Life Protection and Investment in One Package
Preparing to protect one’s family and build assets is a goal for many people. A planned financial strategy can provide a long-term solution, with assets potentially passed on to the next generation.
To address this need, Allianz Life Indonesia has introduced SmartLink Guard Investa. Unlike traditional insurance products, it combines life protection with the potential for investment growth in a single policy.
Allianz Life Indonesia Country Manager and President Director Alexander Grenz said the product responds to demand for financial protection and long-term asset growth, offering sub-funds denominated in rupiah and US dollars.
“In volatile markets and amid rapid change, protection alone is no longer enough, while investing without protection can leave families more exposed to financial uncertainty,” Grenz said in a written statement on Monday (2 November 2026).
One of the product’s features is life cover that increases in stages during the policy term, reaching up to 500 per cent of the initial sum assured.
The product offers a range of sub-funds that can be selected according to customers’ financial goals, investment horizons and risk profiles. Options include fixed-income, multi-asset, regional and global equity, and gold commodity investments.
Two sub-funds — Smartwealth Rupiah Multi Asset Income Fund and Smartwealth Dollar Balanced Global Income Fund — have the potential to provide regular monthly cash income. This is not guaranteed, however, as it depends on the sub-funds’ performance and the applicable terms and conditions.
“Every customer has different financial goals and risk tolerance. That is why one solution cannot be applied equally to everyone. Some customers choose traditional products for the certainty of their benefits, while others need greater flexibility and a wider range of investment choices and are prepared to accept investment risks,” said Allianz Life Indonesia Chief Product Officer Cheang Khai Au.
AllianzGI Indonesia President Director and Head Aliyahdin (Adi) Saugi said the firm manages most of SmartLink Guard Investa’s sub-funds. It offers several investment strategies to give customers options for navigating different market conditions.
“Through active and disciplined investment management, supported by in-depth research, we aim to help customers seize investment opportunities in various market conditions,” Adi said.