• Q Smart Life

    Everyone must have something very precious in their life. Family is one of the most precious things in life and everyone will try to protect their family as well as possible. However, there are many risks in life that will hinder our future plan for the family. Therefore, it is wise and important to prepare ahead by having a protection that can ensure the achievement of the plan. 

Q Smart Life

Q Smart Life is the right choice for you because it provides life-long protection and cash value benefits for you to have financial assurance for your beloved family for a better tomorrow. 


  1. Provides life protection to help your family welfare up to 100 years old.
  2. Fixed premium and a limited premium payment period that you can choose. 
  3. No need to pay a lifetime premium for lifetime protection.
  4. Can be combined with Additional Insurance (Rider) that can be tailored to your needs.
  5. Provides large and guaranteed Cash Value.
  6. Cash Value can be used up to 80% for unexpected purposes.
  7. Provides facilities that can be used by participants:
    Extended Term Insurance  Reduced Paid-Up 
    Automatic Premium Loan Cash Value
    Free Look Period Grace Period
    Policy Reinstatement Policy Loan
    Change of Sum Assured Change of Payment Mode 

*List of partner hospitals can be seen here.

Terms and Conditions

Entry Age

1 month – 65 years old (maximum age at the end of Premium Payment Period is 70 years old)

Premium Payment Period

5 – 20 tahun

Coverage Period

100 tahun

Maximum Coverage Age

100 years old

Sum Assured

Minimum: a. Rp100 juta, b. USD10.000

Mode of Payment

Yearly, Semesterly, Quarterly, and Monthly

Lien Clause

If the Insured is a child and died not due to an accident before the age of 5, the Sum Assured shall be paid proportionally in accordance with the applicable Lien Factor in the Policy Book provisions.

Contestable Period

Contestable Period is 2 (two) years from the contract date starts or Policy Reinstatement date (if any)


Rupiah and US Dollar

Distribution Channel

Sequis Agents

Age Calculation Method

Nearest birthday

If you are interested and would like to know more about Sequis products and services, please contact Sequis Care (62-21) 2994 2929 on business days at 8.15 am to 5.00 pm or by email to care@sequislife.com.

This product is managed by PT Asuransi Jiwa Sequis Life


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