PT Panin Financial Tbk is an Indonesia-based company engaged in provision of business consulting services, management and administration to public. The Company, through its subsidiary, PT Panin Dai-ichi Life, is engaged in life insurance business. PT Panin Dai-ichi Life uses four distribution channels, which include Agency, Bancassurance, Credit Life, and Direct Marketing & Telemarketing. Its products include Unit linked Products, which includes conventional and shariah; Traditional Products, which includes education/retirement plan and hospital cash plan; Credit Life and Credit Shield Products, which includes house loan, car loan, property loan, personal loan and credit shield (for credit card), and Digital Marketing Products. Its services include updating customer database, expansion of premium payment facilities, e-policy, Whatsapp application for claim helpdesk services and claim guideline services.