CD Skripsi
Cadangan Premium Difference Formula Pada Asuransi Jiwa Last Survivor Dwiguna Dengan Distribusi Akash
Every life insurance company provides financial protection services to the heirs or beneficiaries against various risks that will occurs in the event of death of the policyholder. The company must set aside a reserve fund to meet future obligations related to claims from policyholders. This reserve is obtained from premiums paid by insurance participants. The Premium Difference Formula re- serve is a method of which shows that the reserve is the actuarial present value of the The difference in premiums paid exceeds the remaining term premium payments. This study aims to determine the reserve of Premium Difference Formula in dual-purpose last survivor life insurance for insurance participants those aged x and y years using the Akash distribution Parameter estimation is done using the maximum likelihood method. In this project, calculation are performed using Maple 13 software. The calculation process includes determi- ning the life annuity initial, single premium, and annual premium which then results in a formula reserves based on Akash distributions. The results showed that the Premium Difference Formula reserves for endowment last survivor life insurance based on the 2019 Indonesia Mortality Table are higher than the Pre- mium Difference Formula reserves for endowment last survivor life insurance using Akash distribution.
Keywords: Premium Difference Formula reserve, endowment last survivor life insurance, Akash distribution, maximum likelihood method
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