INTRODUCTION
No study of life insurance would be complete without an examination of the mathematics used in calculating the insurance premium. Mathematics allows the
accurate calculation of life insurance premiums and provides the foundation for the life insurance transaction. The amount of the premium, the contractual obligations, the investment return, the mortality experience, expenses, and taxes all shape and mold the balance sheet and income statements of life insurance companies. The background material and the method for calculating the net single premium will be presented in this chapter. The net single premium is the one-time charge the insurance company requires the policyholder to pay in order to fulfill the promise specified in the contract. The premium is referred to as net because it assumes payment is only for mortality costs. No expenses of providing the insurance contract (such as taxes, overhead, and additions to surplus) are included. Single denotes that the premium will be paid only once. The policyowner need not pay another premium, and the insurer will remain obligated to pay all benefits.
PENDAHULUAN
Tidak akan lengkap pelajaran tentang asuransi jiwa tanpa mempelajari matematika yang digunakan untuk menghitung premi asuransi. Matematika membuat perhitungan dari premi asuransi jiwa dan menyediakan pondasi dari transaksi pada asuransi jiwa. Jumlah premi, pengembalian investasi dan pengalaman mortalita, biaya, pajak. Dasar-dasar metode perhitungan dari Premi Sekaligus akan dibahas pada bagian ini. Premi sekaligus inilah yang akan ditagih Perusahaan Asuransi kepada Calon Pemegang Polis. Pada Premi Netto Sekaligus ini belum diperhitungkan seperti Pajak, Biaya Operasional dll)
The Net Single Premium
Knowing how to calculate the net single premium is the first step in understanding the mathematics of life insurance. In subsequent chapters additional
mathematical topics will be developed. The topics include:
– calculating a level amount of premium to be paid each period (the level premium);
– policy reserve values (a balance sheet liability); and
– the gross premium (the premium that includes taxes, overhead, and additions to
surplus).
Premi Netto Sekaligus
Mengetahui cara perhitungan dari Premi Sekaligus ini adalah langkah awal untuk mengerti Matematika Asuransi Jiwa yang dibahas pada bagian ini yaitu :
- Menghitung Premi yang akan dibayarkan pada periode tertentu
- Cadangan Polis
- Premi Brutto
Bersambung
To Be Continued
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