CD Skripsi
Cadangan zillmer asuransi jiwa last survivor dwiguna menggunakan distribusi rayleigh
Life insurance companies provide protection to address risks that may occur to life insurance participants. Companies need to prepare reserve costs to address these risks. These reserve costs are used to cover the needs of the insurance company and the insurance participants. These reserve are obtained from pre- miums paid by insurance participants and are used to cover the needs of the insurance company and the insurance participants. The purpose of this study is to determine the amount of Zillmer reserves for endowment life insurance last survivor for insurance participants aged x years and y years using the Ray- leigh distribution. The parameters of the Rayleigh distribution are estimated using the moment method. In this study, calculations were performed using Maple 13 software. The solution to the problem is obtained by determining the initial term life annuity, single premium, annual premium, then obtaining the Zillmer reserve formula based on the Rayleigh distribution. The results of the calculation of Zillmer reserve for endowment life insurance last survivor show that based on the Rayleigh distribution, it is greater than the Zillmer reserve for endowment life insurance last survivor using the 2019 Indonesian Mortality Table.
Keywords: Zillmer reserve, endowment life insurance, last survivor, Rayleigh distribution, method of moments
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