PENENTUAN PREMI ASURANSI JIWA DWIGUNA DENGAN HUKUM DE MOIVRE DAN HUKUM GOMPERTZ
DOI:
https://doi.org/10.25077/jmu.6.3.112-117.2017Abstract
Penelitian ini bertujuan untuk menentukan premi asuransi jiwa dwiguna. Premi yang akan ditentukan merupakan premi tahunan. Premi tahunan dipengaruhi oleh premi tunggal dan nilai tunai anuitas hidup awal. Perhitungan premi pada asuransi jiwa dwiguna disini menggunakan hukum De Moivre dan hukum Gompertz. Hukum De Moivre merupakan salah satu hukum mortalita yang diperoleh dari distribusi seragam (uniform). Hukum Gompertz berasal dari distribusi Gompertz dan dipengaruhi oleh konstanta Gompertz. Premi asuransi jiwa dwiguna yang diperoleh dengan menggunakan hukum De Moivre lebih kecil jika dibandingkan dengan premi asuransi jiwa dwiguna yang diperoleh dengan hukum Gompertz. Kata Kunci: Asuransi dwiguna, anuitas, premi, hukum De Moivre, hukum GompertzDownloads
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