Tinjauan Kesesuaian Praktik Asuransi Jiwa Dwiguna Murni Berdasarkan Fatwa DSN-MUI Nomor 155 Tahun 2023

Abstract

Currently, there are a wide variety of insurance products, especially sharia dual-purpose life insurance products which are based on the principles of justice and togetherness in sharing risks between policy holders and insurance companies. This research method is qualitative research in the form of a case study, with an empirical normative approach.  The research results show that first, based on fatwa no.155/DSN-MUI/V/2023 there are 7 provisions that must be fulfilled. (1) general provisions, (2) legal provisions, (3) contract provisions, (4) provisions related to Tanahud funds, (5) provisions related to investment management of Tanahud funds, (6) provisions related to the return of Tanahud funds, (7) surplus provisions underwriting. Second, the practice of pure sharia endowment life insurance is carried out by participants paying contributions and participants are also entitled to receive stage funds which are given to participants when the child enters each level of education. Third, the practice of pure sharia endowment life insurance in the Education Fund Takaful (Fulnadi) product is deemed not to be completely appropriate based on the provisions of the DSN MUI fatwa number 155/DSN-MUI/V/2023.