Ciputra Life Premiums Surge 53% in First Half of 2026, Credit Life Insurance Business Becomes Growth Engine
PT Asuransi Ciputra Indonesia, known as Ciputra Life, continued its business growth trend throughout the first six months of 2026. The company recorded premiums of Rp387.6 billion in the first half of 2026, an increase of 53% compared to the same period last year, which stood at Rp253.2 billion.
The rise in Ciputra Life premiums in 2026 demonstrates the company’s business expansion amid economic and insurance industry dynamics. Growth primarily came from the strengthening of the Credit Life Insurance (AJK) line, Corporate Solutions, and expanded collaboration with business partners.
President Director of Ciputra Life Hengky Djojosantoso explained that the company continues to develop its business while maintaining a balance between growth, portfolio quality, and profitability.
Credit life insurance remains one of Ciputra Life’s main businesses. The portfolio in this segment is not only related to Home Ownership Credit (KPR), but also includes Motor Vehicle Loans (KKB), MSME financing, Multipurpose Credit (KMG), and Unsecured Credit (KTA).
Ciputra Life has established partnerships with more than 50 business partners from the banking industry and non-bank financial institutions.
The significant role of this line is also evident from its contribution to company premiums. Credit life insurance contributed around 70% to 75% of Ciputra Life’s total premiums, making it the main pillar of the company’s business throughout the first half of 2026.
Banking credit growth has also opened opportunities for credit life insurance business expansion. The widening distribution of financing across various segments provides additional potential demand for credit risk protection.
In addition to credit life insurance, Corporate Solutions has begun to make an increasingly significant contribution to Ciputra Life’s business.
The company has developed this line, including group health insurance services for companies, since mid-2024. The Corporate Solutions segment currently contributes around 15% to 20% of Ciputra Life premiums.
The development of corporate services is part of the company’s diversification strategy so that growth sources do not rely solely on one type of business.
This expansion also demonstrates the growing importance of the business-to-business market in the insurance industry, particularly companies’ needs for employee health protection and various corporate protection solutions.
In line with business growth, the value of Ciputra Life’s claim and benefit payments also increased.
Throughout the first half of 2026, the company paid claims and benefits to customers amounting to Rp107.1 billion. This figure rose 88.9% compared to Rp56.7 billion in the first half of 2025.
The increase in payments occurred alongside the company’s portfolio expansion, including the entry of group health insurance business for corporations.
For insurance companies, paying benefits in accordance with policy provisions is an important element in maintaining customer trust while ensuring business sustainability.
Business growth is also reflected in the company’s profit performance.
Ciputra Life posted a profit of Rp31.13 billion in the first half of 2026, an increase of 64.45% year-on-year compared to Rp18.93 billion in the same period the previous year.
In addition to core business growth, profit performance was supported by operational cost efficiency and investment returns. Ciputra Life’s investment returns in the first half of 2026 were recorded at Rp35.63 billion, up from Rp25.84 billion in the same period the previous year.
In the same period, the company recorded total assets of Rp1.49 trillion with equity of Rp286.15 billion.
After recording 53% premium growth in the first half, Ciputra Life sees opportunities to maintain positive momentum until the end of the year.
The company is even optimistic that premium growth throughout 2026 can be maintained at a level above 50%, taking into account national economic developments and banking credit growth, which remains one of the engines for the credit life insurance business.
Despite pursuing expansion, the company continues to place portfolio quality, profitability, efficiency, and risk management as important parts of its growth strategy.
With the dominance of the credit life insurance line and the growing contribution of Corporate Solutions, the first half of 2026 performance shows that business channel diversification is an important factor in driving Ciputra Life’s growth.