PERLINDUNGAN HUKUM BAGI TERTANGGUNG DALAM PENGIKATAN KONTRAK ASURANSI JIWA MELALUI TELEMARKETING (STUDI KASUS: POLIS ASURANSI JIWA JAGA DIRI)

The development of technology and information increases every year and is used by insurance companies to market insurance products, especially in life insurance. Insurance marketing is carried out by the insurance agent to the prospective insured through telemarketing, which sometimes happens the coercion of the will by the insurance agent which causes losses to the insured or other interested parties in the life insurance. Therefore, what are the legal protections for the insured in binding an insurance contract through telemarketing, to find answers to the problem, normative research is used that uses primary legal materials in the form of statutory regulations and is equipped with secondary legal materials, namely books, journals, and data. From all newspapers and consumer services some life insurance and data in the form of life insurance policies and statements from sources. By using this method, it can be concluded that preventive legal protection for the insured is resolved through consumer complaint services that have been provided by the related Life Insurance Company, if not resolved then it will be continued in Repressive Legal Protection. Repressive legal protection for the insured has clearly explained that it can be resolved through an internal peace forum, and if an agreement is not reached, the insurer gives the insured freedom to settle disputes through a Dispute Resolution Agency registered with the Financial Services Authority (OJK) or a court according to the agreement between the insurer and the insured or other interested parties in the life insurance