MENENTUKAN FORMULASI ASURANSI JIWA DWIGUNA MENGGUNAKAN HUKUM HELIGMAN-POLLARD DENGAN KASUS MULTIPLE LIFE

Wanari Intan Dwi Putri (Mathematics Department Universitas Negeri Padang)
Muhammad Subhan (Mathematics Department Universitas Negeri Padang)
Dewi Murni (Mathematics Department Universitas Negeri Padang)

Journal of Mathematics UNP
Vol 3, No 1 (2018): Journal Of Mathematics UNP

Abstract – One of the problems that can happen to the insurance company is the inability of the company to pay compensation to the insurance participants in the event of a claim. For that, it takes a formulation of premium calculation so that the premium value can be calculated properly. Calculation of net premium using Heligman-Pollard law. The calculation of premiums by using Heligman-Pollard law begins with creating mortalitaas tables, making the cash value of dual-purpose annuity insurance with dependents for n years, calculating net periodic premiums on dual life insurance with multiple life cases, calculating annual net premiums on dual-life insurance with multiple cases life. By using this Heligman-Pollard law, insurance premiums will be grouped into 3 age groups on the new mortality table.