PERBANDINGAN METODE ZILLMER DAN ILLINOIS DALAM PERHITUNGAN CADANGAN PREMI ASURANSI JIWA DWIGUNA DENGAN STATUS JOINT LIFE BERDASARKAN VARIASI SUKU BUNGA

LEILA AULIA YASMIN, . (2026) PERBANDINGAN METODE ZILLMER DAN ILLINOIS DALAM PERHITUNGAN CADANGAN PREMI ASURANSI JIWA DWIGUNA DENGAN STATUS JOINT LIFE BERDASARKAN VARIASI SUKU BUNGA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Perhitungan cadangan premi berperan penting dalam menjaga kemampuan perusahaan asuransi memenuhi kewajiban kepada pemegang polis, khususnya pada kondisi tingkat suku bunga yang berfluktuasi. Penelitian ini bertujuan membandingkan metode Zillmer dan metode Illinois dalam perhitungan cadangan premi asuransi jiwa dwiguna dengan status joint life berdasarkan variasi tingkat suku bunga. Metode yang digunakan adalah pendekatan deskriptif-komparatif kuantitatif melalui perhitungan aktuaria matematis dengan data mortalitas Tabel Mortalitas Indonesia IV dan asumsi independensi antar tertanggung. Hasil penelitian menunjukkan bahwa metode Zillmer menghasilkan cadangan premi yang lebih rendah pada awal masa pertanggungan dan lebih sensitif terhadap perubahan suku bunga, sedangkan metode Illinois menghasilkan cadangan yang lebih stabil dan relatif lebih tinggi, sehingga lebih sesuai untuk menjaga kestabilan cadangan premi asuransi jiwa dwiguna joint life. Kata kunci. Asuransi Jiwa Dwiguna, Cadangan Premi, Joint Life, Metode Illinois, Metode Zillmer. ***** LEILA AULIA YASMIN. Comparison of the Zillmer and Illinois Methods in Calculating Premium Reserves for Endowment Life Insurance with Joint Life Status Based on Interest Rate Variations. Thesis. Faculty of Mathematics and Sciences. Universitas Negeri Jakarta. 2026. Premium reserve calculation plays a crucial role in ensuring an insurance company’s ability to meet policyholder obligations, particularly under fluctuating interest rate conditions. This study aims to compare the Zillmer and Illinois methods in calculating premium reserves for joint life endowment insurance under varying interest rates. A kuantitative descriptive-comparative approach is applied using actuarial mathematical calculations, with mortality data based on the Indonesian Mortality Table IV and the assumption of independence between insured lives. The results indicate that the Zillmer method produces lower reserves at the early policy duration and is more sensitive to interest rate changes, whereas the Illinois method yields more stable and relatively higher reserves, making it more suitable for maintaining reserve stability in joint life endowment insurance. Keywords. Endowment Life Insurance, Illinois Method, Joint Life, Premium Reserves, Zillmer Method.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Drs. Sudarwanto, M.Si., DEA. ; 2). Ibnu Hadi, M.Si.
Subjects:	Sains > Matematika
Divisions:	FMIPA > S1 Matematika
Depositing User:	Leila Aulia Yasmin .
Date Deposited:	04 Feb 2026 06:37
Last Modified:	04 Feb 2026 06:37
URI:	http://repository.unj.ac.id/id/eprint/64680

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