PENENTUAN BESAR CADANGAN PADA ASURANSI JIWA BERSAMA DWIGUNA DENGAN MENGGUNAKAN METODE ILLINOIS

Authors

  • Ferdy Novri

DOI:

https://doi.org/10.25077/jmu.5.3.85-91.2016

Abstract

Abstrak. Asuransi jiwa merupakan suatu upaya yang dilakukan oleh manusia untuk
mengurangi dampak kerugian dari suatu peristiwa yang tidak dapat diprediksi. Asuransi
jiwa berdasarkan jumlah tertanggungnya dibedakan menjadi asuransi jiwa perorangan
yang memberikan perlindungan untuk satu orang dan asuransi jiwa bersama yang mem-
berikan perlindungan lebih dari satu orang. Pada saat tertentu perusahaan bisa saja men-
galami kerugian ketika terdapat tertanggung yang meninggal dunia tetapi perusahaan
tidak mempunyai dana, sedangkan perusahaan tersebut harus mengeluarkan sejumlah
dana untuk santunan. Oleh karena itu, untuk mengantisapasi kerugian perusahaan, maka
sebagian dari premi yang diterima oleh perusahaan harus dicadangkan sebagai cadangan
premi, sehingga bila dimasa yang akan datang terjadi klaim maka perusahaan tidak ke-
sulitan membayarnya. Penelitian ini bertujuan untuk menentukan besarnya cadangan
yang diperoleh dengan menggunakan metode Illinois yang merupakan perluasan dari
cadangan prospektif. Metode Illinois adalah metode perhitungan cadangan berdasarkan
premi yang disesuaikan dengan batasan 20 tahun pembayaran, sehingga besarnya ca-
dangan yang dihasilkan lebih besar daripada metode cadangan lainnya.

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Published

30-08-2016

Issue

Vol. 5 No. 3 (2016)

Section

Articles

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