Jakarta, CNBC Indonesia – The story of the demise of Wayan Mirna Salihin in 2016 which ensnared Jessica Wongso has as soon as once more turn out to be public consideration after the looks of a documentary movie Ice Chilly: Homicide, Espresso & Jessica Wongso on Netflix. As is thought, in 2016 the problem of Mirna’s life insurance coverage emerged to the general public.
As reported by CNN in 2016, Jessica’s different lawyer, Yudhi Sukinto Wibowo, as soon as mentioned that Mirna had life insurance coverage value US$ 5 million overseas. Consequently, suspicions arose that somebody had intentionally framed Jessica as a suspect with a view to disburse Mirna’s life insurance coverage funds.
Mirna’s father, Darmawan Salihin, didn’t deny that Mirna did have insurance coverage. Nevertheless, he didn’t specify the kind of insurance coverage Mirna had. Darmawan mentioned that the quantity of insurance coverage cash was IDR 10 million.
Darmawan additionally mentioned that what Yudi mentioned was a lie. At the moment, the police themselves mentioned that Mirna didn’t have life insurance coverage with a sum insured of US$ 5 million.
Studying from Mirna’s case, know that the occasion who ought to have life insurance coverage is the one who is the breadwinner within the household.
The aim of getting life insurance coverage is to anticipate the danger of lack of earnings when the breadwinner dies or experiences whole everlasting incapacity.
The sum insured from life insurance coverage will be claimed by the authorized heirs appointed as beneficiaries, by the insured.
When somebody is single, i.e. has no dependents, dad and mom or siblings are the beneficiaries. Nevertheless, if they’re married and shouldn’t have youngsters, their associate will be the beneficiary. What’s the motive?
Group of heirs
Within the Civil Code, heirs are regulated in Article 832. They’re separated into 4 teams, as follows.
Group I
Households in a straight line downwards are the husband or spouse who lives longer, and the youngsters who’re left behind.
Group II
Household that’s in a straight line upwards, resembling dad and mom and siblings.
Group III
Grandfathers, grandmothers and ancestors.
Group IV
Relations who’re on the facet line and different households as much as the sixth diploma. Examples are uncles, aunts, and grandparents.
Despite the fact that there are teams of heirs, somebody doesn’t essentially have the fitting to assert inheritance from their sibling. The inheritor teams are primarily based on the precedence distribution of inheritance.
When somebody continues to be single, not directly the authorized heirs are the second group, specifically dad and mom and siblings.
Despite the fact that they’ll appoint who would be the beneficiaries, the insurance coverage firm will definitely not agree if these individuals are outdoors of sophistication II heirs.
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