I have never received billing statement so I do not have to pay any accrued interest if APL occurs.

As stated in Policy terms, either sending Premium billing statement to your billing address or other manner of delivery as chosen by Policyholder will not release your obligation to pay premium fully. Costs incurred related to preferred payment methods shall be paid by policyholder. We apologize for this inconvenience but we cannot exempt you from paying the interest.  

Can I apply for a Policy loan?

Policy loan is available for cash value Policy (non unit-linked). As long as the Policy is still active (in force) and there are no unpaid premiums, Policy Loan can be granted based on the terms and conditions of the Policy. The maximum amount of loan is 80% of Cash Value, and loan interest is to be determined by PT Tokio Marine Life Insurance Indonesia.

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