01PYD term
Celah Proteksi (protection gap)
The difference between what your family would need if you died and what is already in place today.
Why it matters
Most people know they "have insurance" but not whether it is enough. Celah Proteksi answers that with one number. Zero or below means your family is covered. Above zero is the distance still open.
The formula
Celah Proteksi = Total protection need − Existing resources and insurance
- Total protection need: the share of your income your family relies on until your working years end (in today's money), plus debts to clear and important goals such as children's education.
- Existing resources: savings and investments your family can reach, plus life cover from personal and employer policies.
Illustrative example
Family need Rp 3 B. Savings and existing life cover total Rp 900 M. Celah Proteksi: Rp 2.1 B.
Also known as: protection gap, insurance shortfall, coverage gap
Read: How much life cover is enough?02PYD term
Aset Penghasilan (income as an asset)
All the income you will still earn until retirement. For most families, this is their biggest asset.
Why it matters
We insure the house and the car, but rarely the thing that pays for both: our ability to work. Seeing Aset Penghasilan as one large number makes it clear why income and life protection come first.
The formula
Aset Penghasilan = Monthly income × 12 × Years left until retirement
- This is a rough figure: no pay rises and no inflation adjustment. The Family Protection calculator works out a more careful version: the share your family relies on, with pay rises, in today's money.
- The number is not for spending. It shows how much is lost if income stops.
Illustrative example
Income Rp 15 M a month, age 35, working until 60. Aset Penghasilan: Rp 15 M × 12 × 25 = Rp 4.5 B.
Quick check
Your Aset Penghasilan
Rp 4.500.000.000
Calculated on your device. Nothing is saved.
Also known as: human capital, human life value, earning power
03PYD term
Bulan Bertahan (months of runway)
How many months your family could live as normal if income suddenly stopped.
Why it matters
An emergency fund can feel abstract. Bulan Bertahan turns it into time: how long you have to find work, recover from illness or wait for a claim to pay. Under 3 months is fragile. 3 to 6 months is enough for most families.
The formula
Bulan Bertahan = Savings you can use ÷ Monthly household spending
- Savings you can use: money not set aside for another goal that you can withdraw within days, not property or pension funds.
- Household spending: what still has to be paid if income stops, such as rent, school fees, groceries, transport and loan repayments.
Illustrative example
Savings Rp 40 M, household spending Rp 10 M a month. Bulan Bertahan: 4 months.
Quick check
Your Bulan Bertahan
4.0 months
Calculated on your device. Nothing is saved.
Also known as: emergency fund ratio, runway, months of cover
Want to work them out together?
A licensed Planning Guide can go through all three numbers with you. Free, neutral, no pressure.
Talk to a Planning GuideExample figures on this page are illustrations, not real data or recommendations. PYD is run by a licensed insurance advisor affiliated with Allianz Indonesia. Educational content is general and product-neutral.
