CD Skripsi
Cadangan premi asuransi jiwa dwiguna dengan distribusi fre´chet menggunakan metode fackler
Uncertainty about the future is a natural part of life, encompassing both joys and sorrows, including the unavoidable risks of illness and death. To manage these risks, life insurance serves as a form of financial protection, one of which is thru dual-purpose life insurance products that combine protection and savings benefits. Insurance companies need to provide premium reserves to guaranty future claim payment obligations. This study aims to determine the reserve premium for dual-purpose life insurance using the Fr´echet distribution thru the Fackler method, and then compare it with the reserve premium based on the Indonesian Mortality Table (TMI) 2019 using the same method. The results of the study show that the amount of the reserve premium for dual-purpose life insurance using the Fackler method with the Fr´echet distribution and the Indonesian Mortality Table (TMI) 2019 continues to increase each year. In addi- tion, the Fr´echet distribution yields a higher reserve compared to the Indonesian Mortality Table (TMI) 2019.
Keywords: Endowment life insurance, premium reserves, Fr´echet distribution, Fackler method
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