Penentuan Cadangan Premi Asuransi Jiwa Dwiguna Menggunakan Metode Full Preliminary Term

Authors

  • Lujiana Sagari Program Studi Aktuaria, Universitas Tamansiswa Padang
  • Yurniati Yurniati Program Studi Aktuaria, Universitas Tamansiswa Padang
  • Melvi Muchlian Program Studi Aktuaria, Universitas Tamansiswa Padang

DOI:

https://doi.org/10.30605/proximal.v8i1.5345

Keywords:

Endowment Life Insurance, Premium Reserve Calculation, Full Preliminary Term Method, Mortality Table

Abstract

Dual-purpose life insurance is insurance that provides two benefits, where the company will provide compensation if the insured remains alive at the end of the policy period or dies within the policy period. In two-purpose life insurance, insurance participants either die or survive will be paid the sum insured by the insurance company and insurance participants have an obligation to pay a certain amount of money to the insurance company called premiums.This study aims to calculate the amount of premium reserves for two-purpose life insurance using the full preliminary term method. This premium reserve calculation uses the 2019 Indonesian Mortality Table with an interest rate of 5.75%. Based on calculations using the full preliminary term method, the first year premium reserve value is zero. The results of the calculation of endowment life insurance premium reserves using the full preliminary term method in the 10th year of the premium reserve are equal to the amount of compensation provided.

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References

1.Kajian Metode Zilmer, Full Preliminary Term,dan Premium Sufiency Dalam menentukan Cadangan Premi Pada Asuransi Jiwa Dwiguna. Penelitian ini dilakukan oleh M.Rizki Oktaviani, Dodi devianto, serta ferra Yanuar program studi Matematika Fakultas Matematika dan Ilmu Pengetahuan Alam Universitas Andalas
2.Cadangan Full Preliminary Term Asuransi Jiwa Dwiguna Dengan Hukum De Moivre. Penelitian ini dilakukan Sherly Mutya Faradilla, Hasriati, serta Tumpal P.Nababan
3.Penentuan Cadangan preni Asuransi Jiwa Dwiguna Menggunakan Metode Full Preliminary Term Dan Premium Suficiency. Penelitian ini dilakukan oleh Lia Amelia Tarigas ,Neva Satyahadewi ,dan Hendra Perdana
4.Pengaruh Penggunaan Hukum Mortalitas Gompertz Pada Penentuan Besarnya Asuransi Jiwa Dwiguna Dengan Metode Full Preliminary Term. Penelitian ini dilakukan oleh Kiki Ramadani,Dodi Devianto,dan Izzati Rahmi HG
5.Cadangan Premi Asuransi Jiwa Dwiguna Menggunakan Metode Full Preliminary Term. Penelitian ini dilakukan oleh Alif Anindyanari Putri Priyambudi, Qanita Aulia khairunnisa, Ratu Alivya Syahrazard Anees, Lienda Noviyanti, Achmad Zanbar Soleh Universitas Padjajaran

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Published

2025-01-29

How to Cite

Sagari, L., Yurniati, Y., & Muchlian, M. . (2025). Penentuan Cadangan Premi Asuransi Jiwa Dwiguna Menggunakan Metode Full Preliminary Term. Proximal: Jurnal Penelitian Matematika Dan Pendidikan Matematika, 8(1), 394–400. https://doi.org/10.30605/proximal.v8i1.5345

Issue

Vol. 8 No. 1 (2025): Integrasi Matematika, Teknologi, dan Budaya dalam Pendidikan dan Aplikasi Terapan

Section

Articles

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