%0 Thesis
%9 Skripsi
%A Sinta Miftakhul Rohmah, NIM.: 22106010041
%B FAKULTAS SAINS DAN TEKNOLOGI
%D 2026
%F digilib:75889
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Asuransi Jiwa Seumur Hidup, Cadangan Premi, Metode Canadian, Tabel Mortalitas, Usia Produktif
%P 117
%T PERHITUNGAN CADANGAN PREMI ASURANSI JIWA SEUMUR HIDUP MENGGUNAKAN METODE CANADIAN BERDASARKAN PADA USIA PRODUKTIF DENGAN MENGGUNAKAN PYTHON
%U https://digilib.uin-suka.ac.id/id/eprint/75889/
%X Premium reserve calculations play an important role in maintaining the financial  stability of insurance companies, especially in whole life insurance. Inaccurate  premium reserve calculations result in reserve values that do not reflect  actual liabilities, thereby potentially increasing the risk of default. One method  used in premium reserve calculations is the Canadian method, a method of calculating  premium reserves with initial premium modifications. This study aims to  examine the concept of premium reserves, calculate premium reserves using the  Canadian method, and determine the premium reserves formed during productive  age. Premium reserve calculations were performed using the Canadian method with  an assumed interest rate of 2.5%, the 1941 CSO mortality table, and coverage of  Rp420, 000, 000, and the calculations were applied to several productive ages. The  calculation process was carried out manually to illustrate the calculation stages and  then implemented computationally using Python to ensure calculation accuracy and  efficiency. The results showed that the premium reserve increased gradually as the  insured’s age increased, and the reserve approached the benefit value at the end of  the coverage period. In addition, insured persons with older entry ages tend to have  higher premium reserves than insured persons who enter at younger ages. This is  because older entry ages carry higher mortality risks and shorter reserve accumulation  periods.
%Z Sri Istiyarti Uswatun Chasanah, M.Si.