Perbandingan perhitungan cadangan unit-linked dengan tingkat bunga konstan dan tingkat bunga rendah = Comparison of Unit-Linked Reserve Calculation with Constant Interest Rates and Varying Interest Rates

Ananda, Ade Olivia (2018) Perbandingan perhitungan cadangan unit-linked dengan tingkat bunga konstan dan tingkat bunga rendah = Comparison of Unit-Linked Reserve Calculation with Constant Interest Rates and Varying Interest Rates. Bachelor thesis, Universitas Pelita Harapan.

	Text (Title) Title.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
Preview	Text (Abstract) Abstract.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (290kB) | Preview
Preview	Text (ToC) ToC.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (310kB) | Preview
Preview	Text (Chapter1) Chapter1.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (321kB) | Preview
	Text (Chapter2) Chapter2.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (420kB)
	Text (Chapter3) Chapter3.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (355kB)
	Text (Chapter4) Chapter4.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (753kB)
	Text (Chapter5) Chapter5.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (278kB)
Preview	Text (Bibliography) Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (280kB) | Preview
	Text (Appendices) Appendices.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (822kB)

Abstract

Unit-Linked merupakan contoh produk asuransi jiwa yang memberikan proteksi jiwa sekaligus investasi. Sama seperti produk asuransi jiwa lainnya, Unit-Linked akan memberikan benefit kepada Tertanggung yang meninggal dunia sehingga perusahaan asuransi perlu mempersiapkan cadangan agar dapat digunakan untuk membiayai pengeluaran yang tidak terduga, sehingga tidak akan terjadi kerugian di masa yang akan datang. Perhitungan cadangan Unit-Linked akan terbagi menjadi dua, yaitu cadangan non-investasi berupa asuransi jiwa berjangka 10 tahun yang akan dihitung dengan metode Zillmer dan cadangan investasi berupa money market yang dihitung dengan mengakumulasikan nilai investasi. Kemudian, akan dibandingkan hasil cadangan dengan menggunakan tingkat bunga konstan dan tingkat bunga berubah berdasarkan gender dan usia masuk asuransi. Hasil peramalan suku bunga Bank Indonesia (BI) tahun 2005-2016 akan digunakan untuk bunga konstan, sementara untuk bunga berubah akan menggunakan yield rate dari hasil prediksi peramalan suku bunga BI. Dari hasil perbandingan perhitungan cadangan Unit-Linked dengan tingkat bunga konstan dan berubah dapat disimpulkan semakin tinggi usia masuk asuransi, sensitivitas peluang kematian dengan tingkat bunga akan semakin meningkat. Dan jika bunga cukup fluktuatif akan lebih baik menggunakan perhitungan dengan bunga berubah, sebaliknya jika bunga tidak fluktuatif dapat menggunakan perhitungan bunga konstan. / Unit-Linked is an example of life insurance products that provide both life protection and investment. Just like other life insurance products, Unit-Linked will provide death benefits to the Insured so that the insurance company must prepare benefit reserves in order to pay future liabilities. The calculation of Unit-Linked reserves will be divided into two, i.e non-investment reserve of 10-year term life insurance which will be calculated by Zillmer method, and investment reserve of money market which calculated by accumulating the investment value. The next step is to compare the results of Unit-Linked reserve by using constant interest rates and varying interest rates based on gender and the age of Insured. Constant interest rate will use the result of forecasting Bank Indonesia’s (BI) interest rate 2005-2016, while varying interest rate will use yield rate from BI interest rate prediction. From the comparison between Unit-Linked reserve calculations with constant interest rate and varying interest rate, it can be concluded that, the sensitivity of death probability with the interest rate will increase when the Insured gets older. And if the interest rate is fluctuating it would be better to use the calculation with the varying interest rate, otherwise if the interest rate quite stable it’s better to use constant interest calculation.

Actions (login required)

View Item