URGENCY TO SPIN OFF SHARIA INSURANCE COMPANIES THROUGH INSURTECH AND PERSONAL QUALITY

Abstract The quality of Islamic insurance agents consists to: physical, intellectual, and spiritual. This quality creates agent competence so that they can compete in the sharia insurance marketing business. Competition for human performance is currently overwhelmed by the ease of technology through the internet media, this technological advancement then becomes a challenge for agents to be able to take advantage of technology. This high level of competition needs to be framed using sharia views in order to avoid competition that is not in accordance with sharia values. The term digitalization in known insurance is an insurtech, phenomenon then makes them as a technology driver in marketing the shariah insurance business in sharia companies in the Nort Sumatera, especially in percent and sun life sharia companies. The results showed were: Insuretech makes the performance of sharia insurance agents faster and more productive; Spiritual quality is very important and main, because a good personality will affect the company; Spin offs are needed and need to be done, but the main think that must be fixed is the problem of behaviour and mentality of Islamic insurance agents