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All Journal Pythagoras: Jurnal Matematika dan Pendidikan Matematika Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Jurnal Pendidikan Matematika RAFA Journal of Natural Sciences and Mathematics Research Phenomenon : Jurnal Pendidikan MIPA Edu Sains: Jurnal Pendidikan Sains dan Matematika Sinkron : Jurnal dan Penelitian Teknik Informatika BAREKENG: Jurnal Ilmu Matematika dan Terapan Unisda Journal of Mathematics and Computer Science (UJMC) JTAM (Jurnal Teori dan Aplikasi Matematika) Jambura Journal of Mathematics Delta: Jurnal Ilmiah Pendidikan Matematika Jurnal Informatika dan Rekayasa Perangkat Lunak Square : Journal of Mathematics and Mathematics Education Euler : Jurnal Ilmiah Matematika, Sains dan Teknologi Journal of Multidisciplinary Applied Natural Science Journal of Mathematics: Theory and Applications Edumatica: Jurnal Pendidikan Matematika Journal Focus Action of Research Mathematic (Factor M) Indonesian Journal of Statistics and Its Applications
Emy Siswanah
Universitas Islam Negeri Walisongo Semarang
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Energy Engineering Environmental Science Immunology & microbiology Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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Journal : Unisda Journal of Mathematics and Computer Science (UJMC)

 1 
Penentuan Premi Tahunan Dan Cadangan Manfaat Asuransi Jiwa Dwiguna Murni pada Status Last Survivor dengan Tiga Orang Tertanggung Fika Riza Syifamillah; Emy Siswanah; Seftina Diyah Miasary
UJMC (Unisda Journal of Mathematics and Computer Science) Vol 8 No 2 (2022): Unisda Journal of Mathematics and Computer science
Publisher : Mathematics Department, Faculty of Mathematics and Sciences Unisda Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/ujmc.v8i2.3693

Abstract

Last-survivor life insurance is life insurance with more than one life (multiple life) in which premium payments end when the policyholder dies for the last time. Last-survivor status can be applied to various types of insurance, including pure endowment life insurance. Pure endowment life insurance is insurance that provides a death benefit if the insured is still alive within the agreed timeframe. Furthermore, two costs that insurance companies must consider are the amount of premiums and benefit reserves. The premium is the amount of money paid by the insurer to the insurer for their participation in the insurance, while the benefit reserve is the amount of funds that the insurance company needs to prepare to pay losses to the participant during the coverage period. The purpose of this study is to calculate the annual premiums and reserves for pure endowment life insurance benefits based on last survivor status for three insured people. Based on the results of calculating the benefit reserve using the prospective method, the older the insurance member, the lower (smaller) the chance of survival. That is, the greater the likelihood that the three members will die before the insurance contract expires, the less likely the insurance company will pay the sum insured. This causes the premium to be paid to be smaller. The value of the benefit reserve from the initial year of insurance to the end of the insurance contract period, which is the 25th year, is getting smaller every year.
Penentuan Premi Tahunan Dan Cadangan Premi Dengan Metode New Jersey Asuransi Endowment Status Joint Life Menggunakan Suku Bunga Stokastik Miasary, Seftina Diyah; Umami, Riza Lathifatul; Siswanah, Emy
UJMC (Unisda Journal of Mathematics and Computer Science) Vol 9 No 2 (2023): Unisda Journal of Mathematics and Computer science
Publisher : Mathematics Department, Faculty of Mathematics and Sciences Unisda Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/ujmc.v9i2.5953

Abstract

Joint life endowment status insurance is insurance that pays out if the participant dies during the policy participant's first death or survives until the conclusion of the insurance period. The purpose of this study is to calculate the amount of joint life endowment status life insurance premium reserves using the New Jersey technique in the CIR model with stochastic interest rates. The CIR model's stochastic interest rate value based on Bank Indonesia interest rates from 2018 to 2022 is 0,075. According to the calculations, the resulting annual premium is lower since the number of individuals who survive is greater than the number of persons who die over the insurance period. Furthermore, the size of the New Jersey premium reserve is zero in the first year and becomes closer to the compensation value as the insurance period proceeds.
Co-Authors Abdurakhman Abdurakhman Ahmad Aunur Rohman Ahmad Aunur Rohman Ahmad Mutawaslih Idrus Anggraini, Agustina Di Asih I Maruddani Dwi Noviyanti Dyan Falasifa Tsani Dyan Falasifa Tsani Fara Lukita Umul Amaliah Fika Riza Syifamillah Fitriani, Ulliya Furqon, Syifa'ul Izzatul Yazidah, Izzatul Linda Nur Chabibah Lulu Choirun Nisa M. Ismail M. Ismail Maulida, Via Minhayati Saleh Muhammad Malik Hakim Muhammad Malik Hakim, Muhammad Malik Mukharomah, Rizanatul Multiningsih, Multiningsih Nabila Wafa’, Jihan Nisa, Eva Khoirun Rohman, Ahmad Aunur Rosidah, Zakiyatur Seftina Diyah Miasary Siti Maslihah Sulis Azizahroh Mahmudah Syifa'ul Furqon Tafrikan, Mohamad Tauki Rohman Muzaki Tri Yuliyanti Tri Yuliyanti Tsani, Dyan Falasifa Ulna, Jihan Ramadhani Ar-Raafi’ Umami, Riza Lathifatul Via Maulida Yustisio, Dheva