JASNI BIN SULONG; RIZKI KHOIRIL WALADI SIAHAAN. Strengthening Legal Protection for Insurance Policyholders in Indonesia: Pre-Contractual Fairness, Claims Governance, and the Policy Guarantee Program. Jurnal Sahabat ISNU SU , [S. l.], v. 3, n. 2, p. 158–171, 2026. DOI: 10.70826/jsisnu.v3i2.1834. Disponível em: https://journal.isnu-sumut.org/index.php/jsisnu/article/view/1834. Acesso em: 6 nov. 2026.