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20250902_LIFE_Tanggapan atas Permintaan Penjelasan Bursa_31936734_lamp1.pdf
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Jakarta, 2 September 2025
Nomor: 057/MSL-CSEC/IX/2025
PT Bursa Efek Indonesia
Gedung Bursa Efek Indonesia Tower 1 Lt. 6
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan 12190
Kepada Yth/Attention:
Lidia M. Panjaitan – Kadiv Penilaian Perusahaan 3
Perihal: Tanggapan PT MSIG Life Insurance Indonesia Tbk atas Surat Bursa Efek
Indonesia Nomor S-09908/BEI.PP3/08-2025
Subject: PT MSIG Life Insurance Indonesia Tbk's Response to the Indonesia Stock
Exchange Letter Number S-09908/BEI.PP3/08-2025
Dengan hormat,
Respectfully,
Sehubungan dengan surat BEI No. S-09908/BEI.PP3/08-2025 tanggal 27 Agustus 2025
perihal Permintaan Penjelasan Bursa, maka dengan ini PT MSIG Life Insurance Indonesia Tbk
(“Perseroan”) bermaksud untuk memberikan penjelasan dan tanggapan sebagai berikut:
In connection with IDX letter No. S-09908/BEI.PP3/08-2025 dated 27th August 2025 regarding
the IDX Request for Explanation, allow us to provide the following explanations and responses:
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No. Pertanyaan BEI Tanggapan Perseroan
IDX Questions Company’s Response
1. Latar belakang atas peningkatan total aset Perseroan Latar belakang atas peningkatan total aset Perseroan disebabkan oleh
per 30 Juni 2025 sebesar Rp642,20 miliar atau 4,46% jika kenaikan pada pos aset investasi. Peningkatan tersebut berasal dari
dibandingkan dengan 31 Desember 2024. pertumbuhan nilai investasi pada instrumen surat berharga, seiring
Background of the increase in the Company’s total assets dengan strategi pengelolaan portofolio investasi yang dijalankan
Perseroan serta kondisi pasar yang mendukung.
as of 30 June 2025 amounting to Rp642.20 billion or
4.46% compared to 31 December 2024. The increase in the Company's total assets was driven by an increase in
investment assets. This increase stemmed from the growth in the value of
investments in securities, in line with the Company's investment portfolio
management strategy and favorable market conditions.
2. Latar belakang atas peningkatan Surat Berharga Efek Latar belakang atas peningkatan Surat Berharga Efek Utang yang diukur
Utang dari Rp1,07 triliun per 31 Desember 2024 sampai pada nilai wajar melalui laba rugi dari Rp1,07 triliun per 31 Desember 2024
dengan Rp1,39 triliun per 30 Juni 2025. sampai dengan Rp1,39 triliun per 30 Juni 2025 dikarenakan oleh adanya
Background of the increase in Debt Securities from Rp1.07 peningkatan bisnis Unit Link Perseroan dimana peningkatan dana
kelolaan itu diiringi oleh meningkatnya tingkat preferensi nabasah unit
trillion as of 31 December 2024 to Rp1.39 trillion as of 30
link terhadap unit link Pendapatan Tetap yang ditempatkan pada Surat
June 2025. Berharga Efek Utang.
The background to the increase in Debt Securities measured at fair value
through profit or loss from IDR 1.07 trillion as of December 31, 2024 to IDR
1.39 trillion as of June 30, 2025 is due to an increase in the Company's Unit
Link business where the increase in managed funds is accompanied by an
increase in the level of preference of unit link customers for Fixed Income
unit links placed in Debt Securities.
3. Latar belakang atas peningkatan reksadana dari Latar belakang atas peningkatan reksadana dari Rp899,33 miliar per 31
Rp899,33 miliar per 31 Desember 2024 menjadi Rp1,24 Desember 2024 menjadi Rp1,24 triliun per 30 Juni 2025 disebabkan
triliun per 30 Juni 2025. karena adanya sebagian dari kepemilikan langsung Perseroan pada Surat
Background of the increase in mutual funds from Berharga Negara RI dipindahkan ke reksadana yang juga berinvestasi
penuh pada Surat berharga Negara RI dan juga karena adanya
Rp899.33 billion as of 31 December 2024 to Rp1.24
penambahan alokasi saham Perseroan melalui reksadana saham.
trillion as of 30 June 2025.
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No. Pertanyaan BEI Tanggapan Perseroan
IDX Questions Company’s Response
The background to the increase in mutual funds from IDR 899.33 billion as
of December 31, 2024 to IDR 1.24 trillion as of June 30, 2025, was due to
the transfer of part of the Company's direct ownership of Indonesian
Government Securities to mutual funds that also fully invest in Indonesian
Government Securities and also due to the addition of the Company's share
allocation through stock mutual funds.
4. Latar belakang atas peningkatan liabilitas kontrak Latar belakang atas peningkatan liabilitas kontrak asuransi terutama
asuransi dari Rp4,84 triliun per 31 Desember 2024 dipengaruhi oleh pertumbuhan bisnis asuransi Perseroan. Peningkatan
menjadi Rp5,27 triliun per 30 Juni 2025. tersebut sejalan dengan bertambahnya portofolio polis aktif serta
Background of the increase in insurance contract liabilities kewajiban yang timbul atas pertanggungan yang diberikan kepada
pemegang polis. Selain itu, perubahan asumsi teknis dan faktor pasar juga
from Rp4.84 trillion as of 31 December 2024 to Rp5.27
turut memberikan kontribusi terhadap kenaikan liabilitas kontrak
trillion as of 30 June 2025. asuransi.
The increase in insurance contract liabilities was primarily driven by the
growth of the Company's insurance business. This increase was in line with
the expansion of its active policy portfolio and the resulting liabilities for
coverage provided to policyholders. Furthermore, changes in technical
assumptions and market factors also contributed to the increase in insurance
contract liabilities.
5. Latar belakang atas peningkatan utang lain-lain Peningkatan utang lain-lain Perseroan disebabkan oleh pencatatan
Perseroan dari Rp240,09 miliar per 31 Desember 2024 kewajiban dividen yang telah ditetapkan namun belum dibayarkan kepada
menjadi Rp557,76 miliar per 30 Juni 2025. pemegang saham pada tanggal pelaporan. Seluruh kewajiban dividen
Background of the increase in other payables from tersebut telah diselesaikan dan dibayarkan secara penuh pada bulan Juli
2025.
Rp240.09 billion as of 31 December 2024 to Rp557.76
billion as of 30 June 2025. The increase in the Company's other liabilities was due to the recording of
dividend obligations that had been determined but not yet paid to
shareholders as of the reporting date. All dividend obligations were settled
and paid in full in July 2025.
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No. Pertanyaan BEI Tanggapan Perseroan
IDX Questions Company’s Response
6. Sumber dana Perseroan dalam memenuhi kewajiban Sumber dana Perseroan dalam memenuhi kewajiban dividen yang telah
utang lain-lain sebesar Rp557,76 miliar per 30 Juni 2025. ditetapkan berasal dari dana yang telah dicadangkan pada aset investasi
Source of funds used by the Company to fulfill its other jangka pendek untuk pembayaran dividen.
payables amounting to Rp557.76 billion as of 30 June
The Company's source of funds to fulfill its established dividend obligations
2025.
comes from funds that have been reserved in short-term investment assets
for dividend payments.
7. Strategi Perseroan dalam meningkatkan hasil jasa Beberapa langkah strategis Perseroan untuk meningkatkan hasil jasa
asuransi sebagai pendapatan utama Perseroan. asuransi sebagai pendapatan utama perseroan:
The Company’s strategy to increase insurance service • Memperkuat bisnis retail melalui pengembangan kanal distribusi
results as its main source of revenue. yang ada, khususnya yang utama yaitu Keagenan dan
Bancassurance
• Mengembangkan kanal distribusi digital untuk mempercepat
pertumbuhan di masa yang akan datang
• Pengembangan produk-produk baru yang inovatif dan relevant
sesuai dengan kebutuhan pasar dan Nasabah
• Menciptakan bauran produk yang lebih sehat dan memiliki nilai
tambah bagi Perusahaan
• meningkatkan fungsi pengendalian internal dan manajemen risiko
yang handal untuk menciptakan pertumbuhan bisnis yang
berkualitas dan berkelanjutan.
Several strategic steps taken by the Company to increase insurance
service results as the Company’s main source of income:
• Strengthening the retail business through the development of
existing distribution channels, especially the main ones: Agency and
Bancassurance.
• Developing digital distribution channels to accelerate future growth
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No. Pertanyaan BEI Tanggapan Perseroan
IDX Questions Company’s Response
• Developing innovative and relevant new products in line with
market and customer needs
• Creating a healthier product mix that enhances value-added for the
Company
• Enhancing internal control functions and reliable risk management
to create quality and sustainable business growth
8. Latar belakang atas peningkatan beban jasa asuransi Peningkatan beban jasa asuransi yang paling utama disebabkan oleh
dari Rp687,37 miliar per 31 Desember 2024 menjadi Rp1 kenaikan beban klaim kesehatan dimana sejalan dengan kenaikan biaya
triliun per 30 Juni 2025. layanan rumah sakit.
Background of the increase in insurance service expenses
The increase in insurance service costs was primarily due to an increase in
from Rp687.37 billion as of 31 December 2024 to Rp1
health claims costs, which was in line with the increase in hospital service
trillion as of 30 June 2025. costs.
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Kami berharap penjelasan ini dapat diterima. Perseroan senantiasa berkomitmen penuh untuk mematuhi ketentuan peraturan
yang berlaku serta menjunjung tinggi prinsip transparansi dan akuntabilitas dalam setiap pengungkapan informasi.
We hope this explanation is acceptable. The Company remains fully committed to complying with applicable regulations and upholding
the principles of transparency and accountability in all information disclosures.
Demikian informasi ini kami sampaikan. Atas perhatiannya kami ucapkan terima kasih.
We hereby convey this information. Thank you for your attention.
Hormat kami/Respectfully
PT MSIG Life Insurance Indonesia Tbk
Renova Siregar
Chief Compliance, Legal & Corporate Secretary Officer
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Life Insurance Indonesia Tbk
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PT MSIG Life Insurance Indonesia Tbk's Response
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Indonesia Stock Exchange
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Renova Siregar
· Chief Compliance, Legal & Corporate Secretary Officer
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