PELAKSANAAN PERJANJIAN ASURANSI JIWA PRODUK UNIT LINK SEBAGAI ALTERNATIF INVESTASI BARU DIPERUSAHAAN PT. PRUDENTIAL LIFE ASSURANCE CABANG PADANG
ABSTRACT: Unit-linked life
insurance is insurance that has two benefits, the benefits of insurance and
investment benefits. I researched the problem: 1) How does the implementation
of the agreement? 2) What are the obstacles in the implementation of the
agreement? 3) Are efforts made to overcome the obstacles in agreement
unit-linked products?. The research method I use is the juridical sociological
method. Primary data the authors obtained the results of field research by
conducting open interviews with respondents and informants. The results of
research are qualitatively analyzed. The results obtained are insured received
three of the insured person, namely: 1) life insurance coverage 2) additional
life insurance coverage (rider) 3) Assured of investment. Implementation of the
agreement between the insurer and the insured is the insurer pays insurance
money and pay investment returns, while the amount of money the insured pays a
premium. Limitations to the agreement of the insurer is 1) Not insured
incompatibility of data 2) The terms of filing a claim is incomplete, missing
or burnt policy. Barriers to implementation of the agreement of the insured
are: 1) the insured does not pay the premium, 2) the insured pays a premium to
the agent and the agent does not deposit to the account of the insurance
company. Efforts to overcome barriers to the implementation of agreements in
the insurance 1) Required notarized statement or evidence of receipt signed by
the relevant officials. 2) The premium holiday for the insured leave the
facility.
Penulis: Doni Rayendra,
Yansalzisatry, Adri
Kode Jurnal: jphukumdd141317
