LEGAL PROTECTION OF CONSUMERS USERS OF PRIVATE LIFE INSURANCE SERVICES
DOI:
https://doi.org/10.33603/hermeneutika.v9i2.8716Keywords:
: Legal Protection, Insurance, PT. Prudential Life AssuranceAbstract
Insurance or coverage is an agreement where the insurer promises to the insured party, through premium payments, intending to provide compensation for losses, damages, or loss of profits that suddenly occur due to an event that cannot be anticipated in advance. The purpose of this study is to understand how legal protection is provided to consumers against unfair clauses in life insurance policies, as well as to identify the role of the Indonesian Life Insurance Association in ensuring that policyholders' rights are fulfilled adequately within the framework of consumer protection in the life insurance sector. Represented by PT. Prudential Life Assurance. The primary focus of this study is on how the Financial Services Authority fulfills its role in safeguarding the legal rights of the Insured when a life insurance policy claim is rejected at PT. Prudential Life Assurance. This research focuses on the analysis of normative juridical law, where law is defined as an entity recorded in laws and regulations, or as a set of principles and norms that direct human behavior. The method applied in this study involves a systematic approach to the investigation process. The research results indicate that the rights and responsibilities of all parties are effectively implemented, whereby the customer holding the policy will receive compensation payments upon submitting a claim and receive a premium according to their entitlement.
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