Plan Your Dreams · Education first, not sales

Understand first.Then decide.

Most people buy insurance without really understanding it, or never realize they need it until it is too late. PYD helps you see your own needs first, in a few minutes, with no pressure.

Your biggest asset is not your house or your car. It is your ability to earn, and it is usually left unprotected.

  1. 01Understand
  2. 02Size your need
  3. 03Decide calmly
Explore the calculators
A family at home, parents watching their daughter draw a house at the table.

Plan Your Dreams

Drop in your worries.
See the cover that solves them.

Pick what you want to protect. We’ll map each one to the type of cover that answers it, by category, never a specific product, and link you to size it with real numbers.

What matters to you

Tap to add, or drag a card into your box.

If something happens to me

The future I’m building

Things I own & do

Your protection box

Example
A serious illness or hospital stayMy kids’ education, no matter what
01

Your foundation

Health Plan

Health

BPJS and an office cap rarely cover a private-hospital serious illness in full.

A serious illness or hospital stay
02

The future you’re funding

Education Savings

Traditional / Unit-Link

Locks in tomorrow’s fees, with a waiver rider so it keeps funding even if your income stops.

My kids’ education, no matter what

This is the map. A Planning Guide draws the plan.

Take your box to a licensed Planning Guide in Jakarta — they turn these categories into an actual plan and product that fits your budget. Free, no pressure, walk away anytime.

Talk to a Planning Guide →

How to read this. Labels are cover categories — Traditional, Unit-Linked, Term, Whole Life, Health, Critical Illness, Annuity, Pension, General — the families insurers sell, not a named product or a price. This isn’t financial advice. “Put a number on it” opens PYD’s calculators; a licensed Guide turns the result into a plan.

Where would you like to begin?

Choose what's on your mind

♢ Your answers stay private until you choose to share them. You decide whether to speak with a Planning Guide.

Not ready to reflect? Start with a number

Find the gap in your plan before life does

Nine private calculators for Indonesia: put numbers on education, retirement, health, goals, income, family protection and home planning. No account, no pitch.

Open the tools →

Library

Insurance, simplified

Six plain-language explainers: what BPJS covers, unit link vs term life, expat portability, and why claims get rejected.

Personal guidance

Your Planning Guide

A licensed adviser in Jakarta who works with both Indonesian families and expats. No quote in the first conversation, only questions.