Why Insurance Matters? A Wise, Shariah-Compliant Way to Secure Your Future

In a world full of uncertainties, one of the wisest steps you can take is to prepare for life’s unexpected turns. Insurance serves as a financial safety net, helping protect your family’s stability when challenges arise. However, not all insurance options align with the values you hold dear.

For those who prioritize Shariah principles in every aspect of life, choosing a financial product that reflects Islamic values is a crucial decision. That’s where Asuransi Salam Hijrah Sejahtera (Sahaja) by Sun Life steps in, a life insurance solution that offers not only financial protection but also peace of mind and spiritual fulfillment.

Disclaimer: This product is an insurance product from PT Sun Life Financial Indonesia (Sun Life Indonesia) and is not a product of PT Bank Muamalat Indonesia Tbk. (Bank Muamalat). Bank Muamalat only acts as a party that refers insurance products from Sun Life Indonesia to Customers. Customers who purchase the product must read carefully and agree to all the terms and conditions stated in the policy.

Why Is Insurance Important?

Buying insurance isn’t about expecting the worst, it’s about being prepared and responsible. Here’s why having insurance is a smart move:

Financial Protection During Unexpected Events
Serious illness or sudden loss of life can drastically affect your family’s income. Insurance offers financial support to help your loved ones maintain their lifestyle and cover essential needs.

Long-Term Financial Planning
Insurance gives you a more stable foundation for financial planning. When risks are managed through insurance, you can focus on growing your finances with greater confidence.

Peace of Mind
Knowing you have a layer of protection lets you live life with less worry about what the future might bring.

Introducing Sahaja: Shariah-Compliant Life Protection from Sun Life

If you're searching for a life insurance plan that aligns with Islamic financial values, Asuransi Salam Hijrah Sejahtera (Sahaja) is the right choice. It offers comprehensive life coverage designed according to Islamic principles, rooted in mutual assistance and free from riba (interest) and gharar (uncertainty).

Key Benefits of Sahaja You Should Know

Short Payment Term, Long-Term Coverage
Pay your contributions for just 5 or 10 years and enjoy up to 25 years of protection.
Up to 200% Death Benefit
If the insured passes away during the holy month or while performing Hajj, the beneficiaries will receive 200% of the sum assured—plus any accumulated cash value.
Additional Rp10 Million Benefit
This benefit is provided on top of the main death benefit if the insured passes away during the coverage period.
End-of-Term Payout
If the insured lives through the full policy term, they will receive a cash payout and grant (if available) as a reward for long-term financial commitment.

Flexible to Suit Your Needs

Sahaja offers multiple plans tailored to your life stage and goals:

Coverage Term: 10, 15, 20, or 25 years
Contribution Period: 5 or 10 years
Annual Contribution: Starting from Rp3.600.000
Currency: Rupiah
Entry Age: 12 to 55 years old (depending on the chosen term)

How to Sign Up for Sahaja

Joining the Sahaja protection plan is easy. Just prepare the following documents:

Life Insurance Application Form (SPAJ) and supporting documents
Medical check-up results (if required)
Policy illustration
Copy of your valid ID
Additional questionnaires (if needed)
Risk Profile Assessment (if applicable)
Financial needs analysis
Proof of first contribution payment
Authorization letter to share your data with Sun Life Indonesia
Account debit authorization for future payments
Any other required documents

Please note: Failing to provide accurate information may result in the following:

Policy cancellation and refund
Adjustment to your benefits or contribution
Claim denial

Ready to Make the Move Toward a More Blessed Future?

Don’t wait until risk strikes. Take a proactive step to protect your future and the people you love with Sun Life’s Asuransi Salam Hijrah Sejahtera (Sahaja)—a Shariah-compliant life insurance solution that combines financial planning, spiritual value, and true peace of mind.

Visit your nearest Bank Muamalat branch to learn more and begin your journey to a more secure, barakah-filled future.