Model Poin

Age 30
Insurance Term 60
Payment Term 5
Payment Method Monthly
Sum Insured 43,682,452

Items Formula
Yr-1 Yr-2

GWP - Reguler
-Basic Premium 1 2,540 1,852
-Regular Top Up 2
GWP - Single
-Basic Premium 3 0 0
-Single Top Up 4 0 0
Total GWP 5=sum(1:4) 2,540 1,852

OTHER INCOME
Investment Income 6 37 113
Surrender Charges 7 0 0
Withdrawal Charges 8 0 0
TOTAL REVENUE 9=sum(6:8) 2,577 1,965

TOTAL COMMISSION 10 1,194 213

BENEFIT
Claim Paid 11 14 11
ROP 12 0 0
Surrender 13 0 195
Withdrawal 14 0 0
Change in Reserve 15 908 1,312
TOTAL BENEFIT 16=sum(11:15) 922 1,517

TOTAL EXPENSES 17 475 188

GRS PROFIT / (LOSS) before Tax 18=9-10-16-17 (14) 46
Corporate Tax 25% 19=-25%*(18-6) 0 0
NET PROFIT/(LOSS) after Tax 20=18+19 (14) 46
Accumulated Profit (14) 32
*If (18-6) is positive
 P&L Analysis Solusi Abadi Plus
Solusi Abadi Plus
Yr-3 Yr-4 Yr-5 Yr-6 Yr-7 Yr-8 Yr-9 Yr-10 Yr-11

1,465 1,239 1,107 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
1,465 1,239 1,107 0 0 0 0 0 0

189 254 317 344 345 351 358 346 106

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
1,654 1,493 1,423 344 345 351 358 346 106

88 47 30 0 0 0 0 0 0

9 8 7 7 7 7 7 8 9
0 0 0 0 0 0 0 3,967 0
355 336 324 315 236 201 207 129 31
0 0 0 0 0 0 0 0 0
1,016 947 924 (23) 62 104 105 (3,794) 32
1,380 1,290 1,254 299 304 312 320 310 71

151 129 116 32 30 30 30 29 30

36 27 23 13 10 9 9 6 5
0 0 0 0 0 0 0 0 0
36 27 23 13 10 9 9 6 5
68 95 118 131 142 151 160 166 172
adi Plus
Yr-12 Yr-13 Yr-14 Yr-15 Yr-16 Yr-17 Yr-18 Yr-19 Yr-20

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0

109 111 113 115 117 119 121 123 125

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
109 111 113 115 117 119 121 123 125

0 0 0 0 0 0 0 0 0

10 11 11 12 14 15 17 18 20
0 0 0 0 0 0 0 0 0
32 33 34 35 36 37 38 39 40
0 0 0 0 0 0 0 0 0
32 32 32 32 31 30 29 28 27
73 75 77 79 81 82 84 86 87

30 30 30 31 31 31 31 32 32
 5 5 6 6 6 6 6 6 6
0 0 0 0 0 0 0 0 0
5 5 6 6 6 6 6 6 6
177 182 188 194 199 205 211 217 223
Model Poin
Age 40
Insurance Term 50
Payment Term 5
Payment Method Monthly
Sum Insured 43,682,452

Items Formula
Yr-1 Yr-2

GWP - Reguler
-Basic Premium 1 3,792 2,764
-Regular Top Up 2
GWP - Single
-Basic Premium 3 0 0
-Single Top Up 4 0 0
Total GWP 5=sum(1:4) 3,792 2,764

OTHER INCOME
Investment Income 6 67 178
Surrender Charges 7 0 0
Withdrawal Charges 8 0 0
TOTAL REVENUE 9=sum(6:8) 3,859 2,942

TOTAL COMMISSION 10 1,782 318

BENEFIT
Claim Paid 11 28 24
ROP 12 0 0
Surrender 13 102 402
Withdrawal 14 0 0
Change in Reserve 15 1,533 1,883
TOTAL BENEFIT 16=sum(11:15) 1,663 2,309

TOTAL EXPENSES 17 626 257

GRS PROFIT / (LOSS) before Tax 18=9-10-16-17 (211) 58
Corporate Tax 25% 19=-25%*(18-6) 0 0
NET PROFIT/(LOSS) after Tax 20=18+19 (211) 58
Accumulated Profit (211) (153)
*If (18-6) is positive
 P&L Analysis Solusi Abadi Plus
Solusi Abadi Plus
Yr-3 Yr-4 Yr-5 Yr-6 Yr-7 Yr-8 Yr-9 Yr-10 Yr-11

2,186 1,848 1,649 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
2,186 1,848 1,649 0 0 0 0 0 0

287 382 474 513 514 522 532 513 158

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
2,473 2,230 2,122 513 514 522 532 513 158

131 70 45 0 0 0 0 0 0

21 20 20 21 22 23 25 28 31
0 0 0 0 0 0 0 5,869 0
602 544 513 496 371 315 324 202 56
0 0 0 0 0 0 0 0 0
1,468 1,386 1,359 (51) 79 143 143 (5,622) 35
2,092 1,950 1,891 466 472 482 492 476 122

205 174 157 31 30 30 29 29 29

 46 35 30 16 12 10 10 7 6
0 0 0 0 0 0 0 0 0
46 35 30 16 12 10 10 7 6
(108) (73) (43) (27) (15) (4) 6 13 19
adi Plus
Yr-12 Yr-13 Yr-14 Yr-15 Yr-16 Yr-17 Yr-18 Yr-19 Yr-20

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0

160 162 164 166 168 169 170 171 172

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
160 162 164 166 168 169 170 171 172

0 0 0 0 0 0 0 0 0

34 37 40 43 46 49 51 53 55
0 0 0 0 0 0 0 0 0
57 59 60 61 62 64 65 66 67
0 0 0 0 0 0 0 0 0
33 30 27 24 22 19 17 14 13
124 126 127 129 130 131 132 133 134

30 30 30 30 30 30 30 30 31
 7 7 7 7 7 7 7 7 7
0 0 0 0 0 0 0 0 0
7 7 7 7 7 7 7 7 7
26 33 40 47 54 61 69 76 83
Model Poin
Age 50
Insurance Term 40
Payment Term 5
Payment Method Monthly
Sum Insured 43,682,452

Items Formula
Yr-1 Yr-2

GWP - Reguler
-Basic Premium 1 5,727 4,166
-Regular Top Up 2
GWP - Single
-Basic Premium 3 0 0
-Single Top Up 4 0 0
Total GWP 5=sum(1:4) 5,727 4,166

OTHER INCOME
Investment Income 6 114 273
Surrender Charges 7 0 0
Withdrawal Charges 8 0 0
TOTAL REVENUE 9=sum(6:8) 5,841 4,439

TOTAL COMMISSION 10 2,692 479

BENEFIT
Claim Paid 11 99 83
ROP 12 0 0
Surrender 13 272 727
Withdrawal 14 0 0
Change in Reserve 15 2,465 2,712
TOTAL BENEFIT 16=sum(11:15) 2,835 3,521

TOTAL EXPENSES 17 858 362

GRS PROFIT / (LOSS) before Tax 18=9-10-16-17 (544) 77
Corporate Tax 25% 19=-25%*(18-6) 0 0
NET PROFIT/(LOSS) after Tax 20=18+19 (544) 77
Accumulated Profit (544) (467)
*If (18-6) is positive
 P&L Analysis Solusi Abadi Plus
Solusi Abadi Plus
Yr-3 Yr-4 Yr-5 Yr-6 Yr-7 Yr-8 Yr-9 Yr-10 Yr-11

3,287 2,771 2,465 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
3,287 2,771 2,465 0 0 0 0 0 0

431 569 703 758 757 765 777 747 225

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
3,718 3,340 3,168 758 757 765 777 747 225

197 105 67 0 0 0 0 0 0

74 70 70 70 71 72 74 76 78
0 0 0 0 0 0 0 8,593 0
976 854 793 762 568 481 494 306 93
0 0 0 0 0 0 0 0 0
2,122 2,019 1,981 (124) 74 172 171 (8,262) 18
3,173 2,944 2,844 708 713 725 738 713 189

287 243 218 31 30 29 29 28 28

 61 47 39 18 14 11 10 6 8
0 0 0 0 0 0 0 0 0
61 47 39 18 14 11 10 6 8
(406) (359) (319) (301) (287) (276) (266) (260) (252)
adi Plus
Yr-12 Yr-13 Yr-14 Yr-15 Yr-16 Yr-17 Yr-18 Yr-19 Yr-20

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0

227 227 228 229 229 229 228 227 226

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
227 227 228 229 229 229 228 227 226

0 0 0 0 0 0 0 0 0

81 84 87 91 95 100 104 108 112

0 0 0 0 0 0 0 0 0
94 95 96 96 97 97 97 97 97
0 0 0 0 0 0 0 0 0
15 12 9 5 (0) (5) (10) (15) (19)
190 191 191 192 192 192 191 191 190

28 28 28 28 28 28 28 28 28
 8 8 8 8 8 8 8 9 8
0 0 0 0 0 0 0 0 0
8 8 8 8 8 8 8 9 8
(244) (236) (227) (219) (210) (202) (193) (185) (176)