Golden Protector is an insurance program that provides protection for your retirement needs through the cash payment at your choice of pension age and annual cash payment after pension age until the age of 69. Golden Protector also provides protection for accidental life until you reach the age of 70. In addition, Golden Protector can also be equipped with additional insurance program (riders) in accordance with your desired protection’s requirement.

The costs

Any fees charged to customers will refer to the conditions policy of Golden Protector, including but not limited to the cost of coverage, the cost of loans policy and cancellation policies.

The risk

There are no risks involved in traditional products as the main benefit is guaranteed. For benefits that is not guaranteed (if any) will refer to the General Conditions and Special Conditions Golden Protector Policy.

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Important notice/Disclaimer

Golden Protector is insurance products issued by PT Asuransi Jiwa Manulife Indonesia. PT Bank ANZ Indonesia (“ANZ”) is only act as Selling Agent for Golden Protector. Golden Protector 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. Golden Protector 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 Asuransi Jiwa Manulife Indonesia.

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.

Details explanation on charges can be found at the Golden Protector Policy.

In the event of any inconsistency between the Indonesian version and the English version on this document, the Indonesian version shall prevail.

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