Tokio Marine Indonesia Strengthens the Role of Agents to Promote Insurance Literacy and Inclusion

JAKARTA - PT Asuransi Tokio Marine Indonesia (TMI) held the Agency Kick Off 2026 event as a strategic momentum to appreciate the brilliant achievements of agents throughout 2025, as well as strengthening their role as the front line in promoting insurance literacy in Indonesia. The activity which took place some time ago at Skydance, Pantai Indah Kapuk (PIK) 2, North Jakarta marked the start of a new direction and TMI agency initiative in 2026.

This event was attended by the board of directors of PT Asuransi Tokio Marine Indonesia as well as around 70 agents from the Jabodetabek area. TMI considers agents not only as marketing personnel, but strategic partners who play an important role in helping people understand risks and make more appropriate and responsible financial decisions.

Throughout 2025, TMI's agency distribution channel recorded impressive growth. The growing public confidence is reflected in the solid premium growth of 6.3 percent, which shows a sharper and dominant market penetration in the general insurance industry.

Not only growing in volume, TMI also shows the quality of the business is getting better through better risk management, where the company managed to significantly reduce the claim rate to 30.6 percent.

"Tokio Marine Indonesia sees the role of agents as part of a shared responsibility in expanding public understanding of the importance of insurance protection. The achievement of

"In 2025, it is a tangible proof that the quality of our business is getting healthier and sustainable," said Heryudi, Chief Distribution Officer of PT Asuransi Tokio Marine Indonesia, in a statement, Wednesday, February 11.

The dedication of partners remains the top priority for TMI. This is evidenced by the increase in total commission disbursed by 8.6%, as a form of appreciation for the hard work of agents. In addition, the TMI family continues to grow rapidly with the growth of the number of new agents reaching 16.3%, which directly expands the reach of protection services for more families in Indonesia.

As an additional form of appreciation, TMI provides appreciation to the most outstanding agents, including the launch of a travel incentive program for a new period to motivate service professionalism.

Entering 2026, TMI introduced various strategic initiatives designed specifically to improve the agency's overall capabilities. This step is initiated by strengthening human resources through more structured training and mentoring programs so that agents can appear more comprehensive and adaptive in dealing with market dynamics.

In addition to focusing on human resource development, TMI also carried out digital transformation by updating the Tokio Marine Agency Applications (TAPPS) application to be more user-friendly, as well as launching the Instant Commission feature which provides transparency and convenience for agents in the process of instant commission disbursement.

"Our investment in technology and human resource development is a long-term commitment to building a modern and adaptive agency ecosystem. With the right support system, agents can work more efficiently and provide relevant solutions according to customer needs," added Heryudi.

In line with this, Doddy Sinaga, Head of Agency Business PT Asuransi Tokio Marine Indonesia, said that TMI's agency growth showed a consistent trend in recent years.

"With the increase in productivity and massive network expansion in recent years, we are optimistic that we can continue to strengthen TMI's position through innovations that are relevant to customer needs while strengthening agency performance in the general insurance industry," he explained.

Through an approach that places agents as the main link, PT Asuransi Tokio Marine Indonesia is committed to supporting the OJK program in expanding the reach of literacy and more equitable insurance inclusion throughout Indonesia, in line with sustainable business growth in 2026.