The problem of this research is how to regulate investment-based life insurance in Indonesia and the liability of investment-based life insurance companies against the risk of default by policyholders. This study uses a research method that has an empirical juridical type. The study results explain that the regulation of investment-based life insurance in Indonesia is regulated in Law Number 40 of 2014 concerning Business Per Insurance, OJK Regulation Number 23/POJK.05/2015 concerning Insurance Products and Marketing and Decree of the Chairman of BPPM and Financial Institutions Number KEP-104/ BL/2006 concerning Investment-based life insurance products. PP Number 87 of 2019 concerning insurance companies in the form of joint ventures, RI's Financial Decree Number 422/KMK.06/2003 and Director General of Financial Institutions Decree Number 2475/LK concerning investment insurance products and forms of liability of default insurance companies must fulfill the contents of the agreement insurance that gives rise to the rights and obligations of the insured reciprocally. However, Law Number 40 of 2014 concerning Insurance Business does not fully regulate violations in the insurance business and does not regulate how the insurance company is responsible for the company's inability to fulfill insurance claims.

The Election Supervisory Body (Bawaslu) has a role in maximizing the quality of the implementation of elections so as to provide certainty for the upholding of sovereignty and the pure results of the votes that will be cast by the community. Regulations for regulating the authority regarding Bawaslu in Indonesia are regulated in Law Number. 2 of 2015, this rule regulates the role and duties of Bawaslu, one of which is as a structure in election supervision related to law enforcement in the holding of elections. Bawaslu has very limited duties in carrying out its role as an election organizer, there is always news that mentions the weak supervision carried out by Bawaslu in holding elections. Community expectations for Bawaslu in carrying out their role are very high, but, on the other hand, the limited authority given to Bawaslu makes their role dysfunctional. The ineffectiveness of the duties carried out by Bawaslu will affect the implementation of the election administration. The purpose of this study is to examine and examine the role of Bawaslu in carrying out their duties in supervising the implementation of elections in society. The method used in this research is normative legal research. Bawaslu has roles and duties that have been regulated in laws and regulations, namely overseeing the stages of the election implementation process with regard to efforts to prevent prosecution of violations that occur in elections.AbstrakBadan Pengawas Pemilu (Bawaslu) memiliki peran dalam hal memaksimalkan kualitas pelaksanaan penyelenggaraan Pemilu sehingga memberikan kepastian untuk tegaknya kedaulatan dan murninya hasil suara masyarakat. Peraturan untuk mengatur kewenangan mengenai Bawaslu di Indonesia diatur pada UU Nomor 2 tahun 2015, aturan ini mengatur peran dan tugas Bawaslu, salah satunya sebagai struktur dalam pengawasan Pemilu yang berkaitan dengan hal penegakan hukum pada penyelenggaraan Pemilu.  Bawaslu memiliki tugas yang sangat terbatas dalam menjalankan peran sebagai pelaksanaan Pemilu. Ada saja berita yang menyebutkan lemahnya pengawasan yang dilakukan bawaslu dalam penyelenggaaan pemilu. Harapan masyarakat terhadap bawaslu dalam menjalankan perannya sangatlah tinggi, tetapi, di sisi lain, keterbatasan kewenangan yang diberikan kepada Bawaslu menjadikan perannya tidak berfungsi. Ketidakefektifan tugas yang dilakukan Bawaslu akan mempengaruhi pelaksanaan penyelenggaraan Pemilu. Tujuan penelitian ini adalah untuk mengkaji dan menelaah peran Bawaslu dalam melaksanakan tugasnya dalam pengawasan pelaksanaan penyelenggaraan Pemilu di masyarakat. Metode yang digunakan dalam penelitian ini adalah jenis penelitian hukum normatif. Hasil penelitian menunjukkan bahwa Bawaslu memiliki peran dan tugas yang telah diatur dalam peraturan perundang-undangan yaitu mengawasi tahapan proses pelaksanaan Pemilu yang berkenaan dengan upaya pencegahaan penindakan pelanggaran yang terjadi dalam Pemilu.

No abstract

The loss suffered by the insured can be processed by submitting a claim to the insurance company, so that compensation can be paid. The compensation referred to in insurance must apply the principle of Indemnity. This principle applies the principle of equilibrium, where compensation imposed by the insured may not exceed the price or the sum insured submitted prior to the loss.