Ciputra Life Targets Double-Digit Premium Growth in 2026

Strategic Initiatives Amid Economic Challenges

Ciputra Life is targeting double-digit premium growth in 2026 despite ongoing economic challenges and concerns about consumer purchasing power. The company's premium income reached Rp457 billion as of November 2025, with net profit surging to Rp107 billion, representing a more than threefold increase compared to the previous year.

Business Strategies and Product Focus

To achieve its ambitious growth target, Ciputra Life is focusing on developing strategic partnerships with both new and existing business partners. The company has collaborated with over 20 banks, multifinance companies, and other financial institutions in Indonesia. In mid-2024, Ciputra Life expanded into the corporate segment by launching health, life, and accident insurance products for corporate clients.

Product Portfolio and Market Trends

The company's most popular products include credit life insurance, which provides protection for customers with mortgages and vehicle loans. Corporate solutions also contribute significantly to the company's revenue, while individual products marketed through telemarketing and digital channels remain important. According to Otoritas Jasa Keuangan (OJK) data, commercial insurance premiums in October 2025 reached Rp272.78 trillion, showing a slight growth of 0.42% year-on-year.

Industry Outlook and Challenges

While life insurance premiums contracted by 1.11% year-on-year to Rp148.66 trillion, general insurance and reinsurance premiums grew by 2.33% to Rp123.92 trillion. The industry faces challenges, including economic uncertainty and changing consumer behavior. However, Ciputra Life remains optimistic about the future, driven by the government's economic growth target of 5.4% and potential improvements in consumer purchasing power.