Fortresse Link provides you an optimal insurance coverage with a maximum investment return. The most suitable option for you and your family’s future plan.
Fortresse Link offers two types of benefits that you can enjoy all together at the same time.
Life Insurance coverage benefit*
- Life Insurance coverage up to age 80 years for 100% Coverage/ Sum Assured.
- Maximum benefit 200% coverage/ Sum Assured if death occurs due to an accident up to age 70 years.
- Maximum benefit 300% coverage/ Sum Assured if death occurs due to public transport accident.
You/your beneficiary have a right to the accumulated investment return from the fund you paid.
Focused on the customer’s needs, Fortresse Link has numerous advantages which you can enjoy.
- Maximum investment
Optimum investment accumulation because 50% of the fund/premium you paid in the first year and 100% from the fund you paid on the second year onwards will be automatically invested into the Investment Unit.
You are free to choose and allocate your Investment Fund, withdraw and add the Investment Fund (Top-Up). You will also be free to decide the amount of the Coverage/ Sum Assured from 5x until 25x of the Annual Basic Premium.
- Additional Insurance
You can maximise the benefits from Insurance coverage with Additional Insurance (Rider) such as
- Hospital Cash Plan Benefit
- Waiver of Premium
- Critical Illness Benefit
- Additional Coverage/ Sum Assured (Term Life Benefit).
- Peace of mind
Your policy will still be valid even if you are unable to meet your Premium as long as your Premium Top Up Account is enough to cover your Premium. All Additional Insurance is still valid even though your Policy is under Automatic Premium Holiday as long as your Premium Top Up Account is enough to pay monthly fee and Premium Additional Insurance.
- Loyalty Bonus
For loyal customers who have paid Basic Premium at the 10th year and/or 11th year with accumulated withdrawal from Basic Premium Account not exceeding twice annual Basic Premium, we will give loyalty bonus which will be instantly accumulated into Investment Benefit as much as
Premium years Loyalty bonus 10th 25% of Basic Premium 11th 25% of Basic Premium
Investment Fund options
- IDR Equity Fund
Investment in Stocks/ Shares listed in Jakarta Stock Exchange (BEJ / JSX) offers relatively high returns with relatively high risk.
- IDR Fixed Income Fund
Investment in Fixed Income with stable return and relatively moderate risk.
- USD Fixed Income Fund
Investment in Fixed Income denominated in USD with stable return and relatively low risk.
- IDR Money Market Fund
Investment in Money market with a stable return and low risk.
- Dana Berkah Fund
An Investment that based on Shariah Principles with stable returns and low risk.
- IDR Balanced Fund
Investment in equity, fixed income and money market which will give balanced and consistent return, with a moderate risk.
Custodian Bank is CITIBANK N.A. Jakarta who holds valuable documents and other assets, including payment of investment return and dividend, also counting Unit Value (NAV / NAB). The amount of funds each time will depend on Net Asset Value per unit which is dependent on the performance of the Investment.
Revaluation frequency of the Unit Value is conducted every day or in other time period determined by PT AIA FINANCIAL.
Fortresse Link is insurance product issued by PT AIA Financial. PT Bank ANZ Indonesia (“ANZ”) is only act as a referrer for Fortresse Link. Fortresse Link is not a product of ANZ so ANZ is not responsible for any or all claims and risks that will be raised from this portfolio product. Fortresse Link is not guaranteed by ANZ and its affiliates or by any government guarantee program of the Republic of Indonesia. ANZ is not responsible for the insurance policy issued by PT AIA Financial. The management of the investment fund will be performed by PT AIA Financial and shall be responsibility of PT AIA Financial. The performance of investment funds can be viewed on PT AIA Financial Fund Fact sheet monthly report.
ANZ is a subsidiary of Australia and New Zealand Banking Group Limited (ANZBGL). ANZBGL is incorporated in Australia, and is an authorised deposit taking institution (Bank) under Australian law. ANZ is incorporated and licensed in Indonesia with limited liability, and is not a Bank under Australian law. Deposits or liabilities with ANZ are not deposits or other liabilities of ANZBGL or its related group companies, and none of them stand behind or guarantee ANZ.
Investment in Share market contains market risk. Fund performance is not guaranteed; unit prices and return from this fund may increase or decrease. Past performance is not an indication of the future performance. Complete information can be found in the Fund Fact Sheet.
Details explanation on charges can be found at the Fortresse Link Policy. In the event of any inconsistency between the Indonesian version and the English version on this document, the Indonesian version shall prevail.
Terms and conditions
Joining Age for Insured Member : age 1 month – 65 years old.
Joining age for Policy holder : age 18 years old.
Customer should have a saving account at PT Bank ANZ Indonesia following the terms and conditions.
* Terms and conditions are detailed in the policy.
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