Perhitungan Premi Tunggal Bersih Asuransi Jiwa Seumur Hidup Dengan Variasi Usia Dan Tingkat Suku Bunga
DOI:
https://doi.org/10.30605/proximal.v9i1.8250Keywords:
Premi tunggal bersih, asuransi jiwa seumur hidup, tingkat suku bunga, usia masuk, analisis sensitivitasAbstract
Penelitian ini bertujuan untuk menghitung dan menganalisis sensitivitas premi tunggal bersih pada asuransi jiwa seumur hidup terhadap variasi usia masuk dan tingkat suku bunga. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan simulasi Aktuaria, yakni perhitungan premi dilakukan berdasarkan prinsip ekivalensi dengan menyamakan nilai kini premi dan nilai kini manfaat asuransi. Data yang digunakan adalah data sekunder dari Tabel Mortalita Indonesia (TMI) IV 2019. Analisis dilakukan pada usia 35, 40, dan 50 tahun dengan tingkat suku bunga 3,5%, 5%, dan 6% serta uang pertanggungan tetap sebesar Rp100.000.000. Selanjutnya, dilakukan analisis sensitivitas untuk melihat pengaruh perubahan usia masuk dan tingkat suku bunga terhadap nilai premi. Hasil penelitian menunjukkan bahwa premi tunggal bersih meningkat seiring bertambahnya usia masuk tertanggung dan menurun seiring meningkatnya suku bunga. Selain itu, perubahan suku bunga memberikan pengaruh yang lebih besar terhadap premi dibandingkan usia masuk. Penelitian ini menunjukkan bahwa usia masuk dan tingkat suku bunga berpengaruh signifikan terhadap penentuan premi tunggal bersih asuransi jiwa seumur hidup.
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