CD Skripsi
Cadangan Commissioners Dan Cadangan Canadian Pada Asuransi Jiwa Dwiguna Menggunakan Distribusi Laplace
Each insurance participant pays a premium to the insurance company during the coverage period. In paying the sum insured to insurance participants, in- surance companies need to prepare reserve costs. This reserve fee is used to anticipate the possibility of company losses when the policyholder dies without sufficient funds because the company must pay the sum insured to the heirs. The company needs to prepare reserve costs to ensure that the company has sufficient funds to fulfill obligations to policyholders. This research explains the calculation of this research the Commissioners reserve and Canadian rese- rve of endowment life insurance for individual insurance participants aged x years using Laplace distribution. Laplace distribution parameters are estima- ted using method of moment and method of maximum likelihood estimation. Calculations in this study using the help of Maple 13 software. The solution of the problem is obtained by determining the initial life annuity term, single premium, and annual premium so as to obtain the Commissioners reserve for- mula and Canadian reserves based on the Laplace distribution. The results of the calculation of the reserve Commissioners of dwiguna life insurance using Laplace distribution is greater than using the Canadian reserve of dwiguna life insurance Laplace distribution.
Keywords: Commissioners reserves, Canadian reserves, endowment life insu- rance, Laplace distribution, method of moment, method of maximum likelihood
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