IBL Insurance

Life insurance-backed loan for Max Prestige Heritage & Max Prestige Heritage Protector policy holders via OCBC

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

IBL Insurance

    IBL Insurance Terms of Application

    Product Information Summary

  1. Individual applicants
  2. Indonesian citizenship
  3. Minimum age 21 years old/ married
  4. Maximum age 75 years old by the end of loan tenure
  5. Receives regular income as an employee, entrepreneur, or professional.
  6. Employee (permanent/contract) with min. 2 years of experience.
  7. Entrepreneur/Professional with min. 2 years of experience within the same industry
  8. 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
  • Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable)
  • Prenuptial Agreement (if applicable)
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)
  • Verified certification letter of current remuneration
  • Certification letter declaring remuneration raise issued by place of employment
  • Verification letter issued by related organization
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)

IBL Insurance

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IBL Insurance

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