PYD · Articles & Insights
Insurance basics
The plain-language foundations. What each kind of cover does, what it doesn't, and how the pieces fit, before anyone tries to sell you one.
3 articles
Insurance basics
What is PAYDI? Unit link without the jargon, and 7 questions before you sign
PAYDI is OJK's official name for unit link. Sales are rising again this year. Before you sign, understand where your premium actually goes.
8 min · 3 Oct 2026
Insurance basics
Unit link or term life? The honest comparison.
Two ways to combine protecting your family and growing your money. One gets sold far more often, and not always because it's the better fit. Here's what actually separates them.
6 min read · 15 Sept 2026
Insurance basics
What insurance actually is, and which types you really need
No jargon, no sales pitch. What insurance is, the handful of types that matter, and how to know which ones fit your life.
7 min · 17 Sept 2026
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