PERHITUNGAN PREMI ASURANSI JIWA SEUMUR HIDUP, ASURANSI JIWA BERJANGKA, SERTA ASURANSI JIWA DWIGUNA TERHADAP TOLAK UKUR UMUR YANG PALING OPTIMAL UNTUK BERGABUNG ASURANSI JIWA

Mhd Ghazy Arkan (Universitas Negeri Medan)
Indah Cantika Balqis (Universitas Negeri Medan)
Muhammad Fakhrurrozy Siregar (Universitas Negeri Medan)
Indra Sembaya Timanta Barus (Universitas Negeri Medan)

Jurnal Bayesian : Jurnal Ilmiah Statistika dan Ekonometrika
Vol. 4 No. 1 (2024): Jurnal Bayesian : Jurnal Ilmiah Statistika dan Ekonometrika

Determining the optimal age to enter life insurance is a crucial decision that affects benefits and premiums. The study evaluated comparisons between term life insurance, whole life insurance, and dual-purpose life insurance to identify the most favorable lifespan for participants. Through the analysis of single premiums and co-benefits, the study provides insight into insurance options that suit individual needs at different stages of life. The results can guide policyholders in taking the right decisions related to life insurance, considering financial aspects and long-term benefits