About
A person, not
a call centre
PYD exists because insurance in Indonesia is usually sold before it is understood. Everything here, the reflection, the calculators, the library, is designed to let you arrive at a conversation already knowing your own situation.
Planning Guide
Licensed Planning Guide · Jakarta, Indonesia
Your Planning Guide explains protection in plain language, drawing on experience with households across Jakarta, Bandung and Bali. Guidance covers both conventional and syariah products, and the first conversation is never a quote. It begins with a question: what would actually be hard if this happened?
- Works with
- Indonesian families and expatriates living in Indonesia
- Languages
- Bahasa Indonesia and English
The promise
- ◆No quote in the first conversation, only questions.
- ◆Every recommendation written in plain language, with the exclusions read out loud.
- ◆Conventional or syariah, whichever fits your beliefs.
- ◆You can stop at any time. Your reflection stays yours.
How PYD is paid
Nothing on this site costs you anything, and the tools do not require an account. If you eventually take out a policy through your Planning Guide, the guide is paid a commission by the insurer, as licensed advisers in Indonesia are. That is stated here plainly so you never have to wonder. It is also why the first conversation contains no quote, a recommendation made before the situation is understood is worth nothing to either side.