Cadangan premi pada asuransi jiwa Dwiguna kontingensi berdasarkan hukum makeh…

Makeham’s law considers two mortality rates, namely a constant mortality rate representing deaths due to factors unrelated to age, such as accidents or conge- nital diseases, and a mortality rate that increases with age due to senescence. This renders Makeham’s law to provide a precise calculation of mortality proba- bilities, thereby a more accurate calculation of premium reserves and miti…