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MENGENAI AAJI
Kontan.co.id, 31/1, Investasi Asuransi Jiwa Tumbuh Tipis
http://m.kontan.co.id/news/investasi-asuransi-jiwa-tumbuh-tipis
INVESTASI ASURANSI
Investasi asuransi jiwa tumbuh tipis
Oleh : Tendi Mahadi
Minggu, 31 Januari 2016
18:31 WIB
JAKARTA. Industri asuransi jiwa di dalam negeri menghadapi tantangan tak enteng di
tahun kemarin, termasuk dari sisi investasi. Otoritas Jasa Keuangan (OJK) mencatat
pertumbuhan dana investasi industri sepanjang 2015 cuma naik tipis dibanding catatan di
2014.
Berdasarkan catatan regulator, hingga penghujung 2015 kemarin industri asuransi jiwa
mencatatkan dana investasi sebesar Rp 283,1 triliun. Angka ini naik tipis 1,6% dari jumlah
investasi di tahun sebelumnya yang tercatat Rp 278,6 triliun.
Ketua Asosiasi Asuransi Jiwa Indonesia (AAJI) belum lama ini menyebut kondisi
perlambatan ekonomi yang berbarengan dengan memerahnya nilai di pasar modal ikut
berdampak pada pasar asuransi jiwa di 2015.
Meski begitu toh dana investasi dari pelaku industri tetap menunjukkan pertumbuhan. "Ini
menunjukkan optimisme perusahaan asuransi jiwa masih besar untuk jangka panjang,"
katanya.
Secara komposisi, dana investasi asuransi jiwa di sepanjang 2015 sendiri didominasi oleh
saham yang mencapai Rp 82,5 triliun. Lalu diikuti reksadana sebesar Rp 68 triliun.
Penempatan investasi di deposito mencapai Rp 48,3 triliun. Kemudian surat utang menjadi
tempat penempatan terbesar berikutnya baik dari negara maupun korporasi. Masingmasing nilainya mencapai Rp 45,1 triliun dan Rp 24,4 triliun.
Editor : Hendra Gunawan
INDUSTRI ASURANSI JIWA
Thejakartapost.com, 30/1, Insurance Firms Go Online To Boost Premiums
http://www.thejakartapost.com/news/2016/01/30/insurance-firms-go-online-boost-premiums.html
Insurance firms go online to boost premiums
The Jakarta Post, Jakarta | Business | Sat, January 30 2016, 5:19 PM
In addition to recruiting new agents, Sequis Life and FWD Life recently launched mobile applications to boost their
new-premium income.
Sequis Life president director Tatang Widjaja said the company‟s newest mobile app, „Sequis Ez‟, for agents and
revamped site “Sequis Online” for customers were part of its efforts to increase gross premium income by 14 percent
this year after increasing by 12 percent last year.
“[The system] will assist us in managing and monitoring our agencies‟ performance, boosting operational efficiency
and burnishing the firm‟s image especially to attract the younger generation as active tech users,” he said at the
launch of the app and new site in Jakarta recently.
Tatang said the firm spent between Rp 100 billion (US$7.2 billion) and Rp 150 billion each year to develop its IT
system.
„Sequis Ez‟ can be downloaded by agents as a tool to display real-time forms and guidelines to help them promote
unit-linked and traditional products and close deals with potential customers. The app captures physical documents
and validates purchases.
“We now have 14,000 agents and are aspiring to recruit 2,000 more this year,” he said.
„Sequis Online‟, meanwhile, was the company‟s website from which customers could purchase traditional products
with monthly premiums starting from as little as Rp 33,000, Tatang added.
“The site is part of our efforts to boost sales through micro customers. Only 2.51 percent of the country‟s 250 million
people have purchased insurance products. It means there are more than 100 million potential customers. We want
to get this bulk first before enlarging the figure,” he explained.
The number of internet users in Indonesia jumped 20.5 percent in 2014 to 88.1 million people. The number of
smartphone users is predicted to hit 103.6 million in 2017 from around 61.2 million in 2014.
According to unaudited 2015 year-end financial report, Sequis Life booked total gross premium income of Rp 2.89
trillion, a 12 percent increase year-on-year (yoy). Total assets went up 1 percent to Rp 15.3 trillion and profits up 38
percent to Rp 735 billion.
At the same time, it paid out claims worth Rp 136 billion and $432,650. The company has around 400,000 policy
holders. It aims to see its gross premium income increase by 14 percent this year to more than Rp 3 trillion.
According to the Indonesian Life Insurance Association (AAJI), the industry‟s total premium income rose by 16
percent to Rp 100.8 trillion as of September last year.
Besides Sequis Life, other life insurance firms have also adopted digital sales as their business strategy.
FWD Life, for example, has been using the FWD Life mobile app for its agents and customers to sell and buy
products, since its first operation in 2014. The company recently launched another app, FWD Digital Agency for its
agents to help them recruit other agents in a paperless and faster wayFWD Life vice president director Jens Reich
said that with the app, the firm hoped to double its number of agents from 2,500 to 5,000 this year. It also expects to
have 1 million policy holders by 2017 from 26,000 currently.
Besides launching the app, the firm is also partnering with 62 Excelso Cafe branches to provide meeting points for
various promotions for its agents and customers. (rbk)
Bisnis Indonesia, 2/2, hal 22, Premi Tebal Dengan Platform Digital
Kontan.co.id, 1/2, Surat Utang Menjanjikan Imbal Hasil Lebih Stabil
http://m.kontan.co.id/news/surat-utang-menjanjikan-imbal-hasil-lebih-stabil
Surat utang menjanjikan imbal hasil lebih stabil
Oleh : Tendi Mahadi
Senin, 01 Februari 2016
12:07 WIB
JAKARTA. Kondisi pasar saham yang anjlok sepanjang
tahun lalu membuat industri asuransi jiwa berpikir ulang
menanamkan dana di pasar saham. Tahun ini, beberapa
perusahaan asuransi memilih menyimpan dana di surat
utang yang dianggap memiliki imbal hasil lebih stabil.
Berdasarkan data Otoritas Jasa Keuangan (OJK), di tahun
lalu, total dana investasi industri asuransi jiwa mencapai Rp
283,1 triliun atau naik 1,6% dari 2014. Sementara hasil
investasi perusahaan asuransi jiwa mencapai Rp 6,48 triliun.
Ini artinya return investasi industri asuransi jiwa hanya
sekitar 2,29%.
Sementara, secara komposisi, dana investasi asuransi jiwa di 2015 didominasi saham sebesar Rp 82,5 triliun atau
29,1% dari total investasi. Penempatan investasi di saham itu lebih mini dari 2014 sebesar Rp 88 triliun atau 31,5%
dari total investasi. Ketua Asosiasi Asuransi Jiwa Indonesia (AAJI) Hendrisman Rahim bilang, penempatan investasi
saham dikurangi sejalan pergerakan bursa saham yang menurun. "Sebagai gantinya dialihkan ke tempat lain
terutama reksadana dan deposito. Karena risikonya agak terkontrol," kata dia.
Pada 2015, penempatan dana di reksadana terctata Rp 68 triliun, deposito Rp 48,3 triliun, surat utang negara (SUN)
Rp 45,1 triliun, dan obligasi korporasi sebanyak Rp 24,4 triliun.
Pantau saham
Hendrisman menambahkan industri asuransi jiwa masih memantau pergerakan pasar saham. Kalau di kuartal I-2016
membaik, asuransi jiwa berpotensi kembali menempatkan dana di saham.
Asuransi Jiwa Bersama (AJB) Bumiputera termasuk yang mengandalkan penempatan dana investasi di surat utang.
Perusahaan ini berharap strategi tersebut bisa membuat hasil investasi lebih stabil. Apalagi, kata Direktur AJB
Bumiputera Ichsan Nathin, potensi fluktuasi pasar saham masih cukup besar. "Fokus di obligasi dan surat berharga
negara," kata dia.
Tahun lalu, dana investasi Bumiputera mencapai Rp 12 triliun. Dari dana ini 30% berupa obligasi. Return investasi di
kisaran 12% sampai 13%.
Nah pada tahun ini, Bumiputera berharap bisa menghasilkan return 13%. Selain mengandalkan obligasi, Bumiputera
juga akan optimalisasi aset dan mendongkrak risk based capital (RBC).
Kontribusi aset berupa tanah bagi total aset Bumiputera saat ini mencapai 35%. "Tapi hanya 10% yang bisa dihitung
ke RBC. Makanya kami ingin optimalkan aset tanah ini," kata dia. Caranya dengan membangun kantor yang belum
digunakan dan menyewakan kantor lama. Bumiputera juga berencana membangun kawasan terpadu di Depok.
PT Asuransi Jiwa Sequis Life pun menargetkan perolehan imbal hasil tak jauh beda dengan tahun lalu yakni 9%.
Presiden Direktur Sequis Life Tatang Widjaja bilang, pihaknya masih akan menggunakan strategi investasi.
Perusahaan ini masih mengandalkan investasi di SUN dengan porsi 70%. Sequis juga menempatkan dana obligasi
korporasi. Dengan penempatan dana ini diharapkan imbal hasil investasi bakal stabil dan tidak terpengaruh fluktuasi
pasar saham.
Editor : Dikky Setiawan
Kontan.co.id, 31/1, Asuransi Jiwa Kurangi Investasi Saham
http://m.kontan.co.id/news/asuransi-jiwa-kurangi-investasi-saham
Asuransi jiwa kurangi investasi saham
Oleh : Tendi Mahadi
Minggu, 31 Januari 2016
18:42 WIB
JAKARTA. Memerahnya pasar modal di 2015
kemarin direspons industri asuransi jiwa
dengan mengurangi komposisi investasi di
instrumen tersebut. Sebagai gantinya, porsi
investasi di instrumen lain ditingkatkan.
Berdasarkan data Otoritas Jasa Keuangan
(OJK) dari total dana investasi asuransi jiwa
yang mencapai Rp 283,1 triliun di tahun
kemarin, sebesar Rp 82,5 triliun disimpan din
keranjang saham. Jumlah tersebut setara dengan 29,1% dari total dana investasi.
Penempatan investasi di saham ini lebih rendah dibanding catatan pada 2014 yang sebesar
Rp 88 triliun. Saat itu porsi investasi di instrumen saham mencapai 31,5% dari total dana
investasi.
Ketua Asosiasi Asuransi Jiwa Indonesia (AAJI) Hendrisman Rahim bilang penempatan
investasi di saham memang cenderung dikurangi sejalan dengan pergerakan bursa saham
yang menurun.
"Sebagai gantinya dialihkan ke tempat lain terutama reksadana dan deposito. Karena dua
tempat ini risikonya agak terkontrol," kata dia beberapa waktu lalu.
Investasi di pos reksadana memang menunjukkan peningkatan di tahun kemarin.
Sebelumnya di 2014, porsi investasi di reksadana adalah sebesar 23,3%. Lalu meningkat
jadi 24% di 2015 lalu.
Porsi investasi di deposito juga menunjukkan peningkatan tipis. Yakni dari sebelumnya
16,7% di 2014 menjadi 17% di tahun lalu.
Surat utang baik dari negara maupun korporasi juga mencatatkan kenaikan porsi investasi
menjadi 24,5%. Sebelumnya di 2014, porsi investasi di keranjang tersebut tercatat sebesar
23,7%.
Hendrisman menambahkan industri asuransi jiwa masih akan terus memantau pergerakan
pasar saham. "Kalau di kuartal pertama 2016 sudah membaik, porsi investasi akan kembali
ke yang sudah-sudah," ungkapnya.
Editor : Hendra Gunawan
Media Indonesia, 2/2, hal 19, J Trust Gaet Sinar Mas MSIG Life
The Jakarta Post, 2/2, hal 20, Bancassurance
Bisnis Indonesia, 2/2, hal 21, Target Pertumbuhan
Kontan, 2/2, hal 24, Kerjasama Bancassurance
Bisnis Indonesia, 2/2, hal 21, Kontribusi Premi Ke Grup Dipacu
Indopos, 1/2, hal 16, AIA : Berbagi
EKONOMI MAKRO & REGULASI
Thejakartapost.com, 1/2, OJK Exempy Unit-Linked Insurance DPLK Bonds Rule
http://www.thejakartapost.com/news/2016/02/01/ojk-exempt-unit-linked-insurance-dplk-bonds-rule.html
OJK to exempt unit-linked insurance, DPLK from bonds rule
Grace D. Amianti, The Jakarta Post, Jakarta | Business | Mon, February 01 2016, 5:45 PM
The Financial Services Authority (OJK) will exempt two types of business in the pension fund and insurance
industries from an upcoming regulation requiring a minimum ownership in government bonds.
OJK deputy commissioner for non-banking supervision Dumoly F. Pardede said the new regulation would not be
imposed on the Financial Institution Pension Fund (DPLK) and unit-linked life insurance products.
The DPLK is a pension fund managed by financial institutions while unit-linked insurance offers protection and
investment.“For this year, the DPLK and unit-linked insurance products will be allowed to manage their own portfolios
in government bonds independently,” Dumoly said in Jakarta recently.
Dumoly said the financial regulator decided to exempt the two types of business as they were flexible with
adjustments in accordance with the needs of customers, particularly regarding the percentage of investment.
Despite the exemption, Dumoly said the OJK would keep suggesting that the DPLK and life insurers with unit-linked
products prioritized government bonds when offering investment schemes to customers.
“We will evaluate their risk management and ask them to better manage their portfolios if they have an overly high
percentage of floating investments in the capital market,” he said.
OJK chairman Muliaman D. Hadad said in November that domestic pension funds and insurers would be required to
keep a minimum percentage of government bonds in their portfolios to help provide stability for the debt market.
Muliaman said the minimum percentage of ownership would keep the country’s bond market from high volatility, while
also pushing a stronger domestic investor base.
Domestic pension funds and insurers owned 15.1 percent of government bonds in the secondary market as of Dec.
31 last year, Finance Ministry data showed. Foreign investors held 38.2 percent.
Dumoly said the upcoming regulation, which is currently under review at the Law and Human Rights Ministry, would
require life insurers and non-financial institution pension funds to keep a minimum 30 percent of government bonds in
their portfolios by the end of 2016. Meanwhile, general insurers, reinsurers and guarantors would be required to keep
20 percent of government bonds in their portfolios, he said.
Similarly, Dumoly said the Health Care and Social Security Agency (BPJS Kesehatan) would be required to invest a
minimum 30 percent of its portfolios in government bonds institutionally.
“However, the Workers Social Security Agency [BPJS Ketenagakerjaan] should also keep a minimum of 50 percent
of its social security funds in government bonds,” he said, adding that the OJK would increase the minimum
percentages in 2017.
With the gradual increase of the minimum percentage, Dumoly said the OJK predicted that the non-banking industry’s
investment allocation in government bonds could reach Rp 286.2 trillion by 2020, from Rp 147 trillion currently.
Indonesian Life Insurance Association (AAJI) chairman Hendrisman Rahim said the life insurance industry would
welcome the regulation as government bonds had the benefit of lower tax, which could become an incentive for life
insurers.
Meanwhile, Indonesian Life Insurance Association (ADPI) chairman Mudjiharno Sudjono told Reuters previously that
a minimum government bond requirement could result in lower investment yields for pension funds, but would be
positive for risk management.
“Government bonds are much more stable [than shares], which is good for long-term investors like us,” he said.
“There are some pension funds that are exposed as high as 40 percent to stocks, which is not good, especially in
today’s market.”
The Jakarta Post, 1/2, hal 20, OJK to Exempt Unit-Linked Insurance, DPLK From Bonds
Rule
Kompas, 2/2, hal 20, OJK Fokus Pengembangan Ke Pertanian dan Nelayan
Investor Daily, 2/2, hal 23, Premi Asuransi Konvensional Capai Rp. 181 Triliun
Kontan, 2/2, hal 24, OJK : Peryumbuhan Premi Asuransi Tahun Ini Bisa 20%
Investor Daily, 2/2, hal 23, Asuransi Minta Porsi Kepemilikan Asing Dipertahankan
The Jakarta Post, 2/2, hal 20, New Ruling On Foreign Shares In Insurance To Be Issued
Soon
Kontan, 2/2, hal 24, Porsi Asing di Asuransi
Kontan, 2/2, hal 4, IHSG Dibayangi China dan Harga Komoditas