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All Journal Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan
Aulia Kusuma Putri
Program Studi Statistika, Fakultas Matematika dan Ilmu Pengetahuan Alam, Universitas Negeri Medan, Jalan William Iskandar Ps. V, Deli Serdang, Sumatera Utara 20221, Indonesia
Biochemistry, Genetics & Molecular Biology Chemistry Education Environmental Science Immunology & microbiology Mathematics Physics Social Sciences

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Analisis Sensitivitas Cadangan Prospektif Asuransi Jiwa Seumur Hidup terhadap Fluktuasi BI-Rate Berdasarkan Tabel Mortalitas Indonesia IV Meisyy Laisa Usrini Deswan; Hafizha Zahra; Aulia Kusuma Putri
Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan Vol. 6 No. 2 (2026): April
Publisher : Lembaga Pendidikan, Penelitian, dan Pengabdian Kamandanu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/panthera.v6i2.1270

Abstract

This study aims to analyze the sensitivity of prospective reserves for whole life insurance to BI-Rate fluctuations based on the Indonesian Mortality Table (TMI) IV. The method used is quantitative, using secondary data in the form of a male population in TMI IV, assuming a certain entry age, a fixed sum insured, and a fixed annual premium. Three constant interest rate scenarios are applied: pessimistic, normal, and optimistic. Prospective reserves are calculated using the gross premium valuation method using commutation symbols. The results show that a decrease in interest rates significantly increases reserves, especially at the middle of the policy life, and results in a positive initial reserve indicating an immediate liability burden. Conversely, an increase in interest rates depresses reserves to a negative value, reflecting a capital surplus. The conclusion of this study is that BI-Rate fluctuations significantly impact the solvency of life insurance companies, necessitating a dynamic asset-liability matching strategy.
Co-Authors Hafizha Zahra Meisyy Laisa Usrini Deswan