This type of insurance is the most widely sought after by people in Indonesia is currently the Insurance Link units, according to the life insurance Association (AAJI) Indonesia in 2010 said that investment-linked products most sought after which 32,85 Rp mengontribusi trillion managed or 62,41%. Almost all large insurance companies in Indonesia have this product there are even a few foreign insurance companies in Indonesia who only sell insurance products Unit links without selling traditional insurance products.
Insurance unit link insurance is associated with investments, which combines protection and investment, with the saving period is shorter with a high investment results. Unit linked life insurance in addition to providing the benefits of life insurance protection, also provides the opportunity to participate directly in the investment especially in mutual funds.
The life insurance Unit of the Link makes it easy for the customer to manage the Financials so no need to go to two companies namely, insurance companies and investment fund management company, because with this protection and investment products already packaged into one. Even borrowers who have mediocre earnings can easily get protection and make an investment because it can be done with the total value of the investment is relatively low.
Life insurance product Link units also have high liquidity since value investing so far insufficient may be taken by the customer at any time, even after a certain period the value of this investment can be used to pay the premium basis so that the customer can do leave a premium.