Legal Protection for Insured Persons in the Life Insurance Claim Process at Insurance Companies Experiencing Bankruptcy
DOI:
https://doi.org/10.70826/jsisnu.v2i3.907Keywords:
Legal Protection, Bankruptcy, Life Insurance, ClaimsAbstract
This study aims to examine the legal protection afforded to the insured under a life
insurance contract, particularly when the insurance company experiences payment
failure or bankruptcy. Using a normative legal approach, this study highlights the role
of laws and regulations and the authority of the Financial Services Authority (OJK) in
guaranteeing the rights of policyholders. The results indicate that life insurance
contracts are consensual and remain valid even before the policy is issued, as long as
there is an agreement between the parties. In the event of insurance company
bankruptcy, the law grants policyholders special status as preferred creditors, who
have priority rights in the settlement of receivables. This strengthens the legal
protection for the insured as stipulated in Law Number 40 of 2014 concerning
Insurance.
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Copyright (c) 2025 Elsa Mahriani Pasaribu, Adel Nazwa Sipa Sinaga, Wardiatul Hasanah Siregar, Irani Adwiyah Rambe4
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