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.

Keywords: Life Insurance, Agreement, Claims