PENENTUAN PREMI ASURANSI DWIGUNA BERJANGKA

Authors

  • Annisa Arinda Widianingrum Universitas Tanjungpura
  • Alifia Meidika Universitas Tanjungpura
  • Zella Syafira Universitas Tanjungpura
  • Tri Andri Gunawan Universitas Tanjungpura
  • Yuyun Eka Pratiwi Universitas Tanjungpura

Keywords:

Asuransi Jiwa Dwiguna, premi

Abstract

Term life insurance with double benefits is a type of life protection that provides covarage to the insured under two conditions, in the insured passes away within a specified term, or if the insured survives until the end of the insurance policy period. This type of insurance combines features of standard term life insurance and pure endowment insurance. The premium for this policy represents the cost determined by the insurance regulations to access the benefits. This research presents two case studies aimed at comparing premiums based on age. The first case involves a 45-year-old insured individual, while the second considers someone aged 50. The findings indicate that the younger the policyholder at the time of enrollment, the lower the premium tends to be. This is evident as the premium calculated for the first case is lower than that of the second case.

References

Wulandari, W. S., Satyahadewi, N., & Sulistianingsih, E. (2014). Premi Tunggal Bersih Untuk Kontrak Asuransi Jiwa Seumur Hidup. Buletin Ilmiah Mat. Stat. Dan Terapannya (Bimaster).

Anisa., & Sari, D. P. (2024). Penentuan Premi Bersih Tahunan Asuransi Jiwa Dwiguna Dengan Hukum De Moivre. Jurnal Ilmiah Matematika.

Fikri, A. J., et al. (2022). Perbandingan Perhitungan Premi Asuransi Jiwa Berjangka, Seumur Hidup, Dan Dwiguna Pada Kasus Laki-Laki Dan Perempuan. Jurnal Bayesian: Jurnal Ilmiah Statistika dan Ekonometrika.

Setiawati, D. P., Agustiani, F., & Marwati, R. (2019). Penentuan Premi Asuransi Jiwa Berjangka, Asuransi Tabungan Berjangka, Asuransi Dwiguna Berjangka Dengan Program Aplikasinya. Jurnal EurekaMatika.

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Published

2025-08-31

How to Cite

Annisa Arinda Widianingrum, Alifia Meidika, Zella Syafira, Tri Andri Gunawan, & Yuyun Eka Pratiwi. (2025). PENENTUAN PREMI ASURANSI DWIGUNA BERJANGKA. STATMAT : JURNAL STATISTIKA DAN MATEMATIKA, 7(2), 249–256. Retrieved from https://openjournal.unpam.ac.id/index.php/sm/article/view/49256

Issue

Vol. 7 No. 2 (2025)

Section

Articles

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Copyright (c) 2025 Annisa Arinda Widianingrum

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