Akibat Hukum Terhadap Penunggakan Pembayaran Premi Asuransi Jiwa Di PT. Asuransi Jiwasraya

Insurance is a human need, we know that insurance can provide protection for the transfer of risk suffered by every human being, namely the event that is uncertain when it occurs, but the problem that often occurs is that the insured neglects his performance to pay premiums, some insured do not make premium payments and does not pay premiums on time, the result of late payment of premiums is that the insured's policy will become inactive and will not be able to file claims. The main problem in this study is how the form of legal consequences received on arrears of life insurance premiums at PT. Asuransi Jiwasraya Pekanbaru and what is the form of the settlement process for premium arrears by the insured PT. Jiwasraya Insurance Pekanbaru. The type of research used in this research is observational research by means of a survey, while its nature is descriptive, namely research that aims to provide a more precise and concrete picture. The results of the research that the authors get about the legal consequences received on arrears of life insurance premiums at PT. Asuransi Jiwasraya Pekanbaru is that the policy will become inactive, the membership status will be blocked and you cannot file a claim. In the insurance business, each party has rights and obligations. The insured has an obligation to pay an agreed premium amount and provide correct information to the insurer and has the right to receive protection from the insurer. And the insurer has an obligation to provide protection and security to the insured, has the right to get premiums and has the right to get correct information from the insured. So that the legal consequences suffered by the insured for the arrears of premiums do not occur, the insured should make payment of premiums on time via a credit card every month. Meanwhile, the process of settling premium arrears by the insured is nonlitigation, namely by way of deliberation and litigation. Litigation is a legal action carried out through court channels. And if the insured party has the desire to reactivate the policy, a maximum period of twenty-four months will be given starting from the unpaid premium period and will be due until the policy recovery date and fill out a form containing a health statement for policy recovery