?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PERHITUNGAN+NILAI+CADANGAN+ASURANSI+JIWA+SEUMUR+HIDUP+DENGAN+METODE+ZILLMER+DAN+FACKLER&rft.creator=Retno+Safitri%2C+1317031069&rft.subject=Q+Science+(General)&rft.subject=QA+Mathematics&rft.description=Nasabah+(tertanggung)+yang+sudah+sepakat+dengan+perjanjian+tertulis+(polis+asuransi)+untuk+berasuransi+di+perusahaan+asuransi+harus+membayarkan+premi.+Biaya+yang+dibayarkan+melalui+premi+tidak+akan+cukup+untuk+membiayai+pengeluaran+perusahaan+asuransi.+Oleh+karena+itu%2C+perusahaan+asuransi+harus+menyiapkan+dana+cadangan+yang+perlu+disesuaikan%2C+hal+ini+memungkinkan+perusahaan+asuransi+mendapatkan+sumber+dana+baru+untuk+menutupi+biaya+tahun-tahun+berikutnya+dan+mengantisipasi+klaim+yang+akan+terjadi+pada+saat+nasabah+meninggal+dunia.+Nilai+cadangan+asuransi+dapat+dihitung+dengan+cara+prospektif+dan+retrospektif.+Perhitungan+cadangan+pada+penelitian+ini+menggunakan+metode+Zillmer+dan+metode+Fackler+pada+produk+Asuransi+Jiwa+Seumur+Hidup.+Perhitungan+metode+Zillmer+ini+sangat+diperlukan+untuk+memperhitungkan+cadangan+premi+kotor+yang+dibayarkan+tiap+periodenya+dengan+perhitungan+yang+sama.+Semetara+itu%2C+perhitungan+metode+Fackler+digunakan+dalam+memperhitungkan+cadangan+premi+bersih+yang+belum+dijumlahkan+dengan+biaya+operasional+lainnya+untuk+beberapa+tahun+kedepan+secara+berurutan.+Dari+hasil+perhitungan+diperoleh+bahwa+cadangan+Zillmer+memiliki+nilai+yang+lebih+kecil+dari+cadangan+Fackler.+Semakin+kecil+nilai+cadangan+maka+semakin+sedikit+biaya+kewajiban+yang+dikeluarkan+pihak+perusahaan+asuransi+untuk+membayarkan+klaim+kepada+nasabah+(pemegang+polis)%2C+karena+cadangan+merupakan+liabilitas+atau+kewajiban.+Sehingga+cadangan+Zillmer+lebih+baik+digunakan+oleh+perusahaan+asuransi+dari+pada+cadangan+Fackler.+%0D%0A%0D%0AKata+kunci%3A+Premi%2C+Cadangan+Prospektif%2C+Cadangan+Retrospektif%2C+Metode+Zillmer%2C+Metode+Fackler%0D%0A%0D%0A%0D%0A%0D%0A%0D%0Aabstract%0D%0A%0D%0AThe+insured+who+was+agreed+with+the+written+agreement+(insurance+policy)+for+using+product+in+the+insurance+company+must+pay+the+premium.+The+fee+is+through+premium+will+not+be+sufficient+to+fund+company+expenses.+Therefore%2C+the+insurance+company+must+prepare+reserve+fund+which+needs+to+be+adjusted%2C+this+is+possible+to+get+new+funding+source+to+cover+the+fee+of+the+following+years+and+anticipate+claim+that+will+occur+when+the+insured+dies.+The+insurance+reserves+can+be+calculated+in+prospective+and+retrospective+ways.+In+this+study%2C+the+calculation+of+reserves+using+Zillmer+and+Fackler+methods+in+insurance+product.+In+Zillmer+method%2C+it+is+needed+to+calculate+gross+premium+reserves+which+paid+each+period+with+the+same+calculation.+Meanwhile%2C+Fackler+method+is+used+in+calculating+net+premium+reserves+have+not+been+summed+to+other+operating+cost+for+the+next+years+in+sequence.+From+the+results+obtained+that+Zillmer+reserves+have+a+smaller+value+than+Fackler.+The+smaller+reserve+value%2C+the+less+obligation+cost+must+be+paid+by+the+company+for+the+insured+to+claim%2C+because+the+reserves+are+liability+or+obligation.+So%2C+Zillmer%E2%80%99s+reserves+are+better+for+insurance+companies+that+Fackler%E2%80%99s+reserves.%0D%0A%0D%0AKeywords+%3A+Premium%2C+Prospective+reserves%2C+Retrospective+reserves%2C+Zillmer+method%2C+Fackler+method&rft.publisher=UNIVERSITAS+LAMPUNG&rft.date=2017-08-15&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F28622%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F28622%2F16%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F28622%2F15%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++Retno+Safitri%2C+1317031069++(2017)+PERHITUNGAN+NILAI+CADANGAN+ASURANSI+JIWA+SEUMUR+HIDUP+DENGAN+METODE+ZILLMER+DAN+FACKLER.++UNIVERSITAS+LAMPUNG%2C+FAKULTAS+MATEMATIKA+DAN+ILMU+PENGETAHUAN+ALAM+.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F28622%2F