Criminal Policy in Problems of Insurance Fraud (Sales of Insurance Policies) using the Telemarketing Method Based on Law No.11 of 2008 Concerning Electronic Information and Transactions

A new form of crime which is a white-collar Insurance fraud in telemarketing the delivery insurance products. The criminal act that violates law against an company with aim illegally obtaining financial benefits from closing risk. This writing, apart being final project assessment, also aims to explain marketing through causes many legal problems, especially terms its engagement cyber world. results this paper indicate policy penal (criminal means) and non-penal (prevention providing protection ensure consumer rights so they are not violated by business actors can cause harm consumers.