PENERAPAN HUKUM DE MOIVRE PADA PENENTUAN NILAI CADANGAN PREMI ASURANSI JIWA JOINT LIFE

  • RIZKA AULIA NOVALINDA Universitas Udayana
  • I NYOMAN WIDANA Universitas Udayana
  • KETUT JAYANEGARA Universitas Udayana

Abstract

Joint life insurance is a single policy that covers two lives. The benefit is paid out when the first person dies.  Insurance companies need to calculate and assign premiums and a policy value  in order to know. the expected  value of the future loss.  The study used the quantitative data of mortality for men and women obtained from the Indonesian Mortality Table (TMI) 2011. Data analysis techniques use the New Jersey method of prospects and a legal approach of mortality that is De Moivre’s law. The purpose of this study is to determine policy value on joint life insurance that applies to De Moivre's laws and compare policy value on joint life insurance that applies De Moivre's laws and without the application of De Moivre's laws. Research shows that joint life insurance policy value with New Jersey methods of prospective and application of De Moivre's law always come into value smaller than those without an application of De Moivre's law, but at the end of period both are worth the same according to the value of their benefits.

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Author Biographies

RIZKA AULIA NOVALINDA, Universitas Udayana

Program Studi Matematika, Fakultas MIPA? Universitas Udayana

I NYOMAN WIDANA, Universitas Udayana

Program Studi Matematika, Fakultas MIPA? Universitas Udayana

KETUT JAYANEGARA, Universitas Udayana

Program Studi Matematika, Fakultas MIPA? Universitas Udayana

Published
2022-01-31
How to Cite
NOVALINDA, RIZKA AULIA; WIDANA, I NYOMAN; JAYANEGARA, KETUT. PENERAPAN HUKUM DE MOIVRE PADA PENENTUAN NILAI CADANGAN PREMI ASURANSI JIWA JOINT LIFE. E-Jurnal Matematika, [S.l.], v. 11, n. 1, p. 16-22, jan. 2022. ISSN 2303-1751. Available at: <https://ojs.unud.ac.id/index.php/mtk/article/view/83424>. Date accessed: 10 oct. 2024. doi: https://doi.org/10.24843/MTK.2022.v11.i01.p355.
Section
Articles

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