Insurance, Guarantee and Pension Fund

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Insurance, Guarantee, Pension Fund Industry Update October 2025


Sunday, 14 December 2025


As of October 2025, the life insurance industry recorded a YTD accumulated premiums of IDR148.86 trillion, while general and reinsurance premiums reached IDR123.92 trillion. These figures indicate a relatively stable performance in the insurance sector, supported by solid capital adequacy. The Risk-Based Capital (RBC) ratio for life insurance stood at 478.85%, while general and reinsurance posted an RBC ratio of 331.96%, both significantly above the required threshold of 120%.


The pension fund sector saw assets grow by 9.82% (yoy), reaching IDR1,647.49 trillion in October 2025. This reflects continued strength in pension fund management, supporting long-term financial stability.


Guarantee institutions’ assets increased slightly by 3.17% (yoy) totaling IDR48.02 trillion. This emphasizes the expanding role of guarantees in enhancing financial security across various sectors.



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