Rachel Sabina Azzahra, Riski Ayunda, Maulana Sutan Hasibuan, Shenny Kristina Putri Sitorus, and Kelvin Alvaro, “Insurance Consumer Protection in Case of Default by Life Insurance Companies: Civil Law and OJK Perspectives”, INS9MJ, vol. 2, no. 3, pp. 325–331, Dec. 2025.