Perlindungan Hukum Terhadap Kreditur yang Memberikan Kredit dengan Jaminan Polis Asuransi Jiwa Jika Debitur Meninggal (Studi Pada PT. AJB Bumiputera 1912 Cabang Batu)

Insurance is increasingly in demand because businessmen or individuals can transfer risk to other parties. The world of banking or financial institutions began to look at risk transfer through insurance. The current development of guarantees surrounding current material guarantees of credit guarantees can also be done with life insurance. With these developments the question of the author's position as a life insurance policy is the object of credit guarantees and how the legal protection of creditors who provide credit with guaranteed life insurance. The legal research method that I use is a sociological juridical method, this legal research looks at the law in terms of real conditions and leads to how the law works. This research is descriptive which describes in a complete and systematic manner a legal phenomenon. The results of the analysis of the author that the position of the policy as collateral in debt, but the policy can only be done and used as collateral to the issuer or insurance company. Legal protection for guarantees can be done with two things, namely, preventive legal protection and repressive legal protection. Preventive legal protection is legal protection before the occurrence of a matter, in the case of legal protection the creditor who dies during the loan, the insurance party has stated that as long as the loan does not exceed the cash value, the remaining insurance will return the remaining insurance money after the loan is deducted. But if as long as the loan takes place and there is no intention to repay and the loan exceeds the cash value of a policy, the insurance is not liable for repayment because the loan falls or is lost