EP 54 – Karin Zulkarnaen – CMO Allianz Indonesia – Insurance Is Part of Life


Michael has previously worked for major international organisations including Morgan Stanley, Goldman Sachs, UBS and CitiGroup as well as supported and advised local tech giants like aCommerce and investors like Ardent Capital in Thailand. Since 2016, Michael has been running his media business hosting several tech podcasts in Asia.

Karin Zulkarnaen served as Chief Marketing Officer at Allianz Life Indonesia to lead marketing function by developing marketing strategy including new products and programs roll out, new customer acquisitions program as well as customer retention programs, internal and external communications and Corporate Social Responsibility activities to improve Allianz reputation in the market.

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In this episode, Michael Waitze talks to Karin Zulkarnaen, the Chief Marketing Officer of Allianz Life Indonesia. Karin has spent 15 years with Allianz and talks about the massive changes technology has brought to the insurance industry and how it is helping to shape the future of insurance in a country like Indonesia.

With insurance penetration below 5%, Indonesia presents massive opportunities but its geographical location with over 18,000 islands comes with its own challenges. Digital solutions and partnerships with digital marketplaces help insurers access clients in remote areas that do not have a large agent network. 

Karin talks about alternative distribution and the rise of superapps like Grab and Gojek. Allianz was the first insurer to offer innovative products to Gojek drivers. Instead of an annual premium, drivers can pay the premium on a daily basis. The payments are collected through GoJek’s platform GoPay. 

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