Prudential Indonesia Launches PRUMapan Life Insurance Product for Young Indonesians
JAKARTA - PT Prudential Life Assurance (Prudential Indonesia) today, Wednesday, February 25, launched PRUMapan Life Insurance (PRUMapan), a traditional life insurance product with Mapan Fund Benefits designed to help Millennials and Gen Z prepare long-term financial planning in an affordable, flexible, and accessible way. Through PRUMapan, Prudential Indonesia hopes to support young Indonesians to realize a #MapanTerkendali future while reducing the risk of being trapped in the sandwich generation cycle.
The launch of PRUMapan is relevant to the reality that the Indonesian young generation is currently facing. Many young people are under financial pressure due to the high cost of living, family obligations, and rising inflation. Data from the Central Statistics Agency (BPS) shows that Indonesia’s inflation until the end of 2025 reached 2.92 percent (year on year), while according to YouGov research (October 2024), around 41 million people in Indonesia are classified as the sandwich generation, with the majority consisting of Millennials (53 percent) and Gen Z (26 percent). This condition has the potential to create a prolonged financial and emotional burden if it is not anticipated through mature financial planning from an early age.
On the other hand, the younger generation’s awareness of the importance of financial planning continues to increase. In line with this, the Indonesia Millennial and Gen Z Report 2026 by IDN Research Institute also shows that 63% of young people have side jobs to help their families and 60 percent do it to prepare personal savings.
This fact reflects the spirit of the younger generation to be more independent, productive, and responsible for their future. Karin Zulkarnaen, Chief Customer & Marketing Officer, Prudential Indonesia said, for the younger generation, today’s financial challenges are not just about income, but about feeling secure about the future, not to mention the market volatility that can happen at any time.
“At Prudential Indonesia, we start from the perspective of the Customer, how a solution can really be relevant to their dynamic, responsible, and full of dreams reality. The survey from IDN mentions that as many as 43 percent of Gen Z and 44 percent of Millennials show a strong interest in increasing their income through side jobs or having small businesses. For this reason, PRUMapan is designed so that young people can plan their future to be financially independent which can be done by building a business or pioneering a business one day which can start from now in an affordable, flexible, and sure way, so that they can remain productive today to realize their dreams in the future,” explained Karin.
Responding to the needs of today’s young people, PRUMapan is designed as a long-term financial planning solution that is easy to understand and relevant to the lifestyle of the younger generation. With premiums starting from Rp. 200,000, flexible payment, certainty of returns in the form of Mapan Fund Benefits, and registration process without medical examination, PRUMapan provides convenience for young people to start taking steps from now on.
Various benefits provided by PRUMapan include:
Life protection due to natural death or additional due to accidents according to the provisions of the policy.
The benefits of the Mapan Fund are paid starting at the age of 55 to 75 years (or 20 years after the Mapan Age).
Flexibility to access the Mapan Fund Benefits early, starting at age 45 or after 11x premium payment (whichever is the latest), as well as the option of Additional Premiums at the beginning of the Policy application to increase the Mapan Fund Benefits specifically for the age of the Insured ≥37 years.
Maximum benefits that can be received up to 5.8 times the annual premium, depending on the age of the insured policy. This product also provides a choice of cash benefit flexibility according to the needs of the Customer in the form of a choice of Mapan Fund Benefits paid in the same amount per year in 21 times or a larger amount in the first year and the same amount in the following years.
Easy registration, without health checks for a maximum of IDR 250 million per Insured; or with some health questions for Annual Premiums > IDR 250 million to IDR 500 million per Insured.
Yolanda Yasinta, Chief Strategy & Transformation Officer, Prudential Indonesia, said that PRUMapan was designed as a long-term planning solution that provides certainty and flexibility from the start for young people.
“Through the benefits of the Mapan Fund with the predetermined value, affordable premiums, and ease of registration without medical examination, PRUMapan helps young people build a more planned financial foundation, giving them room to remain productive today while preparing for future needs in a more controlled manner,” he said.
Reza Nurhilman, Founder of Keripik Maicih, said, as a young entrepreneur, I learned that building a dream is not enough just with courage and hard work, but also financial readiness from the start.
“When business starts to grow, the risks also increase, and without proper planning and protection, one unexpected event can hinder the dreams that have been built. Therefore, having protection and long-term planning from an early age is an important part so that we can focus on developing our business and continue to move forward with confidence,” said Reza.
In this context, solutions such as PRUMapan are relevant for the younger generation and business actors because they offer protection as well as structured future planning. With clear and flexible benefits, PRUMapan helps young people prepare for their future and long-term plans, so that the dream of building a business and a more stable life can be realized without having to sacrifice financial tranquility in the future.
“Prudential Indonesia will continue to innovate by providing relevant solutions for every phase of the life of Indonesian people, including young people