This study aims to determine the determinants of risk factors from within the company and macroeconomic influences related to the solvency ability of Sharia life insurance companies and sharia unit life insurance for the period 2017 – 2019 registered with the Financial Services Authority (OJK), using Risk Based Capital analysis. and Early Warning System. The financial ratio analysis used is based on the Statement of Financial Accounting Standards (PSAK) No. 28 concerning Loss Insurance Accounting. The Risk Based Capital method used is based on regulations set by the government. This type of research is included in descriptive research using a quantitative approach. The method used for sampling in this research is purposive sampling with a total sample of 7 Sharia Life Insurance companies and 23 Sharia Life Insurance Units in Indonesia for 3 years of research. The data used is secondary data. The statistical analysis technique used in this study is panel data regression analysis using SPSS version 25. The risk factors tested include solvency ratios, technical, liquidity, underwriting, profitability, as well as macroeconomic influences.