Premi Asuransi Jiwa Joint Life dan Last Survivor dengan Asumsi Balducci

Talenta Conference Series: Science and Technology (ST) Pub Date : 2019-06-30 DOI:10.32734/st.v2i2.480

H. Hasriati, Putri Rikawati

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Abstract

Makalah ini membahas premi asuransi jiwa joint life dan last survivor dwiguna dengan peluang hidup menggunakan asumsi Balducci. Dalam hal ini peserta asuransi dibatasi hanya untuk dua orang yang berusia x dan y tahun dengan nilai tunai anuitas hidup awal yang menggunakan peluang hidup asumsi Balducci. Dalam asuransi jiwa last survivor perhitungan preminya berkaitan dengan asuransi jiwa perorangan dan asuransi jiwa joint life. Premi tahunan asuransi jiwa last survivor diperoleh dengan menentukan nilai tunai anuitas hidup dan premi tunggalnya. This article discusses the premium of endowment of life insurance of joint life and the last survivor status with life appourtunity using Balducci assumptions. In this article, insurance clients are limited to only two persons who are x and y years old with the premium paid until the last death of the insurance clients. In life insurance of the last survivor the premium is determined by associated with individual life insurance and life insurance joint life. The annual premium of life insurance of the last survivor is obtained by determining the present value of annuity and single premium.

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假设Balducci的人寿保险费和最后的幸存者保险费

在此，我们将为您提供终身共同寿险和最后生存者寿险，以确保您的健康。在此期间，保险期限为 x 年和 y 年，而 Balducci 将不提供任何保险。最后一名幸存者的死亡预示着共同生活和共同生活的死亡。最后生还者保险的保费与保险金额成正比。本文利用巴尔杜奇假设，讨论了联合人寿保险的捐赠保费和最后幸存者的人寿保险地位。在本文中，保险客户仅限于 x 岁和 y 岁的两个人，保费一直支付到保险客户最后一次死亡。在最后一位生存者的人寿保险中，保费是根据个人人寿保险和共同人寿保险的相关情况确定的。最后生存者人寿保险的年保费是通过确定年金现值和单一保费得出的。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Talenta Conference Series: Science and Technology (ST)

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