Group Life Insurance

Financial protection for your employees – and peace of mind for their families

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A safety net your people can count on

At Howden Employee Benefits, we believe caring for your people means being there when it matters most. Group Life Insurance – also known as “Death in Service” – provides essential financial support to employees’ families if the unexpected happens.

In Indonesia, where family is central to culture and community, this benefit offers more than just a payout. It offers reassurance, dignity, and long-term protection.

What it covers


We work with you to tailor Group Life coverage that’s right for your business and your people.

Typical cover includes a lump-sum payment based on salary (e.g. 3x annual income), plus a range of additional benefits:

  • Accidental Death Benefit
  • Critical Illness Cover
  • Total Permanent Disability (TPD)
  • Terminal Illness Benefit
  • Hospitalisation Income Support
  • Funeral/Burial Expense Support
  • Medical Reimbursement Options
Elderly man holding hands with young girl while walking in a green park, symbolising family care and security in Indonesia

Why offer Group Life in Indonesia?

For your business:

  • A meaningful benefit that strengthens your EVP (Employee Value Proposition)
  • Helps attract and retain talent in a competitive Indonesian job market
  • Typically cost-effective, and may qualify for tax efficiencies
  • Demonstrates your care and responsibility as an employer

For your people:

  • Offers real financial support when families need it most
  • Tax-free lump-sum to chosen beneficiaries
  • In most cases, no medical underwriting required
  • Culturally aligned with local values of family and legacy

Policy Highlights

Premium Refund Options

Some policies offer partial refunds if claim levels remain low – great for managing long-term costs.

High No-Evidence Limits (NEL)

We negotiate generous limits to reduce admin and avoid frequent medical checks – even as salaries grow.

Trusted advice. Tailored support.

Whether you're launching Group Life Insurance for the first time or reviewing your current benefits, we’re here to guide you. Our local consultants understand the regulatory environment, the expectations of Indonesian employees, and the most efficient ways to structure your cover. Together, let’s build something that protects your people – and strengthens your business.

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Meet the team

Photo of Firman Amersyah

Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Erick Silalahi 

Erick Silalahi 

Vice President
Photo of Erick Silalahi 

Erick Silalahi 

Vice President

Erick joined Howden in September 2013 as Assistant Manager in the Strategic Business Development. Having been promoted in January 2016 as business manager. He was given a new role to lead Employee Benefits effective from June 2016. He is responsible for client servicing in Employee Benefits area and making sure to meet our client expectations.

Prior to joining Howden, Erick worked with Aon for 2 years as Account Executive and responsible for new business and existing client development for global and referral business Aon worldwide. Previously, He also experienced working for insurance companies. He has overall more than 8 years experience in the industry.

Erick graduated from STIMRA Trisakti and currently pursuing professional qualifications in insurance broking. He holds professional qualification Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Yolanda Ulfa

Yolanda Ulfa

Business Manager
Photo of Yolanda Ulfa

Yolanda Ulfa

Business Manager

Yola joined Howden in January 2017 as Assistant Manager in Employee Benefits division. She is responsible for expanding and client servicing in Employee Benefits area and making sure to meet our client expectation.

Prior to joining Howden, Yola worked for one of big insurance broker company, PT Jardine Lloyd Thompson.

Yola also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI). Yola also qualified at Level 5 for professional Insurance Broker certification based on Indonesian regulation.