Pelaksanaan Pencairan Dana Asuransi Berbasis Investasi Pada PT. Prudential Life Assurance

Novianti, Deni (2021) Pelaksanaan Pencairan Dana Asuransi Berbasis Investasi Pada PT. Prudential Life Assurance. Other thesis, Universitas Islam Riau.

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Abstract

Insurance is an agreement between two parties, namely the insurance company and the policy holder, which is the basis for receiving premiums by the insurance company in return for compensation for the risks suffered by the Insured. Insurance is regulated in Law No. 40 of 2014 concerning insurance. Prudential as an insurance company runs a company that covers life insurance as well as investment, where the cash value of the investment results can be used as funds for life stages such as children's education or old age insurance which can be withdrawn at any time. However, in the implementation of disbursement of investment-based insurance funds, it must be carried out quickly, precisely and fairly. The formulation of the problem in this research is the implementation of investment-based insurance fund disbursement at PT. Prudential Life Assurance and obstacles in the implementation of disbursement of investment-based insurance funds at PT. Prudential Life Assurance. While the form of the research method used is observational research or empirical legal research by means of a survey, namely research carried out in the field to obtain the necessary data using data collection tools in the form of direct interviews with related parties. Meanwhile, if viewed from its nature, this research is descriptive in nature, namely describing in a structured, concrete, accurate manner a certain population or area, about the characteristics, characteristics, and certain factors of the leadership of PT. Prudential Life Assurance. The implementation of the disbursement of investment insurance funds or the cash value of the Insured must meet the requirements in the form of documents and conditions listed in the policy, but the insurance company does not carry out the provisions according to the policy because there are negligence committed by agents such as one of them not depositing premiums to the company. As for the implementation of the disbursement of investment insurance funds, there are obstacles in its implementation both in terms of agents, insurance companies and the Insured, such as a lack of communication between the Insured and the Insurer, causing the cash value not to be paid.

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