PERANAN UNDERWRITING DALAM MEMINIMALISIR RISIKO KERUGIAN FINANSIAL ASURANSI JIWA PADA AJB BUMIPUTERA 1912 KANTOR CABANG CELAKET MALANG
| Main Author: | Ningrum, Yuliana Eka |
|---|---|
| Format: | Thesis NonPeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
, 2015
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| Subjects: | |
| Online Access: |
http://eprints.umm.ac.id/21217/1/jiptummpp-gdl-yulianaeka-40182-1-pendahul-n.pdf http://eprints.umm.ac.id/21217/2/jiptummpp-gdl-yulianaeka-40182-2-babi.pdf http://eprints.umm.ac.id/21217/ |
Daftar Isi:
- Choosing financial risk in the insurance is something needed for insurance company so that the insurance company will not get any suffer of lost financial. Underwriting is the process of assessing and dividing of the level of risk which has been had by the candidate of endured or the group of people which have been endured with the product of specific insurance and choosing the decision to accept or reject that risk. Each endured has to pay insurance premium which is appropriate with the level of endure risk or the condition of endured. This research aims to know the beneficial of underwriting in minimalizing the risk of insurance financial lost on AJB Bumiputera 1912 Celaket Malang branch. Observation is the technique of collecting data which is used by the researcher. The role of this technique is observing the activities of a subject or the characteristic of something without getting responses from anyone. Moreover, there is another technique that is used by the researcher to collect the finding, namely survey method. This technique aims to ask the question to the subject observed. The research result is underwriting, it is the process of selection and classification of the risk which should be done by endured while Financial underwriting is the part of all underwriting process. Then, the policies which have been in trial during two years, they will get a guarantee with the criteria such as: the first year is 60% looked from the death benefit, the second year is 80%, and the third year is 100%. If there is over insurance or something which is found in the result of financial inspection, all medical information and the background should be rechecked. The researcher argues that the administration or production staff should maximize their work and more focus on selecting all the candidate of Policy and endured, so that the risk of lost financial will be minimized.