LEGAL CERTAINTY FOR PAYMENT OF UNIT LINK INSURANCE CLAIMS THAT HAVE DEFAULTED

Abstract Unit link insurance is an insurance product that combines life insurance protection with investment. Although it offers various benefits, there are risks faced by policyholders, especially related to claim payments that are often rejected or delayed. This study aims to analyze the legal certainty in the payment of unit link insurance claims that fail to pay, as well as the factors that influence the insurance company's decision to reject claims. The research method used is a qualitative approach with case study analysis of several insurance companies in Indonesia. Data were collected through interviews with stakeholders, including customers, insurance agents, and insurance companies, as well as analysis of documents related to applicable policies and regulations. The results of the study indicate that the law in claim payments is caused by a lack of understanding of customer requirements and policy provisions, as well as ambiguity in the regulations governing unit link insurance. This study recommends the need to increase transparency and education for consumers regarding unit link insurance products, as well as strengthening regulations to protect the information rights of policyholders. Thus, it is hoped that legal certainty in the payment of unit link insurance claims can be realized, providing better protection for customers.