NOT long after the Diamond Investa product was launched, Freddy Kusharyono was interested in purchasing it. This metal industry entrepreneur was tempted by the promised return: 13 percent per year. He did not hesitate to spend his money, more than Rp1 billion, to buy this investment-based insurance product launched by PT Asuransi Jiwa Bakrie. This was almost three years ago.

To begin with, everything went smoothly and he enjoyed the promised inv