PENENTUAN PREMI TA HUNAN UNTUK POLIS ASURANSI JIWA BERSAMA LAST SURVIVOR

Authors

  • Khairani .

DOI:

https://doi.org/10.25077/jmu.3.2.62–71.2014

Abstract

Asuransi jiwa bersama adalah suatu perjanjian asuransi yang berhubungan
dengan suatu keadaan dimana antara hidup dan matinya seseorang merupakan gabungan
dari dua peserta asuransi atau lebih, misalnya suami dan istri, atau orang tua dan anak.
Salah satu jenis asuransi jiwa bersama adalah asuransi jiwa last survivor, yaitu asuransi
jiwa bersama dari dua orang atau lebih peserta asuransi dengan premi dibayarkan sampai
kematian terakhir dari pesertanya. Besarnya uang pertanggungan dibayarkan kepada
ahli waris tertanggung apabila semua tertanggung meninggal dunia. Berdasarkan jangka
waktu perlindungannya, asuransi jiwa bersama last survivor dibagi menjadi empat jenis,
yaitu asuransi jiwa bersama last survivor seumur hidup, asuransi jiwa bersama last
survivor berjangka, asuransi jiwa bersama last survivor dwiguna murni dan asuransi
jiwa bersama last survivor dwiguna. Perhitungan premi tahunan asuransi jiwa bersama
last survivor diselesaikan dengan menentukan terlebih dahulu nilai tunai anuitas dan
premi tunggalnya.

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Published

01-06-2016

Issue

Vol. 3 No. 2 (2014)

Section

Articles

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