Asuransi Jiwa Sinarmas MSIG Ade Supriyatna

What Asuransi Jiwa Sinarmas MSIG Ade Supriyatna does

Ade Supriyatna operates an individual insurance agency (Agen Asuransi Jiwa dan Kesehatan Sinarmas MSIG Life / Asuransi Sinarmas e-Online Services / OSI Center) that distributes life, health, personal accident, and travel insurance products manufactured by PT Sinarmas MSIG Life — a joint venture between Indonesia's Sinarmas Group and Japan's Mitsui Sumitomo Insurance Group — and PT Asuransi Sinarmas for general insurance. The agency's portfolio spans the SMiLe Series (SMiLe Life, SMiLe Ladies, SMiLe Education, SMiLe Pension, SMiLe Health, plus the SMiLe Medical rider), Simas Travel Domestic and Overseas (underwritten with 24/7 International SOS assistance), the seasonal Simas Mudik homecoming product, and the Simas PA Rejeki personal accident plan priced at Rp 100,000/year for Rp 50M death/disability and Rp 500K medical coverage.

The technical stack is minimal: a Blogger-hosted content site (asuransi-sinarmas-online.blogspot.com), an e-partner registration platform, email ([email protected]), landline (021-99569605), two mobile lines, and a Facebook page drive all customer acquisition and servicing. There is no proprietary software, mobile app, API, or disclosed data infrastructure; the agent's competitive surface is essentially a content-marketing website plus a phone-based sales operation.

Revenue is generated entirely through commissions on insurance policies sold and on a 5-tier (A–E) multi-level partner downline structure, with unlimited Level-1 recruitment and a depth cap at Level E. Go-to-market is sales-led and partner-channel, targeting Indonesian individual consumers, travelers, families, and aspiring sub-agents nationwide. Customer segments include personal accident buyers, domestic and overseas travelers, seasonal mudik travelers, SMiLe Series buyers, and partner-recruitment prospects. The business has approximately 9 employees, no disclosed financial information, no funding history, no parent-company equity relationship beyond the distribution agreement, and no innovation pipeline beyond product promotion on an aging blog.

Name

Asuransi Jiwa Sinarmas MSIG Ade Supriyatna

Legal name

PT. Sinarmas MSIG Life

Website

https://asuransi-sinarmas-online.blogspot.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

An individual insurance agency operated by Ade Supriyatna that distributes Sinarmas MSIG Life and Sinarmas general insurance products — including SMiLe Series, Simas Travel, Simas Mudik, and Simas PA Rejeki — to Indonesian consumers via a Blogger-hosted website, phone, SMS, email, Facebook, and a 5-level partner downline.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• Life insurance products
• Health insurance coverage
• Personal accident insurance
• Travel insurance policies
• Insurance agency services

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Product Sales Commission: Agent earns commissions from sales of Sinarmas MSIG Life insurance products including life insurance, health insurance, personal accident (Simas PA Rejeki), travel insurance (Simas Travel Domestic/Overseas), and Simas Mudik seasonal insurance. Commission structure includes multi-level downline commissions through partner recruitment.
2. Partner Downline Commission: Partner recruitment model where agents earn commissions from sales made by recruited downline partners. Commission structure uses 5-level hierarchy (A=Level 1, B=Level 2, C=Level 3, D=Level 4, E=Level 5) with unlimited first-level (Level A) recruitment but limited depth to Level E.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Asuransi Jiwa Sinarmas MSIG Ade Supriyatna is an individual insurance agency operated by Ade Supriyatna as an authorized agent distributing PT Sinarmas MSIG Life and PT Asuransi Sinarmas insurance products to individual consumers across Indonesia. The core offerings include the SMiLe Series (Life, Ladies, Education, Pension, Health, Medical add-on), Simas Travel (Domestic and Overseas), Simas Mudik seasonal homecoming coverage, and Simas PA Rejeki personal accident insurance, sold via direct agent contact, online registration, and a multi-level partner recruitment network.

Product overview

Asuransi Jiwa Sinarmas MSIG Ade Supriyatna offers a portfolio of life and health insurance products through the Sinarmas MSIG group. The core offering is the SMiLe Series product line (SMiLe Life, SMiLe Ladies, SMiLe Education, SMiLe Pension, SMiLe Health), which provides diverse benefits ranging from health coverage and hospitalization compensation to income protection, education savings, and retirement comfort. SMiLe Medical serves as an add-on rider to enhance health coverage. Travel insurance is provided through Simas Travel (Domestic and Overseas variants) with comprehensive 24-hour worldwide protection, and Simas Mudik for seasonal homecoming travel. Personal accident coverage is available via Simas PA Rejeki with partner recruitment business opportunity. The fundamental insurance types offered are death insurance (providing beneficiary compensation) and health insurance (providing policyholder compensation for medical expenses).

Differentiator

Problem solved

Functional benefit

Brands

• SMiLe Series: Life insurance product series including SMiLe Life, SMiLe Ladies, SMiLe Education, SMiLe Pension, and SMiLe Health
• Simas Travel
• Simas Mudik
• Simas PA Rejeki

Products and services

• SMiLe Life

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• PT Sinarmas MSIG LifecoreChannel Partner/ Reseller/ DistributorPrimary insurance company partnership. Agent Ade Supriyatna operates as authorized agent distributing Sinarmas MSIG Life insurance products including SMiLe Series (life, health, education, pension), personal accident, and travel insurance. The company is a joint venture between Sinarmas Group and MSIG, one of Japan's largest insurance companies.
• PT Asuransi Sinarmas (General Insurance)minorChannel Partner/ Reseller/ DistributorAgent also represents PT Asuransi Sinarmas for general insurance products alongside life insurance offerings, providing comprehensive insurance solutions under Sinarmas insurance group umbrella.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Manulife Indonesia (PT Asuransi Jiwa Manulife Indonesia): Large multinational life insurer in Indonesia using agency, bancassurance, and direct channels. Overlaps with the agency on life, health, education, and retirement product categories targeting similar demographics.
• BNI Life Insurance (PT BNI Life Insurance): Bank-affiliated life insurer selling through bancassurance and agency channels. Sells overlapping life, health, and personal accident products to Indonesian consumers via individual agents and partner networks.
• Prudential Indonesia (PT Prudential Life Assurance): One of Indonesia's largest life insurers with a vast agency force. Its individual agents compete head-to-head with Sinarmas MSIG agents for the same household-level life, health, and education protection sales.
• Allianz Life Indonesia (PT Allianz Life Insurance Indonesia): Major multinational life insurer in Indonesia distributing through agent and bancassurance channels. Comparable as a competing carrier whose authorized agents target similar life, health, education, and personal accident products for Indonesian consumers.
• Astra Life (PT Asuransi Jiwa Astra): Established Indonesian life insurer distributing through a large agency and bancassurance network. Comparable in that it relies heavily on individual agents and partner channels for mass-market life and health distribution, though at materially larger scale and with broader brand recognition.
• AXA Mandiri (PT AXA Mandiri Financial Services): Joint-venture life insurer combining AXA's product platform with Bank Mandiri's distribution. Its agents sell comparable life, health, and unit-link products to the same Indonesian middle-class customer base.
• Sequislife (PT Asuransi Jiwa Sequislife): Indonesian life insurer historically using a multi-level agency distribution model that resembles the agency's partner recruitment approach. Directly comparable in mixing conventional agency with downline-based partner growth.

Emerging players

• Lifepal: Indonesian InsurTech aggregator and brokerage that sells life, health, and general insurance from multiple carriers online. Comparable as an alternative distribution channel that competes for the same mass-market Indonesian insurance buyer, albeit via a digital-first model rather than field agents.
• Roojai (PT Roojai Servis Indonesia): Indonesian InsurTech selling personal accident, health, and motor insurance online with carrier partnerships. Represents the digital-native competitive threat to traditional agency-based distribution for the agency's core personal accident and health products.

Direct peers

• Sinarmas MSIG Life (PT Asuransi Jiwa Sinarmas MSIG) - other authorized agents: Other individual agents appointed by PT Sinarmas MSIG Life across Indonesia. They distribute the same SMiLe Series, Simas Travel, Simas Mudik, and Simas PA Rejeki products under the same carrier appointment and largely identical multi-level partner structures, making them the closest direct comparables in product and operating model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/asuransi.sinarmas.eonline.services
• LinkedInlinkedin.com/company/asuransi-jiwa-sinarmas-msig-ade-supriyatna

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

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