Gap in Financial Inclusion and Literacy Widens, Future Planning Remains Crucial
Results from the 2025 National Financial Literacy and Inclusion Survey (SNLIK) show the gap between financial inclusion and literacy widening to 14.05% compared to 9.59% in 2024.
This indicates that despite expanding access to financial services, the need for solutions helping people plan their future more effectively remains crucial.
The findings are reinforced by FWD Group and Ipsos’ FWD Consumer Outlook Survey in Indonesia, which revealed 66% of respondents feel stressed, worried, or merely surviving financially, while only 34% feel financially confident or secure.
‘From this survey, we see many people want a calmer and more structured future,’ said Jeffrey Woo, CEO of FWD Insurance, in Jakarta on Monday, 25 May 2026.
He explained that protection needs now extend beyond guarding against potential risks to include structured cash benefits and financial planning certainty, enabling customers to confidently plan their future and focus on life.
In response, PT FWD Insurance Indonesia (FWD Insurance), a life insurance company focused on technology-driven customers, has launched the FWD Income Prosperity life insurance product.
The product offers protection that helps customers maintain financial stability and plan for the future with greater peace of mind through scheduled annual cash benefits.
Through FWD Income Prosperity, the company aims to provide relevant and easily understood protection solutions, allowing people to celebrate life’s moments.
FWD Income Prosperity combines structured annual cash benefits with life coverage.
‘With clear and structured benefits, this insurance provides better visibility for long-term financial planning,’ he added.
He detailed that FWD Income Prosperity offers annual cash benefits of 14% or 17% of the annual premium, plus a maturity benefit of 108% of total premiums paid.
‘Guaranteed issue offer with no health checks for coverage up to Rp2 billion, death protection up to 130% of premiums paid, additional accidental death coverage, and premium waiver for total permanent disability due to accident or illness,’ he explained.
He hopes FWD Income Prosperity will shift public perception of insurance as part of daily financial planning. ‘We believe the right solutions enable people to live with greater peace of mind and confidence,’ he added.
Public figure Agatha Suci acknowledged that structured life insurance makes family protection planning easier and more focused on family needs. (H-2)
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