This study aims to find out what are the main factors of work motivation of insurance agents. Insurance companies that are sometimes still underestimated by others, may be the most promising and productive job opportunities today. Certain births and deaths make insurance very suitable as a long-term investment for the family. In carrying out their duties, insurance agents are responsible for marketing and selling insurance services to cover losses caused by illness, car accidents, fires, earthquakes, and so on. In addition, the insurance agent serves as an intermediary for an agreement between the insured and the insurer which will later be regulated in the insurance agreement. This study uses observational research methods and literature studies and researchers find that agents have a great influence on the success of insurance companies for many years. Therefore, according to researchers, the work motivation of agents is an interesting topic to discuss.
This study aims to determine the process of resolving claims for the Brilliance Hasanah Sejahtera product and to review it from the Maqashid Syariah aspect. The type of research used is descriptive research with a qualitative approach, namely research that provides an overview of the situation being studied in the form of a narrative description. The conclusion of this study is that the settlement of Brilliance Hasanah Sejahtera life insurance claims is in accordance with the specified conception which consists of notification of claims, submission of claim files, investigation of claim files, and payment of claims. Then in the process of settlement of Brilliance Hasanah Sejahtera life insurance claims in terms of maqashid sharia aspects, PT Sun Life Financial Indonesia Medan branch has realized maqashid sharia in the aspects of hifzh ad-din (property protection) and social benefit. The forms of hifzh ad-din (property protection) in the settlement process for Brilliance Hasanah Sejahtera life insurance claims at PT Sun Life Financial Indonesia Medan branch are: the false. Second, the management of claim funds in the form of tabarru funds is issued with sharia values and does not contain elements of usury. Third, the administration of fund claims can be quickly provided to customers because the investigation of claims submission is carried out in a fast, responsive and strict procedure so that handling feels safe for customers and the company. And fourth, claims for payment of funds are made by transferring to each customer's account, so there is no need to worry about fraud or elements of gharar. However, the hifzh ad-din (property protection) aspect in the claim settlement process cannot be separated from other aspects of maqashid sharia which include hifzh ad-din (religious protection), hifzh an-nafs (life protection), hifzh al-aql (protection of reason) and hifzh an-nasl (protection of offspring) because all aspects of maqashid sharia influence one another. In the realization of the benefit of the existing maqasyid sharia values, the level lies at the first level, namely dharuriyat. Keywords: Maqashid Syariah, Claims, Life Insurance, Brilliance Hasanah Sejahtera
When a disaster occurs to the insured, such as an accident, the insured or the customer will submit a claim, so there are often misunderstandingsAbetween the insuredAand the insurer. Such as theAprocedures andAconditions thatAmust be met by the insuredAand the complicatedAclaim submission process. This is what makes the assessment of insurance worse in the eyes of the public. This study aims to discuss the Sharia Insurance Perspective on the Accident Insurance Claim Service Mechanism (a case study at PT. Sun Life Finansial Sharia Unit MedanABranch). TheApurpose ofAthisAresearchAis to find out howAthe mechanismAof accidentAinsuranceAclaim serviceAat PT Sun LifeAFinansial Syariah UnitAMedan Branch is in accordance with sharia insurance principles or not. ThisAresearch isAa qualitativeAresearch. TheAmethod of collectingAdata was throughAtwo stages, namelyAinterviews, and observations. The results of the study indicate that "Sharia Insurance Perspective on AccidentAInsuranceAClaim Service MechanismsA (case study at PT. Sun LifeAFinancial Unit SyariahAMedan Branch)" is inAaccordance withAIslamic law withAreference toAthe Fatwa of theANational Syari'ahACouncil and theAIndonesian UlamaACouncil (DSN-MUI) and FinancialAServices Authority (OJK) regulations.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.