PERHITUNGAN PREMI TAHUNAN UNTUK ASURANSI JIWA ENDOWMENT JOINT LIFE DENGAN SUKU BUNGA STOKASTIK
DOI:
https://doi.org/10.24252/msa.v7i1.7617Abstract
Penelitian ini membahas perhitungan premi tahunan untuk asuransi jiwa endowment joint life dengan suku bungan stokastik. Asuransi jiwa endowment joint life merupakan jenis asuransi jiwa yang dapat menanggung dua atau lebih tertanggung dalam satu kontrak atau polis asuransi dengan pembayaran manfaat/santunan kepada ahli waris apabila salah satu dari tertanggung meninggal dunia atau manfaat dibayarkan apabila tertanggung masih hidup sampai masa kontrak asuransi berakhir. Dalam artikel ini bertujuan untuk menghitung premi tahunan dari asuransi jiwa Endowment joint life dengan suku bunga stokastik yang mengikuti model Cox Ingersoll Ros (CIR). Berdasarkan hasil analisis, diperoleh besarnya premi tahunan untuk asuransi jiwa dwiguna berjangka (endowment) joint life dengan suku bunga stokastik untuk usia 27 dan 25 tahun rata-rata sebesar Rp 16.929.953 per tahun, sedangkan usia 38 dan 36 tahun diperoleh premi tahunan yaitu rata-rata sebesar Rp 16.879.788 per tahun, dan untuk usia 42 dan 40 tahun rata-rata sebesar Rp 16.778.84 per tahunReferences
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[4] Salim, Abbas. 2007 “Asuransi & Manajemen Resiko”. Jakarta: Raja Grafindo Persada, h.25
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[7] Cox, See J. C., J. E. Ingersoll, and S. A. Ross.1985. “A Theory of the Term Structure of Interest Rates” .Econometrica, 53, h.385-407
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