Abstract
Financial distress is a financial condition that occurs before bankruptcy, marked by a negative profit for two consecutive years. The purpose of this study was to examine the independent variables, namely changes in surplus, premium growth, the margin of solvency, firm size, and RBC, on the dependent variable, namely financial distress. The object of this study is a life insurance company registered with the Financial Services Authority in 2015–2019. The research method in this research is quantitative, using logistic regression analysis using SPSS 25 software. The sample selection technique is purposive sampling obtained by 13 life insurance companies in 2015–2019. The results showed that life insurance companies in Indonesia with variable changes in surplus, premium growth, and firm size significantly affect financial distress. Meanwhile, the variable solvency margin and RBC did not have a significant effect on financial distress.
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