CD Skripsi
Cadangan Zillmer Asuransi Jiwa Last Survivor Dwiguna Menggunakan Distribusi Lindley
Every insurance policyholder is required to pay premiums to the insurance com- pany during the payment period. To fulfill the payment of the insured amount to policyholders, the insurance company must prepare reserve funds. These re- serves are used to fulfill the operational needs of the insurance company and to pay claims in the case of the policyholder’s death. This study aims to determine the Zillmer reserve for endowment last survivor life insurance for participants aged x years and y years using the Lindley distribution. The parameter in the Lindley distribution is estimated using maximum likelihood estimation method. In this project, calculations are performed using Maple 13 software. The reso- lution of the problem is achieved by determining the term certain life annuity, single premium, and annual premium, which subsequently produced the Zillmer reserve formula based on the Lindley distribution. The results obtained indi- cate that the Zillmer reserves for endowment last survivor life insurance based on the 2019 Indonesian Mortality Table are higher than the Zillmer reserve for endowment last survivor life insurance using the Lindley distribution.
Keywords: Zillmer reserve, endowment last survivor life insurance, Lindley distribution, maximum likelihood method
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