<![CDATA[Each insurance participant pays a premium to the insurance company during the coverage period. In paying the sum insured to insurance participants, insurance companies need to prepare reserve costs. This reserve fee is used to pay for the needs of insurance companies and insurance participants. This research explains the calculation of premium sufficiency reserve for joint life insurance for life insurance participants aged x years and y years with Laplace distribution. The parameters of the Laplace distribution are estimated using the method of momen and the method of maximum likelihood. The solution of the problem is obtained by determining the initial life annuity term, single premium, and annual premium so that the premium sufficiency reserve formula based on Laplace distribution is obtained. The results of the calculation of premium sufficiency reserves of joint life insurance using Laplace distribution are more less the same as the prospective reserves of joint life insurance using Laplace distribution.]]>
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