Jakarta, ThedailyID — As a trusted partner and protector for current and future generations, PT Prudential Life Assurance continues to introduce financial solutions that respond to global economic dynamics. At the start of 2026, Prudential Indonesia, together with its bancassurance partner Standard Chartered Indonesia, officially launched PRUTreasure Dollar, a traditional endowment life insurance product denominated in U.S. dollars that combines life protection with living benefits to support medium- to long-term financial planning.
The launch comes amid growing long-term economic challenges. Over the past 15 years, cumulative inflation in Indonesia has reached around 64.7%, according to Badan Pusat Statistik, driving higher living, education, and family expenses. At the end of 2025, Bank Indonesia projected 2026 inflation at 2.5±1%. In a dynamic global economy, structured financial planning and asset diversification — including through U.S. dollar–based instruments — are increasingly important to help preserve family wealth.
PRUTreasure Dollar is designed as a simple and measurable financial solution that offers certainty of benefits. The product provides 15 years of life protection with a relatively short premium payment period of five years, fully denominated in U.S. dollars. This structure allows customers to manage exchange-rate risks while planning family financial goals with greater predictability.
Vice President Director Prudential Indonesia Vikas Sinha said the company remains committed to delivering protection and financial planning solutions tailored to the needs of affluent customers. He noted that PRUTreasure Dollar combines structured life protection and living benefits in U.S. dollars to help Indonesian families, particularly Standard Chartered Indonesia clients, preserve asset value and prepare for the future amid global economic shifts.
Echoing this view, Tandy Cahyadi, Head of Affluent Segment, Distribution & Wealth Solution at Standard Chartered Indonesia, said the collaboration brings a holistic solution for affluent clients. The product supports asset diversification, medium-term financial planning, and structured protection aimed at safeguarding long-term family prosperity.
The product targets affluent to high-net-worth customers seeking U.S. dollar–denominated protection and financial planning, regular living benefits, and an understanding of market and currency risks. With annual premiums ranging from USD 10,000 to USD 200,000 and coverage of up to USD 1.05 million, it is also relevant for clients considering intergenerational wealth transfer planning.
PRUTreasure Dollar offers several key benefits, including annual cash benefits equal to 10% of the annual premium paid from the end of the sixth policy year through the 15th year, as long as the policy remains active. It also provides a maturity benefit of up to 570% of the annual premium if the insured survives to the end of the policy term, and a death benefit of up to 105% of total premiums paid. The product features a Guaranteed Issuance Offering that simplifies policy approval without certain medical examinations. Vikas added that the product is expected to give Standard Chartered Indonesia clients a more stable and sustainable way to plan their financial future amid domestic and global economic changes.
