Troubled Life Insurance Handling Efforts, Due to The Inability of Policyholders to Pay Insurance Premiums at PT. Asuransi BRI Life Medan

The functions and objectives of the insurance institution are so good, but in reality, there are still some members of the community who have not been able to take advantage of this insurance agency. This can be due to the low level of community income, lack of knowledge in the field of insurance, so it is feared that someday the insured will not be able to carry out his obligations. The theory used as a knife of analysis in this research is the theory of justice and the theory of legal protection. Life Insurance Business according to the Company Law is a business that provides risk management services that provide payments to policy holders, the insured, or other entitled parties in the event that the insured dies or remains alive, or other payments to the policy holder, the insured, or other parties entitled to the specified time as stipulated in the agreement, the amount of which has been determined and or is based on the results of fund management. Article 246 KUHD contains the formula: "by which the insurer binds himself to the insured by receiving premium.