Sun Life Research Articles

Analisis Pengembalian Dana Tabarru Bagi Pemegang Polis Yang Berhenti Sebelum Masa Perjanjian Berakhir

This research aims to analyze the return of Tabarru Funds for policy holders who quit before the agreement period ends at PT Sun Life Syari'ah Medan Branch from a sharia insurance perspective. This research is a type of quantitative research, namely by conducting field research. The data sources used in this research are primary data and secondary data. Data collection was obtained from interviews, documentation and observation. To analyze the data, researchers used descriptive analysis methods. Data analysis techniques are carried out by reducing data, presenting data, and drawing conclusions. Research subject to related and authorized parties at PT Sun Life Syariah Medan Branch. The research object is the return of Tabarru Funds for policy holders who quit before the agreement period ends. The research results show that the implementation of the Tabarru contract at PT Sun Life is in accordance with the Fatwa of the National Sharia Council regarding Tabarru contracts for sharia insurance and Sharia Reinsurance. Based on the results of the interview, PT Sun Life stated that the Tabarru Fund return procedure which stops before the agreement period ends must still meet the requirements, where the return is in accordance with the type of product the customer purchased and the return is not in full, but in part after deducting administration fees and policy issuance. , and other costs that have been incurred.

Performance Analysis of Selected Mutual Fund Schemes: A Case Study

This study aims to evaluate the performance of selected mutual fund schemes offered by Aditya Birla Sun Life Mutual Fund. By leveraging secondary data from April 2022 to March 2023, this research analyzes the Net Asset Value (NAV) and corresponding returns of five mutual fund schemes. Utilizing statistical tools and the Sharpe Index Model, the study assesses risk-adjusted returns to rank the schemes and provide insights into their relative performance. The findings serve as a valuable resource for individual investors, organizations, and regulators, facilitating informed investment decisions and highlighting market trends. The research underscores the significance of mutual funds as a viable investment vehicle for diverse portfolios and examines the efficacy of specific schemes in achieving their investment objectives.

Improving The Efficiency and Quality of Sharia General Insurance at Sun Life Insurance at PT. Sun Life Syariah Medan Branch

In general, insurance is providing risk protection to the insurer, namely an insurance organization and an agreement agreed upon for a certain period of time. PT Sun Life Syariah Medan Branch is a Sharia general insurance organization located on Jl. Captain Jumhana No. 127, Sukaramai II, Kec. Medan Area, Medan City, North Sumatra. The aim of this research is to find out how to increase the efficiency and quality of superior Sharia general insurance products at PT Sun Life Syariah Medan Branch. The research method uses qualitative methods. The research results obtained are that the level of efficiency of an organization is not determined by the amount of total income, total expenditure, or the total capital owned by the company. However, on the contrary, it is influenced by the business's ability to maximize profits through the effective use of its own resources, which determines the level of efficiency. For this reason, it can be concluded that the Sun Life Financial Syariah Medan Branch organization has better management skills than traditional insurance organizations to design products optimally and minimize the costs required.

Analisis Penerapan Biaya Kontribusi dan Klaim pada Produk Asuransi jiwa Syariah di PT. Sun Life Financial Syariah Medan

PT Sun Life Financial Sharia Plays an active role in developing income contribution (premium) nationally. The purpose of this study is to analyze how application of contribution cost and claims on syariah life insurance products at PT Sun life financial syariah Medan. This study uses aqualitative method to produce descriptive da in the form of observation, interviews, wrtten or oral words about people and the observable behavior. The results of this study indicate that application of contribution cost and claims collected from contribution payments will be divided into several parts namely being used for insurance benefits in the form of funds used as gurantor if there is the riskof participants, as the contribution cost of tabaru which is used for risk insurance funds for syariah insurance participants, and as coverage that will be managed by 2 (two) syariah products in the form of Salam Hijrah Amanah Insurance and Salam Hijrah Investa Insurance. 
 Keywords: Syariah Insurance, Contribution, Claims

Emerging paradigms in socially responsible investment (SRI)—A study with focus on ESG mutual funds in India

Socially Responsible Investment (SRI) is an emerging investment avenue in India, encompassing various Environmental, Social, and Governance (ESG) mutual funds within the financial markets. This study adopts both an exploratory and empirical approach, aiming to provide historical insights into the landscape of SRI within India’s financial markets. The study’s objectives include elucidating the concept of SRI, assessing the performance of selected ESG funds in India, and examining the opportunities and challenges within this domain. To evaluate the effectiveness of Environmental, Social, and Governance (ESG) funds, the study employs various risk-adjusted performance measures. Notably, the ICICI Prudential ESG Fund in the Direct Plan-Growth (FDPG) option demonstrates superior overall performance compared to other selected ESG fund schemes in India. Conversely, the Aditya Birla Sun Life ESG FDPG option ranks as the least performer when contrasted with other schemes within the Direct Plan-Growth category.

PENGARUH SPIRITUAL LEADERSHIP TERHADAP KINERJA, ORGANIZATIONAL BASED SELF-ESTEEM SEBAGAI VARIABEL INTERVENING

This study aims to analyze the role of Organizational Based Self Esteem (OBSE) in mediating the influence of Spiritual Leadership on the HR Performance of the Sun Life Syariah Insurance Agency team Al Fateeh Semarang. A sample of 102 employees. The sample selection method used in this study is purposive sampling method, namely sampling with techniques adapted to research objectives where the samples used have certain criteria determined based on their positions consisting of Agency Directors, Senior Agency Managers, Agency Managers and Financial Advisors. . The data collection method used in this study was by giving a questionnaire. Data analysis techniques This study uses the SEM-PLS analysis method. Organizational research results provide a positive and influential role in mediating the effect of Spiritual Leadership on Performance. Spiritual leadership influences performance. Organizational Based Self Esteem influences performance.

140-LB: Use of Apparent Glycation Ratio (AGR) to Correct Average Glucose (AG) Estimation from CGM Profiles in T1DM, T2DM, and Prediabetes

Using HbA1c to reflect AG has limitations. The AGR has been proposed as a correction factor to compute a personalized estimated average glucose (peAG). Three CGM datasets with contemporary HbA1c values (mostly White individuals with T1D [REPLACE BG - RBG], and mainly Hispanic/Latinos with T2D and prediabetes [FARMING FOR LIFE-FFL and DIGITAL HEALTH - DH]) were used to estimate AGR. The RBG dataset was also used to compare peAG vs eAG. No significant differences in AGR were found across age, BMI, gender, or HbA1c in the FFL (n=105, 91% Hispanic/Latino, 32% T2D, age 54 ± 12 yr) and DH (n=26, 100% Hispanic/Latino, 39% T2D, age 50 ± 12 yr) data. However, the median AGRs (72.3 [69, 76.2] ml/g in FFL, and 75.3 [72.8, 83.8] ml/g in DH) were higher than the reference of 65.1 ml/g (p<0.005) from predominantly White individuals. Using 3-month CGM data from RBG (n=57, 90% White, 100% T1D, age 50 ± 13 yr) to compute AGR, a Bland-Altman plot showed that confidence intervals narrowed when using peAG (Figure). Also, AG had a higher correlation with peAG compared to eAG. Bias in peAG/eAG-AG lost significance when HbA1c was measured 3 months after the CGM data for AGR.Hispanic/Latinos with or at risk of T2D may have higher AGR levels than the previously suggested value, implying an overestimation of AG values from HbA1c. The use of AGR and peAG in stable glycemia can provide a more accurate representation of AG than eAG. Disclosure S. E. Sato Imuro: None. D. Kerr: Consultant; Sanofi-Aventis U. S. W. C. Bevier: None. A. Sabharwal: None. Funding U.S. Department of Agriculture (2018-33800-28404); National Science Foundation (1648451); Elsevier Foundation; Sun Life Financial

Tinjauan Maqashid Syariah terhadap Penyelesaian Klaim Produk Asuransi Jiwa Brilliance Hasanah Sejahtera di PT. Sun Life Financial Indonesia Cabang Medan


 This study aims to determine the process of resolving claims for the Brilliance Hasanah Sejahtera product and to review it from the Maqashid Syariah aspect. The type of research used is descriptive research with a qualitative approach, namely research that provides an overview of the situation being studied in the form of a narrative description. The conclusion of this study is that the settlement of Brilliance Hasanah Sejahtera life insurance claims is in accordance with the specified conception which consists of notification of claims, submission of claim files, investigation of claim files, and payment of claims. Then in the process of settlement of Brilliance Hasanah Sejahtera life insurance claims in terms of maqashid sharia aspects, PT Sun Life Financial Indonesia Medan branch has realized maqashid sharia in the aspects of hifzh ad-din (property protection) and social benefit. The forms of hifzh ad-din (property protection) in the settlement process for Brilliance Hasanah Sejahtera life insurance claims at PT Sun Life Financial Indonesia Medan branch are: the false. Second, the management of claim funds in the form of tabarru funds is issued with sharia values ​​and does not contain elements of usury. Third, the administration of fund claims can be quickly provided to customers because the investigation of claims submission is carried out in a fast, responsive and strict procedure so that handling feels safe for customers and the company. And fourth, claims for payment of funds are made by transferring to each customer's account, so there is no need to worry about fraud or elements of gharar. However, the hifzh ad-din (property protection) aspect in the claim settlement process cannot be separated from other aspects of maqashid sharia which include hifzh ad-din (religious protection), hifzh an-nafs (life protection), hifzh al-aql (protection of reason) and hifzh an-nasl (protection of offspring) because all aspects of maqashid sharia influence one another. In the realization of the benefit of the existing maqasyid sharia values, the level lies at the first level, namely dharuriyat.
 Keywords: Maqashid Syariah, Claims, Life Insurance, Brilliance Hasanah Sejahtera

The effectiveness and value of AMX0035 and oral edaravone for amyotrophic lateral sclerosis: A summary from the Institute for Clinical and Economic Review's Midwest Comparative Effectiveness Public Advisory Council.

DISCLOSURES: Funding for this summary was contributed by Blue Cross Blue Shield of MA, California Healthcare Foundation, The Patrick and Catherine Weldon Donaghue Medical Research Foundation, Arnold Ventures, and Kaiser Foundation Health Plan Inc., to the Institute for Clinical and Economic Review (ICER), an independent organization that evaluates the evidence on the value of health care interventions. ICER's annual policy summit is supported by dues from Aetna, America's Health Insurance Plans, AbbVie, Alnylam, AstraZeneca, Biogen, Blue Shield of CA, Boehringer Ingelheim, Cambia Health Services, CVS, Editas, Evolve Pharmacy Solutions, Express Scripts, Genentech/ Roche, GlaxoSmithKline, Harvard Pilgrim, Health Care Service Corporation, Health First, Health Partners, Humana, Johnson & Johnson (Janssen), Kaiser Permanente, LEO Pharma, Mallinckrodt, Merck, Novartis, National Pharmaceutical Council, Pfizer. Premera, Prime Therapeutics, Regeneron, Sanofi, Spark Therapeutics, Sun Life Financial, uniQure, and United Healthcare. Mr Nikitin, Ms McKenna, Ms Richardson, and Drs Rind and Pearson are employed by ICER. Through their affiliated institutions, Drs Makam, Carlson, and Suh received funding from ICER for the work described in this summary.

ANALISIS KINERJA AGEN ASURANSI SUN LIFE SYARIAH DI PT. SAHABAT SUKSES BERBISNIS SURABAYA

This study aims to determine the effect of discipline, motivation and self-efficacy on the performance of Sun Life Syariah insurance agents at PT. Sahabat Sukses Berbisnis Surabaya. The population in this study uses all agents owned by the insurance company Sun Life Syariah at PT Sahabat Sukses Berbisinis Surabaya as many as 94 insurance agents. The sampling technique used was the saturated sampling technique so that all the population was sampled, obtained as many as 94 respondents. Data was collected through questionnaires, which were then processed using Partial Least Square (PLS) data analysis techniques by conducting validity tests, reliability tests, structural model tests and hypothesis testing. The results showed that discipline, motivation, and self-efficacy had a positive and significant influence on the performance of Sun Life Syariah insurance agents at PT. Sahabat Sukses Berbisnis Surabaya.

PENGARUH PERSONAL SELLING AGEN DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN NASABAH ASURANSI SUN LIFE FINANCIAL SINGARAJA

This research aims to examine the cause of (1) personal selling agent and product quality toward purchasing decision, (2) personal selling toward purchasing decision, (3) product quality toward purchasing decisions empirically. The design of this research is causal quantitative research design. One of the methods of data collection is questionnaire, which is analyzed by using multiple regression with classical assumption test. The result of the research shows that there are significant influence from (1) personal selling and product quality toward purchasing decision with contribution influence of 0,785 (2) personal selling toward purchasing decision with contribution influence of 0,445 and (3) product quality toward purchasing decision with contribution influence of 0,173 to the client of PT. Sun Life Financial

Sharia Insurance Perspective On Accident Insurance Claim Service Mechanism (Case Study atAPT. SunALifeAFinancial Unit Syariah Medan City Branch)

When a disaster occurs to the insured, such as an accident, the insured or the customer will submit a claim, so there are often misunderstandingsAbetween the insuredAand the insurer. Such as theAprocedures andAconditions thatAmust be met by the insuredAand the complicatedAclaim submission process. This is what makes the assessment of insurance worse in the eyes of the public. This study aims to discuss the Sharia Insurance Perspective on the Accident Insurance Claim Service Mechanism (a case study at PT. Sun Life Finansial Sharia Unit MedanABranch). TheApurpose ofAthisAresearchAis to find out howAthe mechanismAof accidentAinsuranceAclaim serviceAat PT Sun LifeAFinansial Syariah UnitAMedan Branch is in accordance with sharia insurance principles or not. ThisAresearch isAa qualitativeAresearch. TheAmethod of collectingAdata was throughAtwo stages, namelyAinterviews, and observations. The results of the study indicate that "Sharia Insurance Perspective on AccidentAInsuranceAClaim Service MechanismsA (case study at PT. Sun LifeAFinancial Unit SyariahAMedan Branch)" is inAaccordance withAIslamic law withAreference toAthe Fatwa of theANational Syari'ahACouncil and theAIndonesian UlamaACouncil (DSN-MUI) and FinancialAServices Authority (OJK) regulations.

Strategy to Maintain Customer Loyalty at PT Sun Life Financial Unit Syariah Medan Branch

Loyalty is a customer's attachment to a product or service, measured by repeat purchases. Customer loyalty has an important role in the company. Maintaining them means improving financial performance and maintaining the viability of a company. This is the main reason for a company to attract and retain customers. The purpose of this study was to determine the agent's strategy in forming customer trust and loyalty towards repurchase intentions. To clarifyy thesee problems in depth and comprehensively, the researchers used qualitativee researchh withh data colllection methods inn thee formm of interviews andd observations. Basedd onn thee resultss of the studyy indicate thatt thee strategy to maintain customer loyalty at PT Sun Life Financial Unit Syariah Medan Branch can be said to be in accordance with the strategy in general. But in reality there are several strategies that fail to maintain customer loyalty.

CORPORATE SOCIAL RESPONSIBILITY EMPOWERMENT STRATEGY AT PT. SUNLIFE SHARIA FINANCIAL IN IMPROVING THE ISLAMIC WELL-BEING OF BABAKAN PEOPLE AT TANGERANG CITY

The purpose of this research is to find out Corporate Social Responsibility (CSR) Empowerment Strategy at PT. Sun Life Sharia Financial Tangerang city for the well-being of Babakan people. This research uses qualitative analysis method by means of data collection technique uses observations, comprehensive interviews and documentations. The Purposive sampling technique used in this research to choose the informants, namely by choosing the most informed interviewees about the topic of the research. Research finding shows that Corporate Social Responsibility (CSR) Empowerment Strategy at PT. Sun Life Sharia Financial Tangcity for the people well-being has been in accordance with the Company Operational Standard. However, in its practice, there are some notes regarding the strategy. First, the distribution is already well-executed even though there are some things that do not go according to Company’s plans. Second, in attempt of empowerment, PT. Sun Life has a program called Sun Bright, that is a social program which serves to help people in Welfare, Education, and Economic matters. Third, the People are truly satisfied by the help given by the Company. It improves their wellbeing such improve in economic, social, educational, and spiritual needs.

Mavacamten for hypertrophic cardiomyopathy: effectiveness and value.

DISCLOSURES: Funding for this summary was contributed by Arnold Ventures, The Donaghue Foundation, Harvard Pilgrim Health Care, and Kaiser Foundation Health Plan to the Institute for Clinical and Economic Review (ICER), an independent organization that evaluates the evidence on the value of health care interventions. ICER's annual policy summit is supported by dues from AbbVie, America's Health Insurance Plans, Anthem, Alnylam, AstraZeneca, Biogen, Blue Shield of CA, Boehringer-Ingelheim, Cambia Health Services, CVS, Editas, Evolve Pharmacy, Express Scripts, Genentech/Roche, GlaxoSmithKline, Harvard Pilgrim, Health Care Service Corporation, HealthFirst, Health Partners, Humana, Johnson & Johnson (Janssen), Kaiser Permanente, LEO Pharma, Mallinckrodt, Merck, Novartis, National Pharmaceutical Council, Pfizer, Premera, Prime Therapeutics, Regeneron, Sanofi, Sun Life Financial, uniQure, and United Healthcare. Beinfeld, Nhan, Rind, and Pearson are employed by ICER. Through their affiliated institutions, Wasfy, Walton, and Sarker received funding from ICER for the work described in this summary. Walton also reports consulting fees from Second City Outcomes Research. Wasfy reports personal fees from Biotronik and Pfizer; grants from National Institutes of Health, National Football League Players Association and American Heart Association; and travel support from American College of Cardiology. Sarker has nothing additional to disclose.

Strategi Pemasaran Agen PT Sun Life


 The purpose of this study is to analyze the marketing strategies used by insurance agents in finding Sun life insurance accounts. This study uses descriptive and qualitative methods which include observation, library science, documentation, data processing, data presentation, and reasoning. According to the survey, researchers follow a cycle to plan, seek, approach, find, present facts, and end objections to the specific address of the insurance agent receiving the payment. Insurance agents often refer customers, often visit individuals, provide detailed explanations and insights about insurance, provide excellent information and service, and provide customers with excellent information and services to retain and improve their customers. Available anytime when you need insurance assistance, which is any day or time.
 Keywords: marketing strategy, insurance agent, sunlife.

JAK inhibitors and monoclonal antibodies for the treatment of atopic dermatitis: effectiveness and value.

DISCLOSURES: Funding for this summary was contributed by Arnold Ventures, The Donaghue Foundation, Harvard Pilgrim Health Care, and Kaiser Foundation Health Plan to the Institute for Clinical and Economic Review (ICER), an independent organization that evaluates the evidence on the value of health care interventions. ICER's annual policy summit is supported by dues from AbbVie, America's Health Insurance Plans, Anthem, Alnylam, AstraZeneca, Biogen, Blue Shield of CA, Boehringer-Ingelheim, Cambia Health Services, CVS, Editas, Evolve Pharmacy, Express Scripts, Genentech/Roche, GlaxoSmithKline, Harvard Pilgrim, Health Care Service Corporation, HealthFirst, Health Partners, Humana, Johnson & Johnson (Janssen), Kaiser Permanente, LEO Pharma, Mallinckrodt, Merck, Novartis, National Pharmaceutical Council, Pfizer, Premera, Prime Therapeutics, Regeneron, Sanofi, Sun Life Financial, uniQure, and United Healthcare. Agboola, Herron-Smith, Nhan, Rind, and Pearson are employed by ICER. Through their affiliated institutions, Atlas, Brouwer, Carlson, and Hansen received funding from ICER for the work described in this summary.

The effectiveness and value of eculizumab and efgartigimod for generalized myasthenia gravis.

DISCLOSURES: Funding for this summary was contributed by Arnold Ventures, The Donaghue Foundation, Harvard Pilgrim Health Care, and Kaiser Foundation Health Plan to the Institute for Clinical and Economic Review (ICER), an independent organization that evaluates the evidence on the value of health care interventions. ICER's annual policy summit is supported by dues from AbbVie, America's Health Insurance Plans, Anthem, Alnylam, AstraZeneca, Biogen, Blue Shield of CA, Boehringer-Ingelheim, Cambia Health Services, CVS, Editas, Evolve Pharmacy, Express Scripts, Genentech/Roche, GlaxoSmithKline, Harvard Pilgrim, Health Care Service Corporation, HealthFirst, Health Partners, Humana, Johnson & Johnson (Janssen), Kaiser Permanente, LEO Pharma, Mallinckrodt, Merck, Novartis, National Pharmaceutical Council, Pfizer, Premera, Prime Therapeutics, Regeneron, Sanofi, Sun Life Financial, uniQure, and United Healthcare. Agboola, Nikitin, and Pearson are employed by ICER. Through their affiliated institutions, Tice, Touchette, and Lien received funding from ICER for the work described in this summary.

E-CRM practices and customer satisfaction in insurance sector

On a global scale a number of insurers are competing and offering the customers a plethora of products. The customers are demanding quick and better service from the service providers. For the insurance companies to survive competition, they have to upgrade the quality, transparency and integrity to acquire and retain customers in long range. They need a set of offers and the value proposition to be delivered to the target potential customers, which needs a thorough market research to understand the needs of the customers and accordingly launching the products to match with customer’s expectation. Since the initiation of liberalization, privatization and globalization, successive governments have tried to keep pace with a rapidly changing global scenario. The doors for private participation were opened in a number of sensitive sectors, insurance being one of them. For the past few decades, insurance was looked upon as a tax-saving investment product. While the opportunity for the players is the huge untapped potential, the challenge is to establish a long-term reputation, also to serve the customers in a sophisticated way by introducing the innovative offerings. This research study is the based on impact of customer relationship management practices on insurance sector in Bangalore market. In this study customer’s opinions have been collected through a structured questionnaire to understand the effectiveness of CRM implementation in relation to the companies like AVIVA, LIC of India, ICICI prudential, Birla sun life and Reliance. Here to measure the customer satisfaction gained by above insurers, factor analysis and t test have been used considering the factors of satisfaction.

The effectiveness and value of aducanumab for Alzheimer's disease.

DISCLOSURES: Funding for this summary was contributed by Arnold Ventures, The Donaghue Foundation, Harvard Pilgrim Health Care, and Kaiser Foundation Health Plan to the Institute for Clinical and Economic Review (ICER), an independent organization that evaluates the evidence on the value of health care interventions. ICER's annual policy summit is supported by dues from AbbVie, America's Health Insurance Plans, Anthem, Alnylam, AstraZeneca, Biogen, Blue Shield of CA, Boehringer-Ingelheim, Cambia Health Services, CVS, Editas, Evolve Pharmacy, Express Scripts, Genentech/Roche, GlaxoSmithKline, Harvard Pilgrim, Health Care Service Corporation, HealthFirst, Health Partners, Humana, Johnson & Johnson (Janssen), Kaiser Permanente, LEO Pharma, Mallinckrodt, Merck, Novartis, National Pharmaceutical Council, Pfizer, Premera, Prime Therapeutics, Regeneron, Sanofi, Sun Life Financial, uniQure, and United Healthcare. Whittington, Rind, and Pearson are employed by ICER. Through their affiliated institutions, Synnott and Lin received funding from ICER for the work described in this summary. In addition, Synnott reports support from Biogen for the Tufts Medical Center Cost-Effectiveness Analysis Registry, which is maintained by the Center for the Evaluation of Value and Risk in Health.