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Polis Asuransi Jiwa dan Amnesti Pajak Indonesia 2016-2017

20 Aug

Sudah 1 bulan berlalu sejak Amnesti Pajak dimulai. Program Amnesti Pajak ini dimulai 15 July 2016 sampai 31 Maret 2017.

Saya merasa beruntung di bulan July 2016 yg lalu saya bisa mengikuti sosialisasi amnesti pajak yg dibawakan langsung oleh Dirjen Pajak Bpk. Ken Dwijugiasteadi di gedung Dhanapala.

Banyak teman2 yang tidak mengikuti sosialisasi amnesti pajak dari sumbernya (DJP), secara sukarela belajar secara otodidak tentang amnesti pajak. Baik melalui media sosial elektronik maupun media cetak, tak jarang pula di tingkat oma dan opa (usia 60-an keatas) mereka belajar dari temannya, yang katanya, dengar langsung dari temannya yang ikut dengar pas ada sosialisasi amnesti pajak. ^_^ seru kan tuh kayak maen pesan berantai hehehehe….

Beberapa teman2 itu pun lalu menambahkan komentar-komentar yang menarik seperti :
“Sampe sekarang aja banyak loh konsultan pajak yg masih bingung. Ada 3 konsultan pajak, 3-3nya bisa beda-beda pengertiannya.”
“Jawaban tiap orang pajak di KPP aja bisa beda-beda.”
“Aturannya masih ngga jelas. Kita tunggu aja sampe jelas.”
“Mana mungkin sih negara bisa tau harta kita di luar negri ampe segitunya. Emang gampang minta data di negara orang lain.”
“Yang dilapor itu kalo punya perhiasan milyaran atau rumah atau ruko atau mobil aja kali, masa ampe furniture, elektronik (HP, TV) juga dilaporin TA (Tax Amnesty = Amnesti Pajak).”
“Polis Asuransi Jiwa kan bukan objek pajak jadi ngga usah dilaporin. Itu kan ada di Undang-Undang.”

Kurang lebih itu adalah komentar dari teman2 maupun keluarga yang cukup rajin belajar secara otodidak melalui media2 yang mereka percayai yang kemungkinan besar salah dapat informasi atau gagal paham mengenai Amnesti Pajak ini.

Sewaktu saya mengikuti sosialisasi, Pak Ken bilang dia akan ikut TA dengan mendeklarasikan sepeda. Banyak hadirin yg tertawa termasuk saya. Namun setelah membaca kategori harta, ternyata ada tuh beneran Sepeda di urutan nomor satu pada bagian Alat Transportasi. Baca lagi, ternyata ada loh itu furniture dan peralatan elektronik di kategori harta. Jadi buat yg mau ikutan TA, kalo Anda membaca postingan ini lewat HP atau Laptop atau Layar Komputer, coba cek deh, udah dimasukin belum perangkatnya itu ke SPT 2015. Kalo belom, daftarin TA aja.

Buat teman2 yang bilang aturannya ngga jelas / orang KPP suka kasih jawaban beda-beda / konsultan pajak kasih pengertiannya beda-beda, sudah pasti Anda belum pernah telp ke 1500745 (line Amnesti Pajak). Saya cukup penasaran waktu itu, sehingga ada sehari beberapa kali saya telpon kesana, besok nya telpon lagi, besoknya telpon lagi, dan terbukti, jawaban dari tiap orang yg angkat telpon itu cukup konsisten loh teman-teman. Meskipun yang angkat telpon selalu orang yang berbeda, mereka semua sama-sama tidak asal jawab, mereka selalu berkoordinasi terlebih dahulu sebelum memberikan jawaban atas pertanyaan2 yang saya lontarkan dan jawaban mereka selalu didasarkan dari UU Tax Amnesti dan PMK nya no. 118 (Peraturan Menteri Keuangan).

Dan sebenarnya hari ini saya baru dengar sebutannya dari Direktur Jenderal Perpajakan International Bpk. John Hutagaol di seminar IAI yang menyatakan bahwa UU Amnesti Pajak itu ‘lex specialis’ jadi artinya sifatnya khusus, tidak terikat pada UU KUP maupun UU Penghasilan. Jadi buat teman2 yg masih membedakan harta anda object pajak atau non object pajak, dalam rangka Amnesti Pajak, pertanyaannya hanya satu : “Sudah dilaporkan sebagai harta di SPT 2015 atau belum?” Kalau belum maka atas harta tersebut bisa disertakan dalam program Amnesti Pajak.

Dirjen Pajak sebenarnya sejak melakukan banyak sosialisasi, mereka cukup mengerti apa yang kita khawatirkan dan menjawab cukup banyak pertanyaan2 di sosialisasi tersebut dan mereka berhasil medokumentasikannya dan telah mengeluarkan FAQ (Frequently Ask Questions) buat kita jadikan acuan. Jadi, jika teman-teman malas baca UU dan PMK ttg Amnesti Pajak, saya mohon setidaknya baca FAQ itu dulu, biar ada info sedikit gitu setidaknya. Pertanyaannya cukup mewakili pertanyaan kita-kita. FAQ itu bahkan juga ada updatenya, jadi coba itu FAQ updatenya juga dibaca teman-teman.

Khusus mengenai Asuransi Jiwa dalam rangka Amnesti Pajak, jika anda memiliki produk Unit Link, maka 100% harus dilaporkan nilai investasinya per 31 Desember 2015 (FAQ no.54).

Jika Anda memiliki polis Asuransi Jiwa tradisional (non unit link), maka harus dilihat lagi polis apa yang anda miliki. Jika polis tersebut memiliki Nilai Manfaat Pasti maka polis tersebut termasuk yang harus dilaporkan sebagai harta. (FAQ15082016 No.7)

Biar gampangnya untuk produk tradisional kayak gini nih :

1. Untuk produk Term life, tidak perlu dilaporkan, karena dari premi yg disetor tidak ada yg nantinya akan diinvestasikan baik sebagai unit maupun tabungan.
2. Untuk produk Endowment, perlu dilaporkan, karena dari premi yg disetor ada nilai yang diinvestasikan dimana nilainya akan meningkat setiap tahunnya. Menurut saya nilai pasti dijamin per 31 Desember 2015 itu yg harus ditulis dalam Surat Pernyataan. Nilainya bisa dilihat di dalam polis/proposal yg Anda tandatangani.
3. Untuk produk Whole Life, perlu dilaporkan, dengan alasan yg sama dgn Endowment.Ada bagian dari premi yang menjadi investasi seperti tabungan, nilainya meningkat setiap tahunnya bahkan dijamin nilainya. Nilai Tunai Dijamin per 31 Desember 2015 adalah nilai yang harus dicantumkan menurut saya. Nilai ini bisa diliat di dalam buku polis asuransi tradisional.

Nilai investasi maupun nilai tunai dijamin, nilainya selalu berubah setiap tahunnya. Jadi silahkan buku polisnya diliat lagi kalo pas waktunya pelaporan SPT. Kalo untuk yg unit link, pengalaman saya pribadi, lebih cepat dan ga repot, langsung telp ke customer care perusahaan asuransi jiwa masing2 untuk minta dibacakan nilai investasi per 31 Desember 2015 nya.

Kalo Anda bisa baca tulisan ini, kemungkinan besar Anda juga bisa mengakses link ini http://www.pajak.go.id/amnestipajak

Disitu di bagian paling bawah ada bagian download dimana Anda bisa download segala informasi yg anda butuhkan. Termasuk FAQ.

Sekian dari saya, semoga informasinya berguna buat teman2 pembaca sekalian.

Steviani CPA, CFP®, BKP, QFE.

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Millenium Gold Plus by Sequis Life

22 Jul

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ONLY FOR PEOPLE WHO WANT THEIR MONEY TO WORK HARDER WITH LOW RISK.

IF you live in Jakarta, earning US Dollar and Planning to Invest your Money at a USD Cash Deposit in a Bank, you may realise that you are ONLY Earning a 1% or less interest with 20% final tax deducted from your interest; or maybe if you left it in USD Saving Account, you are earning a 0,01% interest with $1/month bank fees and again 20% final tax Deducted from your Savings. IF You have No Immediate Plan to use your cash, I would recommend you to check this one:

Sequis Life after its strategic partnership with Nippon Life from Japan has recently launched a Life Insurance product that can be Purchased by Indonesian and all Foreigners/Expatriate who work and stay in Indonesia with a valid KITAS/KITAP visa. Term Deposit locked in between 7-9 years with interest rate around 2%p.a., Tax Free, Authorised by Indonesia Financial Services Authority (OJK).

Product name : Millenium Gold Plus

Product information :

1. Entry Age : 1 month old – 65 years old

2. Currency : US Dollar

3. Payment Option : Annual (yearly)

4. Payment Period : 3, 4 or 5 years ( for Foreigner only available 3 and 4 years)

5. Minimum Annual Premium : US$5,000 / year

6. Life Insurance benefit and Deposit benefit – depending on your payment period :

a. Payment period : 3 years

Insurance benefit : 3,5 x Annual Premium , will be covered for 9 years

Deposit benefit : 3  x Annual Premum x 113,5% , Principal and Interest will be paid lump sum at the end of year 7

b. Payment period : 4 years

Insurance benefit : 4,5 x Annual Premium , will be covered for 10 years

Deposit benefit : 4  x Annual Premum x 116% , Principal and Interest will be paid lump sum at the end of year 8

c. Payment period : 5 years

Insurance benefit : 5,5 x Annual Premium , will be covered for 11 years

Deposit benefit : 5  x Annual Premum x 120% , Principal and Interest will be paid lump sum at the end of year 9

*>note : Maximum Life Insurance benefit for age 1 month – 50 y.o = US$350,000 while for age 51-65 y.o. = US$175,000

7. Underwriting : Non Medical

8. Fees and Charges : Once off $8 policy issuance fee. 

note : All rate and charges are correct as at the posting date. To get the latest update email steviani@gmail.com

Example : Mr. Sakamoto age 47 who work for Company XYZ at Cikarang is currently owning a $300,000 saving which is earning 0,01% p.a. with 20% final tax and $1/month. In a year his saving is increased by $30 interest before tax, deducted with $6 final tax and $12 bank fees, leaving Mr. Sakamoto with $12 annual net increase on his saving account. It would take him around 8 years to get a $100 interest.

Looking at Steviani website and read about Millenium Gold Plus, considering that he will not use the $300,000 savings in the next 7 years, Mr. Sakamoto decided to purchase the product with $50,000 premium per year and choose to pay for 3 years only.

He contacted Steviani by email to steviani@gmail.com and arrange a meeting to get a proposal and the application form. Within 3 days, they met, fill in the application form attaching copy of his current passport with valid KITAS visa. The following day Mr. Sakamoto arrange to transfer $50,000 into Sequis Life USD account at HSBC. Send proof of payment to Steviani by email.

Within 21 working days, the policy will be issued and when it issued, Steviani will again meet Mr. Sakamoto to give him his policy book and explain what is inside the book. Mr. Sakamoto will need to pay another $50,000 in 2016 and $50,000 in 2017. Total premium payment is $150,000 for 3 years ( $50,000 / year).

Say at 1 July 2015 the policy is issued, at 1 July 2022 Mr. Sakamoto will receive back his deposit with interest, a lump sum of $170,250. That is a deposit interest of $20,250 free of tax for a 7 year locked in deposit of $150,000.

After the deposit is matured and being paid out to Mr. Sakamoto there are still another 2 years Free Life Insurance protection with sum assured of $175,000 available to his beneficiaries ie., his beneficiaries will receive an additional cash amount of $175,000 as his family financial protection when Mr. Sakamoto is no longer available to support them in their life.

To Earn $12 per year on a full $300,000 OR Purchase Millenium Gold Plus with half the amount and Earning $20,250 after 7 years is all up to you.

You should have a careful consideration before deciding to purchase any financial product.

If you wish to Purchase this product or need Product Presentation please send me an email at steviani@gmail.com to arrange a meeting time either at your office or our office. Steviani working hour is Monday to Friday from 10 am – 4pm. Your email will be answered within 24 hours or 3 x 24 hours during weekend.

Happy Planning and Investing, Securing Your Own and Your Family Future.

Steviani CPA, CFP®, BKP, QWP

Licensed Insurance Agent of PT Asuransi Jiwa Sequis Life

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Get insurance that suits YOUR LIFESTYLE!

22 May

“I’m sorry Mam, but your Health Insurance Card is only covering for room rate Rp.800.000,00 per night. Your Dad currently stay at Suite Room which rate is Rp.3.500.000,00 per night.”

Well that was a real conversation that I had few weeks ago at one hospital in Jakarta.

My Dad got a heart attack 2 weeks ago. He went to the hospital at night with my Mom and looking for a private room to get treatment. Unfortunately private rooms are full that night and the one available is either ICU or that 3.5mio Suite Room. He took that suite room.

The next day the doctor perform cardiac catheterization and found out one of the vein is narrowing thus decided my Dad will need a stent implanted in his heart then and there. He already got 4 stents, this is the fifth. Not only a heart stent, he also got an extra balloon on the same line. Goodness me, one stent cost about Rp.60.000.000,00 if you are wondering.

Stay in the hospital for 2 nights, one doctor visit, one surgery room for catheterization and angioplasty surgery, 1 stent and 1 balloon, 6 hours stay at ICU and take home medicine easily cost us almost Rp.150.000.000,00

Luckily my parents can afford to pay that bill.

Imagine if you are on the same situation. You are in an emergency situation to get a medical treatment but there is no room that suits your budget. So the choice either take the expensive room or get no medical treatment at all. I’m sure if you love your life dearly or someone else that is dear to you, you will most likely take that first option ie. stay at the expensive room even though you have no idea how you will ever be able to pay for the bill, their wellbeing will be your TOP Priority.

Many people in Indonesia don’t really know about Health Insurance. So when that critical time comes, their only option is either take out their life savings or borrow money from their family/friends. If they only knew there is a third option ie. Health Insurance. With a small amount of money you can save a lot and still get the medication treatment you need without worry of your financial future.

My parents remember that they ever buy a private health insurance so when they checked in to the hospital, the next thing they do is TO FIND THAT MAGIC CARD. THEY TOOK OUT ALL OF THEIR CARDS, HOPING TO FIND THAT ONE CARD WHICH WHEN THEY SWIPE, IT CAN PAY THE HOSPITAL BILL AND WONT STRIP OFF THEIR LIFE SAVINGS.

Good thing, she found it! She cant remember the cover she has because at that time she only bought it because her friends keep pestering her to buy. She took out the policy and find out that the insurance cover she bought was for room rate Rp.500.000,00 with very small benefit. Lucky there is another one provided by the company for room rate Rp.800.000,00 with a limited benefit which unfortunately they cant use because the room rate is too expensive compare to the card benefit so the hospital require the company to write a letter of guarantee. In the end, he have to pay it first and to get a reimbursement from two insurance companies later on.

Too much hassle isn’t it? Therefore I write this to let you know that if money is not a problem for you, PLEASE GET AN INSURANCE THAT SUITS YOUR LIFESTYLE. If you can pay ONLY 30 mio for a 150 mio bill, would you take it? I would.

As I wrote too many times, for people who already has a steady income, HEALTH INSURANCE is currently part of your LIFESTYLE. As your lifestyle increases, you might want to increase your Health and Life Insurance cover as well.

Trust me it is easier to increase your lifestyle than decreasing it.
Too many stories people can tell about huge medical bill changed their family lifestyle and most of it are not pretty. If you want to protect your lifestyle, I highly recommend you to get a Health and Life Insurance for yourself.

If you can not afford Private Health Insurance, you have to have at least cover from BPJS Kesehatan. With only less than Rp.50.000,00 you can get the same treatment which cost millions rupiah. Be smart with your money, get Insurance to protect yourself and your family from unnecessary financial distress.

Steviani, CPA, CFP®
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