ANALISIS CADANGAN PREMI ASURANSI JIWA DWIGUNA SEMIKONTINU DENGAN MENGGUNAKAN METODE ILLINOIS

Authors

  • HANDIKA WAHYU VIKRANTHA
  • DODI DEVIANTO
  • IZZATI RAHMI HG

DOI:

https://doi.org/10.25077/jmu.8.3.31-38.2019

Abstract

Asuransi jiwa dwiguna merupakan asuransi jiwa yang memiliki dua manfaat, yaitu sebagai proteksi jiwa dan juga sebagai tabungan. Santunan akan diberikan jika si tertanggung meninggal dalam jangka waktu pertanggungan ataupun hidup hingga akhir jangka waktu pertanggungan. Perhitungan asuransi jiwa terbagi atas dua yaitu secara diskrit dan kontinu. Perhitungan asuransi jiwa dwiguna semikontinu merupakan perhitungan asuransi jiwa dwiguna kontinu dengan menggunakan anuitas diskrit. Dalam perhitungan asuransi jiwa, perlu ditetapkan besar cadangan yang tepat. Apabila perhitungan yang dilakukan tidak tepat maka akan menyebabkan suatu kerugian bahkan kebangkrutan bagi perusahaan asuransi. Berdasarkan perhitungannya, cadangan dapat dihitung dengan dua metode yaitu metode prospektif dan retrospektif. Namun seringkali perhitungan cadangan dengan metode prospektif masih kurang tepat, sehingga selanjutnya digunakan metode modifikasi cadangan untuk mendapatkan nilai cadangan yang lebih sesuai. Salah satu metode modifikasi tersebut adalah metode Illinois. Pada penelitian ini terlihat perhitungan cadangan asuransi jiwa dwiguna semikontinu dengan metode Illinois memberikan besar cadangan yang cenderung lebih kecil daripada metode prospektif. Hal ini disebabkan perhitungan dengan metode Illinois turut mempertimbangkan pengeluaran-pengeluaran di awal tahun pertanggungan, sedangkan perhitungan dengan metode prospektif hanya berdasarkan premi kotor saja.

Kata Kunci: Asuransi jiwa dwiguna semikontinu, Cadangan, Metode Illinois

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Published

13-12-2019

Issue

Vol. 8 No. 3 (2019)

Section

Articles

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