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All Journal Media Statistika Kubik Journal of Science and Applicative Technology Jurnal Cendekia : Jurnal Pendidikan Matematika Variance : Journal of Statistics and Its Applications KUBIK: Jurnal Publikasi Ilmiah Matematika Griya Journal of Mathematics Education and Application Binawan Student Journal Smart Society: Community Service and Empowerment Journal RENATA Jurnal Pengabdian Masyarakat Kita Semua JPMB Parahita Indonesian Journal of Applied Mathematics Jurnal KALANDRA TeknoKreatif: Jurnal Pengabdian kepada Masyarakat
Yulita, Tiara
Institut Teknologi Sumatera
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Journal : Indonesian Journal of Applied Mathematics

 1 
Perhitungan Cadangan Premi Asuransi Jiwa Berjangka dengan Menggunakan Metode Zillmer dan Fackler Sitorus, Kristiani; Yulita, Tiara; Lestari, Fuji
Indonesian Journal of Applied Mathematics Vol. 4 No. 2 (2024): Indonesian Journal of Applied Mathematics Vol. 4 No. 2 October Chapter
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM), Institut Teknologi Sumatera, Lampung Selatan, Lampung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35472/indojam.v4i2.1944

Abstract

Human life is never free from risk. Along with the development of the era, humans began to realize the importance of protecting themselves in the event of a risk, including the risk of death. To overcome this, many individuals transfer the risk by registering themselves or their families with life insurance. The life insurance that is focused on is term life insurance, which is a form of protection with a certain period of time that has been set. In order to run its operations properly, insurance companies need to prepare premium reserves with accurate calculations. These calculations can be done through two actuarial methods, namely prospective and retrospective methods. This study uses the Zillmer method (prospective) and the Fackler method (retrospective) for calculating premium reserves. The purpose of this study was to determine the analysis of the results of calculating the premium reserve value from the two methods. The premium reserve values ​​calculated using the Zillmer and Fackler methods were different. At an interest rate of 6.25%, the Fackler method produces a higher premium reserve compared to the Zillmer method. This difference is because the Zillmer method includes other costs such as acquisition costs, administration, and agent commissions in calculating premium reserves. In contrast, the Fackler method does not take these costs into account in its calculations.
Perhitungan Nilai Cadangan Premi Tahunan Asuransi Jiwa Dwiguna Menggunakan Metode New Jersey dan Fackler Yulita, Tiara
Indonesian Journal of Applied Mathematics Vol. 5 No. 1 (2025): Indonesian Journal of Applied Mathematics Vol. 5 No. 1 April Chapter
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM), Institut Teknologi Sumatera, Lampung Selatan, Lampung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35472/indojam.v5i1.2128

Abstract

Endowment life insurance is a type of life insurance that involves two types of benefits, namely the company will provide compensation if the insured remains alive at the end of the policy term or dies during the policy term. Premium reserves are the amount of funds that must be available to the insurance company as funds for preparing claim payments to the insured. The aim of this research is to calculate the annual premium reserve value in one of the assumed cases of Company XYZ with a coverage period of 35 years and a premium payment period of 20 years. Calculation of premium reserves can be done using a prospective and retrospective approach. The New Jersey method is included in one of the prospective premium reserve calculation methods which is an improvement and more effective than the Illinois method, with a minimum premium payment of 20 payments. The Fackler method is a calculation with a retrospective approach. The results of calculating premium reserves using the New Jersey and Fackler methods increase every year and have the same value. The results of these calculations show that the insurance company has sufficient funds to fulfill its obligations to the insured.
Co-Authors Abda Abda Adhitya Ronnie Effendie, Adhitya Ronnie Aditya Rahman Agus Irawan Agus Sofian Eka Hidayat Agus Sofian Eka Hidayat Alfian, Muhammad Nuril Andirasdini, Indah Gumala Aprilia, Inaya Sathrani Ayu Sofia Azzanina, Nanda Baiti, Putri Isnaini Cahyaning Berliana Ratam, Aldila Nur Indah Chaterine Theresia Lubis Dani Al Mahkya Dewi, Karina Sylfia Dila Tirta Julianty Divira Iga Firdianti Dwi Mahrani Fitriawati , Andi Fuji Lestari Gilang Primajati Gustina K. S, Annisa Hevita Hardi Suyitno Hidayat, Agus Sofian Eka Inayah, Larasati Nurul Irfan, Miftahul Irwan, Sri Efrinita Lailani, Ade Lestari, Yushinta Cahya Listiani, Amalia Madonna, Nora Maharani, Khairunnisa Manurung, Chintya Carissa Marisa . Mt, Ma’rufah Hayati Muthoharoh, Luluk Nasrullah Patricia, Mitha Rassiyanti, Linda Rivai, Muklas Rosni, Rosni Sasongko, Dharu Cahyoaji Simanjuntak, Erica Grace Siregar, Abian Avisena Sitorus, Kristiani Sugiman Sugiman Yuliana Yuliana