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Loan from Your Insurance

The solution to your investing or consumption needs

Stay Protected

Life insurance protected by MPH/MPHP

Repay in up to 10 Years

Long-run flexibility to your cashflow

Other Advantages

Flexible

Available with “against payment – DP” or “against acceptance – DA” options

Reputable

Good reputation with vast conections with overseas correspondent bank

Trustworthy

Transactions are handled by professional and experienced staff

IBL Insurance Terms of Application

Product Information Summary

Individual applicants
Indonesian citizenship
Minimum age 21 years old/ married
Maximum age 75 years old by the end of loan tenure
Receives regular income as an employee, entrepreneur, or professional.
Employee (permanent/contract) with min. 2 years of experience.
Entrepreneur/Professional with min. 2 years of experience within the same industry
A minimum income IDR 15 million/month

No	Document	Original/copy
1	Signed application form	Original
2	Valid National ID of applicant and spouse (for Indonesian citizen)	Copy
3	Family Certificate	Copy
4	Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable) Prenuptial Agreement (if applicable)	Copy
5	Birth Certificate (only applicable if the applicant's name consists of just 1 word or abbreviations)	Copy
6	Employee: Recent employment letter or other documents such as: SPT pph pasal 21 (prev. year) or Valid employment contract, or Last payslip (max. 3 months) Employer/Business Entity Deed stating the last share ownership (PT/CV) in the name of the Debtor or Business Existence Document on behalf of the debtor: SIUP / TDP / SK Domicile / Certificate of building manager / rental letter renting a place / SPK (Work Order) / Business Cooperation Contract (example of a Franchise agreement) Professional Verified certification letter of current remuneration Certification letter declaring remuneration raise issued by place of employment Verification letter issued by related organization	Copy
7	Other Documents Bank statement of the past 3 months Life Insurance Request Letter (SPAJ) – For Life Insurance purchase or Insurance Policy – For refinancing (Policy already issued)	Copy

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