Product Knowledge Assessment For Asm & Rsm Reguler

The correct answer is "Semuanya benar" because all of the options mentioned are valid solutions for a customer who is planning to finance their child's education abroad. The first option suggests offering the customer a product with US Dollar currency and offshore fund investment. The second option recommends regular premium payments for a long period to receive a loyalty bonus that can increase the customer's investment value. The third option informs the customer about the strengthening of the global currency, which is considered the best solution for investing, especially in planning a child's education abroad. Therefore, all of the options are correct solutions for the customer's needs.

Since Nona Nina made a withdrawal of Rp 81 million in the 6th year, she will not receive a loyalty bonus in the 7th year. The loyalty bonus is typically given to policyholders who do not make any withdrawals or surrender their policy before a certain period of time. Since Nona Nina made a withdrawal before the 7th year, she does not meet the criteria for receiving a loyalty bonus.

The answer "Semuanya benar" means that all of the options provided are correct and can be considered as appropriate solutions for Ibu Shirley. The financial advisor can provide a comprehensive and clear explanation of the features and benefits of MEP to help Ibu Shirley understand the investment. They can also suggest purchasing the MEP product in USD currency to match her existing savings and deposits. Additionally, the advisor can explain the fund performance of both offshore funds and recommend selecting both funds with a certain allocation percentage. All of these options address Ibu Shirley's risk profile and desire for maximum returns.

The correct answer is "Semua jawaban benar" which means "All answers are correct". This suggests that all the options mentioned in the question are valid reasons for why customers should choose the Mandiri Golden Offshore Fund. These reasons include increasing investment diversification based on USD, exposure to emerging markets and developed countries, and advisory portfolio strategy for customers.

The given statement states that all the information provided about the significant differences (benefits & features of the product) between Mandiri Sejahtera Mapan (MSM) and MPS - Solusi Perlindungan Jiwa (Mandiri Perlindungan Sejahtera + rider AP) is correct. It mentions the benefits for the policyholder in both products, such as the death benefit, investment value, disability benefit, and the difference in premium and acquisition costs. Therefore, the answer "Semua benar" (All correct) is appropriate.

If Pak Risyad, the policyholder and insured, experiences a fatal accident while traveling on a commercial plane, the benefit received by the heirs will be 100% of the basic benefit amount of Rp 500 million plus 100% of the additional accident benefit amount of Rp 1 billion, as well as the investment value in the form of returns or earnings.

Semua pernyataan yang diberikan merupakan keuntungan bagi nasabah jika membeli produk MEP dengan mata uang US Dollar dan offshore fund. Pernyataan I menunjukkan bahwa mata uang global semakin menguat, yang berarti nilai investasi dalam mata uang US Dollar akan meningkat. Pernyataan II menyatakan bahwa produk ini tidak terpengaruh oleh kondisi ekonomi dan politik di Indonesia, sehingga risiko investasi dapat dikurangi. Pernyataan III menunjukkan bahwa market ekonomi di Amerika Serikat merupakan yang terbaik di dunia, yang menunjukkan potensi keuntungan yang tinggi. Pernyataan IV menunjukkan bahwa Amerika Serikat memiliki banyak universitas terbaik di dunia, yang menunjukkan kemungkinan adanya sumber daya manusia yang berkualitas untuk mengelola investasi.

The statement "Semua jawaban benar" means that all of the previous statements are correct. This implies that all of the statements about the value proposition of Mandiri Investasi Prestise and Mandiri Golden Offshore Fund are accurate. These include the benefits of life protection, accident coverage, critical illness protection, and hospital expenses. Additionally, it mentions the optimum investment placement with 100% premium allocation and the flexibility to transfer funds without additional charges. Lastly, it highlights the portfolio diversification in terms of currency, geography, and industry sector through an offshore fund actively monitored by a fund manager.

In the given scenario, Nyonya Danisa purchased an MPS - Solusi Perlindungan Jiwa policy with an annual premium payment of Rp 75 million. The premium breakdown includes a regular premium of Rp 60 million and a top-up premium of Rp 15 million. In the second year of the policy, Nyonya Danisa made a lump sum top-up of Rp 100 million. The question asks for the deduction of top-up fees in the second year. Based on the answer provided, the deduction for regular top-up fees is Rp 375,000 and for lump sum top-up fees is Rp 2,500,000.

Pak Andreas will receive a Loyalty Bonus of 3,750 USD at the end of the 8th year. This bonus will be converted into units and added to the customer's unit balance.

All of the statements are correct. The first statement states that the cost of cancer treatment after hospitalization is covered up to Rp150 million. The second statement says that if Nyonya Lita uses the benefit of cancer treatment after hospitalization, she cannot use the benefit of treatment costs after hospitalization. The third statement states that the first treatment for cancer should be done through hospitalization, but subsequent treatments do not require hospitalization again. Therefore, all of the statements are correct.

Pak Anton dapat menerima Uang Pertanggungan (dasar) maksimal sebesar 2.000.000 USD karena itu adalah jumlah tertinggi yang tercantum dalam pilihan jawaban. Biaya penarikan sebagian unit yang dibebankan jika Pak Anton melakukan penarikan sebesar 3.000 USD di tahun ke-3 adalah 750 USD, karena itu adalah jumlah yang tercantum dalam pilihan jawaban.

The correct answer is "Fund Manager: AXA Mandiri, Tingkat Risiko: Tinggi, Alokasi Investasi: 100% Saham di Amerika Serikat." This is the correct answer because it states that the fund manager is AXA Mandiri, the risk level is high, and the investment allocation is 100% in US stocks. The other options either have incorrect risk levels or incorrect investment allocations.

The correct answer is "Fund Manager: AXA Mandiri, Tingkat Risiko: Sedang, Alokasi Investasi: 50% Surat Hutang & 50% Saham di Amerika Serikat." This is the correct answer because it states that the fund manager is AXA Mandiri, the risk level is moderate, and the investment allocation is 50% in bonds and 50% in stocks in the United States.

The correct answer is Rp 125.000.000,-. Tuan Ridwan purchased the MPS - Solusi Perlindungan Jiwa policy with a basic sum assured of 500 million and an additional sum assured of 250 million. The benefit for disability due to an accident is 25% of the additional sum assured, which is 62.5 million. However, the maximum benefit for disability is limited to 50% of the basic sum assured, which is 250 million. Therefore, Tuan Ridwan can receive a benefit of 125 million for his disability.

The correct answer is 75% (Polis Rp) atau 65% (polis USD) dari Nilai Investasi Premi Dasar dan 0% (Polis Rp) atau 0% (polis USD) dari Nilai Investasi Top Up. This means that if a customer decides to cancel their policy in the first year, they will be charged 75% of the basic premium investment value for Polis Rp or 65% for polis USD. However, there will be no charge for the investment value of top-ups.

The correct answer is 0,4% (Polis Rp) atau 0,25% (Polis USD) per bulan dari Nilai Investasi Premi Dasar. This means that the maintenance fee for the policy is 0,4% of the premium investment value in Indonesian Rupiah or 0,25% in US Dollars per month. This fee is only applicable for the first 5 years of the policy.

The correct answer is IV, V, VI, VII. These statements indicate the benefit provisions for the insured in the case of critical conditions in the final stage. Statement IV states that the coverage ends after the insured has received a 200% benefit. Statement V mentions that the insured will receive a 200% additional insurance coverage. Statement VI indicates that it protects against 56 critical conditions in the final stage. Finally, statement VII states that if the insured has already claimed for a critical condition in the initial stage, they will only receive the remaining coverage amount.

Ibu Mia will receive the benefit of UP Asuransi Tambahan Penyakit Kritis 800 juta. This is because she has a policy that provides coverage for critical illnesses, and she has a coverage amount of Rp 400 juta for the basic UP and an additional coverage amount of Rp 400 juta for the UP Asuransi Tambahan Penyakit Kritis. Since she has been diagnosed with advanced stage breast cancer, she will receive the maximum coverage amount of Rp 800 juta for the critical illness.

The selling points of Asuransi Mandiri Investasi Prestise are as follows:
i. 100% allocation of premium payment for customer's investment
ii. Ability to transfer investment funds at any time without additional charges
iii. Use of single price: bid price
iv. Loyalty Bonus every 5 years and its multiples of 1% based on the average balance over the last 60 months.

The correct answer includes all of these selling points, which are ii, iii, iv, and i.

The answer is UP Asuransi Tambahan Penyakit Kritis 500 juta. This is because the policy states that the Additional Critical Illness Insurance Benefit is for Rp 500 million. Therefore, when Ibu Gina experiences stage 4 uterine cancer, she will receive this benefit amount. The other options are not applicable as they either do not match the stated benefit amount or state that no benefit will be paid.

Based on the given information, the customer is 28 years old and can afford to pay a premium of Rp 30 million per year. The ideal composition of RBP mix is determined by the customer's risk tolerance and investment goals. In this case, the ideal composition is RBP 9 million and RTU 21 million. This means that the customer should allocate 30% (9 million) of the premium towards a low-risk RBP (Risk-Based Product) and 70% (21 million) towards a higher risk RTU (Return-Based Unit) to achieve their investment objectives.

Pak Risyad, as a policyholder and insured of Asuransi Mandiri Wealth Plan, is entitled to various benefits including UP Maslahat Dasar, UP Maslahat Tambahan Kecelakaan, and UP Maslahat Tambahan Cacat Tetap Total. If he experiences an accident resulting in the loss of one hand from the wrist, the benefit he will receive is 600.000.000 or 60% of UP Maslahat Tambahan Kecelakaan.

The correct answer is Rp2.300.000. This is the amount of the laboratory examination fee that is not covered by the other insurance. The total cost of the laboratory examination is Rp2.300.000, but only Rp2.000.000 is covered by the other insurance. Therefore, AXA Mandiri will cover the remaining amount of Rp2.300.000.

The value proposition that can be communicated to customers for Asuransi Mandiri Wealth Plan includes optimal investment growth, diversified investment strategies, and a worry-free life. This means that the insurance plan offers the potential for high investment returns, a variety of investment options to minimize risk, and the assurance of a secure and worry-free financial future. Additionally, the plan offers savings solutions specifically designed for Bank Mandiri's priority customers, where 100% of the premium is directly invested according to the customer's chosen fund and a guarantee of no lapse for the first 5 years. The plan also provides bonus investment allocations and loyalty bonuses to further enhance the customer's investment value.

The correct answer is Asia High Conviction & Golden Age. This is because the given options are combinations of different funds, and the only combination that includes both "Asia High Conviction" and "Golden Age" is the correct answer.

Boni mendapat manfaat penggantian biaya rawat jalan darurat karena kecelakaan sesuai plan yang telah dipilih. This is because the information provided states that Boni was taken to the emergency unit (UGD) and received treatment for 4.5 hours. This indicates that Boni received outpatient emergency care, which is covered by the chosen plan.

The termaslahat (beneficiary) appointed by Pak Banu will receive the basic sum insured (UP dasar) of Rp 450 million plus the non-guaranteed interest (NI) that has been accumulated over the years. This means that the beneficiary will receive the initial sum insured amount along with any additional interest that has been earned on the policy.

The correct answer is "Biaya Aneka Perawatan Rumah Sakit". This is because the cost of chemotherapy, which is a form of treatment for prostate cancer, would be included in the "Biaya Aneka Perawatan Rumah Sakit" category. This category covers various treatments and procedures provided by the hospital during the patient's stay.

Tuan Anton akan mendapatkan manfaat maksimal sebesar Rp14.000.000 jika dirawat di ruang ICU selama 7 hari. Hal ini dapat disimpulkan dari informasi yang diberikan bahwa Tuan Anton memiliki produk MPS Solusi Perlindungan Kesehatan dengan plan C.

The annuity factor used to calculate the cost of premium payment protection is based on the duration of coverage, which in this case is 10 years. This means that the cost of providing coverage for the premium payment protection for the policyholder and the insured will be calculated based on a 10-year period.

The correct answer is Rp20.000.000 (rawat inap biasa) + Sesuai Tagihan (ICU). This is because the maximum benefit received by the customer for inpatient care and ICU is the sum of Rp20.000.000 for regular inpatient care and the actual bill for ICU. Since the customer had to be hospitalized for 3 days in the ICU and 5 days in the regular ward, they would be eligible for the maximum benefit amount.

The correct answer is Rp 1.470.000.000. This is because Ibu Ani experienced a heart attack (stadium awal) and had a pacemaker implanted, which qualifies as a critical illness covered by the additional critical illness insurance. She also underwent angioplasty (kondisi kritis tambahan) and a heart valve replacement (stadium akhir), both of which are considered additional critical illnesses covered by the insurance. Therefore, she can claim 100% of the additional critical illness insurance for the heart attack, 10% for the angioplasty, and 100% for the heart valve replacement, totaling Rp 1.470.000.000.

The correct answer is II, III, IV. These statements explain the benefits for the insured in the early critical condition stage. Statement II states that it covers 55 early critical conditions, while statement III mentions that the insured can make two claims or receive 200% of the additional insurance coverage for different types of early critical conditions. Statement IV states that the coverage ends once the 200% benefit has been given. Therefore, these statements define the benefits for the insured in the early critical condition stage.

The total amount of coverage that will be received by the beneficiary is Rp 2.420.000.000,-. This is calculated by adding up the coverage amounts for each event that occurred. For the critical illness coverage, Ibu Ani is entitled to Rp 700 juta for the heart pacemaker installation and Rp 700 juta for the heart valve replacement. Additionally, for the additional benefit of death or disability due to an accident, she is entitled to Rp 250 juta. Finally, for the basic life insurance coverage, the amount is Rp 700 juta. When all these amounts are added together, the total coverage received by the beneficiary is Rp 2.420.000.000,-.

The correct answer is "i dan iii". This is because statement i states that the Loyalty Bonus is given at the end of the 5th policy anniversary and every multiple of 5 years in the form of additional units. Statement iii states that if a policy recovery is done, the Loyalty Bonus will still be paid starting from the Policy Effective Date. Therefore, both statements i and iii are correct in explaining the Loyalty Bonus on Asuransi Mandiri Investasi Prestise.

The correct answer is "Perlindungan Pembayaran Premi Plus selama 12 tahun, dengan masa observasi selama 6 bulan setelah kecelakaan". This is because the question states that the policyholder (PP) and the insured (TT) are not the same person, and the policyholder is 52 years old while the insured is 24 years old. The plan they have is the SDP Plan Gold, which includes an additional benefit of Rp225 million. In the event of an accident causing total permanent disability, the policyholder will receive the benefit of premium payment protection for 12 years, with a 6-month observation period after the accident.

The correct answer is "Perlindungan dana pendidikan total premi 30 juta/tahun selama 5 tahun". This means that the policy provides coverage for education funds with a total premium of 30 million per year for a duration of 5 years. This option is chosen because it matches the given information about the policy and the age of the policyholder's child.

Based on the information provided, Bapak Carles has an additional critical illness insurance coverage of Rp 500 million. However, the claim he is making is for an early stage of melanoma cancer, which is not covered under the policy. Therefore, no benefits will be paid out for this particular claim.

The correct answer is "Perlindungan pembayaran premi plus silver 12 juta/tahun dan perlindungan dana pendidikan total premi 24 juta/tahun selama 11 tahun". This is because the policyholder, who is 40 years old, chose the SDP plan silver with a basic premium of 12 million/year and a regular top-up of 12 million/year. When the policyholder reaches 45 years old and experiences a permanent total disability, they will receive the benefit of premium payment protection plus silver 12 million/year and total education fund protection with a premium of 24 million/year for a duration of 11 years.