Allianz Indonesia to Maintain Balanced Product Strategy for 2026, Emphasizing Both Unit-Linked and Traditional Insurance
Executive Summary
Key insights and market outlook
Allianz Life Indonesia will continue to offer a balanced product mix in 2026, featuring both traditional life insurance and unit-linked insurance products. The company aims to maintain premium growth, portfolio quality, and customer service through product innovation and technology utilization. As of November 2025, unit-linked products contributed 75% of total premiums, while traditional products grew by 37% year-on-year to Rp4.2 trillion.
Deep Dive Analysis
Allianz Indonesia Maintains Balanced Insurance Product Strategy for 2026
Strategic Focus on Both Unit-Linked and Traditional Products
PT Asuransi Allianz Life Indonesia has announced its commitment to maintaining a balanced product strategy for 2026, offering both traditional life insurance products and unit-linked insurance products. Chief Investment Officer Ni Made Daryanti emphasized that the life insurance industry has positive prospects due to increasing societal protection needs amidst economic and financial market dynamics.
Key Strategic Initiatives
Allianz Indonesia plans to achieve its goals through several key strategies:
- Product Innovation: Continuing to offer both traditional and unit-linked products to meet diverse customer needs
- Distribution Strengthening: Enhancing distribution channels to improve market reach
- Technology Utilization: Leveraging technology to enhance customer experience
- Risk Management: Strengthening risk management practices to ensure portfolio quality
- Customer Education: Improving transparency and customer understanding of insurance products
Product Performance Highlights
As of November 2025, Allianz Life Indonesia reported:
- Unit-linked premiums reached Rp12.6 trillion, representing a 5% growth compared to the same period last year
- Unit-linked products contributed 75% of total premiums
- Traditional product premiums reached Rp4.2 trillion, showing a significant 37% year-on-year growth
Market Outlook and Challenges
While maintaining a positive outlook on the life insurance industry's prospects, Allianz acknowledges existing challenges such as macroeconomic conditions and market volatility. However, the company notes that awareness and literacy about life insurance continue to grow, supporting industry growth.
Investment Strategy
Allianz Indonesia emphasizes its commitment to maintaining a diversified investment portfolio and adaptive management approach. The company continuously monitors economic conditions and capital markets to adjust its investment allocations as necessary, ensuring long-term investment performance despite market fluctuations and interest rate changes.
Source References
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Insurance Product Strategy Update
Premium Growth Report