PENERAPAN MODEL VASICEK PADA PREMI BERSIH ASURANSI JIWA DWIGUNA (ENDOWMENT)

FREDIANAS HENDRIYANTO, NIM. 12610001 (2018) PENERAPAN MODEL VASICEK PADA PREMI BERSIH ASURANSI JIWA DWIGUNA (ENDOWMENT). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Insurance is treaty or agreement of persons to get financial difficulties and the risk if there is a case of natural disasters in their members. On insurance there are some kind of life insurance, the one of insurance is dwiguna (endowment). Dwiguna life insurance is when the insured person dies prior to the period of protection ended, the heirs of the insured will receive compensation, when the insured are still in a period of time has been agreed upon the insured will received compensation. This research is discussed with the model of Vasicek the net premium dwiguna insurance (endowment). A model of Vasicek are be able to describe the fluctuations of the movement of the rate interested. The rates fickle used to know the value in life insurance of dwiguna. The result of this research showed that the price of the rates Vasicek model to age of 25 years old is Rp. 3.751.534 , to the age of 30 years old is Rp. 3.757.055, and to the age 35 years old is Rp. 3.760.565. The price increase the premium more compared with the use of the net interest rates constant. That is happened because the value of interest rates model of vasicek lower than the rate interest.

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