Analisis Peran Underwriter dalam Menyeleksi Risiko pada Produk Asuransi Jiwa Syariah di Allianz Cabang Kota Padang

Aida Lasmi (Universitas Islam Negeri Sumatera Utara)
Muhammad Arif (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara)
Juliana Nasution (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara)

ManBiz: Journal of Management and Business
Vol. 2 No. 2 (2023): ManBiz: Journal of Management and Business

This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.