from the insurance, performance of investment component of this product is not isolated from the risk of investment.