CD Skripsi
Cadangan Full Preliminary Term Dan Cadangan Premium Sufficiency Asuransi Jiwa Dwiguna Menggunakan Distribusi Lindley
Life insurance companies provide protection to address the risks that may af- fect the lives of policyholders due to unpredictable events. The company needs to prepare reserve funds to mitigate these risks. These reserves are obtained from the premiums paid by policyholders and are used to cover the needs of both the insurance company and the policyholders. The full preliminary term reserve and premium sufficiency reserve are modified reserves, calculated based on prospective reserves. The purpose of this study is to determine the amount of full preliminary term and premium sufficiency reserves for endowment life insurance on an individual basis using the Lindley distribution, the parameters of the Lindley distribution are estimated using the maximum likelihood estima- tor. In this project, calculations are performed using Maple 13 software. The resolution of the issue is achieved by determining the initial term life annuity, single premium, and annual premium, then deriving the formula for the full preliminary term and premium sufficiency reserves based on the Lindley distri- bution. The results of calculating the reserves for the full preliminary term of endowment life insurance with the Lindley distribution are smaller compared to the reserves for premium sufficiency of endowment life insurance with the Lindley distribution.
Keywords: Full preliminary term reserve, premium sufficiency reserve, Lindley distribution, maximum likelihood estimator
Tidak tersedia versi lain