PENGHITUNGAN CADANGAN PREMI TAHUNAN PADA ASURANSI JIWA SEUMUR HIDUP DENGAN MENGGUNAKAN METODE FACKLER
DOI:
https://doi.org/10.25077/jmu.4.3.1-6.2015Abstract
Usaha perasuransian mempunyai beberapa kemungkinan resiko yang akan ditanggung oleh pihak perusahaan asuransi. Salah satu resikonya adalah klaim dari pihak pemegang polis atas kematian yang mengharuskan perusahaan membayarkan uang pertanggungan sesuai kontrak asuransi, dan resiko biaya-biaya yang diperlukan selama asuransi berlaku. Dengan adanya kemungkinan resiko tersebut, maka perusahaan asuransi membutuhkan dana cadangan untuk membayarkan uang pertanggungan dan memenuhi biaya-biaya tersebut. Penelitian ini bertujuan untuk menghitung cadangan premi tahunan pada asuransi jiwa seumur hidup. Adapun metode yang digunakan adalah metode Fackler yang merupakan metode untuk menghitung cadangan retrospektif. Dalam penelitian ini diberikan ilustrasi kasus. Langkah-langkahnya adalah dengan menghitung nilai anuitas awal, premi tunggal bersih, premi tahunan bersih, menghitung masing-masing biaya, menghitung besarnya premi kotor tahunan, dan menghitung besar cadangan premi di akhir tahun ke-t. Dengan menggunakan cadangan premi di akhir tahun ke-t maka dapat dihitung cadangan premi di akhir tahun ke-t + 1, sehingga besarnya cadangan premi tahunan asuransi jiwa seumur akan bertambah setiap tahunnya.
Kata Kunci: Anuitas, premi kotor, cadangan premi, cadangan retrospektif, metode Fackler
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