<![CDATA[This article discusses Zillmer's reserves for endowment last survivor of life insurance. Zillmer reserves are a type of modification of premium reserves which are calculated using prospective reserves and the Zillmer rate. In Zillmer reserves, loading which is the difference between gross premium and net premium in the first policy year is greater than standard loading. In this article, the life insurance used is endowment last survivor of life insurance, where the reserve calculation for last survivor status is calculated for 3 cases, namely, both participants survive until the end of the policy, participant x survive but participant y died, and participant y survive but participant x died. So the purpose of this research is to find a way to make the loading value in 3 cases on the dwiguna last survivor of life insurance Zillmer reserves smaller. To achieve this goal, this article uses the Lomax distribution with the parameters estimated using maximum likelihood estimation and then determined by a Newton-Raphson iteration method. Based on the illustration, even though in the first policy year in cases where both participants survive until the end of the policy there was still a negative loading, overall Zillmer's reserves in each case continues to increase over time]]>
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