| Autor: |
Maulidi, Ikhsan, Oktavia, Rini, Bakri, Farah Amani, Apriliani, Vina |
| Předmět: |
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| Zdroj: |
AIP Conference Proceedings; 2023, Vol. 2975 Issue 1, p1-11, 11p |
| Abstrakt: |
Joint life insurance is an insurance policy that covers more than one insured where the premium is paid by the insured and the company must prepare a benefit reserve to pay benefits if one of the insured dies. In the payment of benefits, joint life insurance is divided into 3 types, namely term joint life insurance, pure endowment, and endowment. This study aims to determine premiums and benefits reserves and to analyze the comparison of benefits reserves for term joint life insurance, pure endowment, and endowment using a prospective method based on the Indonesian Mortality Table 2011. The results obtained are in the form of premiums and benefits reserves for term joint life insurance, pure endowment, and endowment. Furthermore, a comparison of the benefits reserves of the three types of joint life insurance is carried out by looking at how the curve represents each result. Based on the curve representation, it can be concluded that for term joint life insurance there are times when the company must prepare a benefit reserve that continues to increase and there is a time when the company prepares a benefit reserve that continues to decline until the last period when the company will not need to prepare a benefit reserve anymore. For pure endowment and endowment joint life insurance, the company must prepare a benefit reserve that continues to increase until the last period, when the company should prepare a benefit reserve that is equal to the number of benefits to be paid. [ABSTRACT FROM AUTHOR] |
| Databáze: |
Complementary Index |
| Externí odkaz: |
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