Insurance, Guarantee and Pension Fund

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Insurance, Guarantee, and Pension Fund Industry Update December 2025


Monday, 16 February 2026

As of December 2025, the life insurance industry recorded a YTD accumulated premiums of IDR180.98 trillion, while general and reinsurance premiums reached IDR150.74 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 485.90%, while general and reinsurance posted an RBC ratio of 335.22%, both significantly above the required threshold of 120%.

The pension fund sector saw assets grow by 11.35% (yoy), reaching IDR1,679.46 trillion in December 2025. This reflects continued strength in pension fund management, supporting long-term financial stability.

Guarantee institutions’ assets increased slightly by 2.43% (yoy) totaling IDR47.51 trillion. This emphasizes the expanding role of guarantees in enhancing financial security across various sectors.

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