Life Insurance as a Family Financial Protection Instrument: A Legal and Practical Study
DOI:
https://doi.org/10.70826/jsisnu.v3i1.1245Keywords:
Life Insurance, Financial Protection, Insurance Agreement, Legal Certainty, FamilyAbstract
Life insurance is a crucial instrument for providing financial protection for families, particularly in the event of the death of the primary breadwinner. This study aims to examine the role of life insurance as a means of family financial protection from a legal perspective and its practical application. The study focuses on the legal standing of the parties in a life insurance agreement, the implementation of claims, and their legal implications for family protection. The research method used is normative legal research with a statutory and conceptual approach. Data were obtained through a literature review of laws and regulations, legal literature, and documents related to life insurance. The research stages include collecting legal materials, analyzing relevant legal provisions, and drawing conclusions based on the results of the study. The results indicate that life insurance plays a strategic role in maintaining family economic stability and providing legal certainty for beneficiaries. However, in practice, problems remain, particularly related to policyholder understanding and the insurance claims process. The discussion emphasizes the importance of clear agreements, information transparency, and legal education for life insurance to function optimally as an instrument of financial and legal protection for families.
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