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x v^x lx Dx = v^x . lx Nx dx = lx.

qx qx Cx=(v^x+1) *dx Mx C_=v^x+1/2 *dx Mx_


0 1 100000 100000 1304796.428 802 0.00802 742.5925926 1341.211377 802 933.3499566
1 0.925925926 99198 91850 1204796.428 78.36642 0.00079 67.18657407 598.6187843 64.65031105 131.3499566
2 0.85733882 99119.63358 84979.10972 1112946.428 62.44536916 0.00063 49.57114734 531.4322102 36.43627313 66.69964552
3 0.793832241 99057.18821 78634.78971 1027967.319 50.51916599 0.00051 37.13309514 481.8610628 17.87456466 30.26337239
4 0.735029853 99006.66904 72772.85737 949332.5288 42.57286769 0.00043 28.9743784 444.7279677 7.830874868 12.38880774
5 0.680583197 98964.09618 67353.30097 876559.6715 37.60635655 0.00038 23.69838367 415.7535893 3.083111321 4.557932868
6 0.630169627 98926.48982 62340.46918 809206.3705 33.63500654 0.00034 19.62570326 392.0552056 1.05371344 1.474821547
7 0.583490395 98892.85481 57703.03094 746865.9013 30.65678499 0.00031 16.56290703 372.4295024 0.314639437 0.421108107
8 0.540268885 98862.19803 53412.16945 689162.8704 28.67003743 0.00029 14.34215661 355.8665953 0.082646191 0.10646867
9 0.500248967 98833.52799 49441.37029 635750.7009 27.67338784 0.00028 12.81813304 341.5244387 0.019209561 0.023822479
10 0.463193488 98805.8546 45766.22844 586309.3306 26.67758074 0.00027 11.44155711 328.7063057 0.00382309 0.004612918
11 0.428882859 98779.17702 42364.69588 540543.1022 26.6703778 0.00027 10.59117397 317.2647486 0.000676492 0.000789828
12 0.397113759 98752.50665 39215.97909 498178.4063 25.67565173 0.00026 9.440883855 306.6735746 9.88264E-05 0.000113335
13 0.367697925 98726.83099 36301.65086 458962.4272 25.66897606 0.00026 8.739286319 297.2326908 1.28538E-05 1.4509E-05
14 0.340461041 98701.16202 33603.90041 422660.7763 26.64931375 0.00027 8.400975101 288.4934044 1.48844E-06 1.65527E-06
15 0.315241705 98674.5127 31106.32162 389056.8759 28.61560868 0.00029 8.352623398 280.0924293 1.52835E-07 1.66835E-07
16 0.291890468 98645.8971 28793.79703 357950.5543 29.59376913 0.0003 7.998276952 271.7398059 1.29583E-08 1.39995E-08
17 0.270268951 98616.30333 26652.9249 329156.7573 31.55721707 0.00032 7.897162932 263.741529 9.71242E-10 1.04115E-09
18 0.250249029 98584.74611 24670.737 302503.8324 35.4905086 0.00036 8.223579 255.8443661 6.58225E-11 6.99086E-11
19 0.231712064 98549.2556 22835.05142 277833.0954 40.4051948 0.00041 8.668862113 247.6207871 3.87155E-12 4.08614E-12
20 0.214548207 98508.85041 21134.89727 254998.044 48.2693367 0.00049 9.588981168 238.9519249 2.0486E-13 2.1459E-13
21 0.198655748 98460.58107 19559.76034 233863.1467 58.09174283 0.00059 10.68542463 229.3629438 9.36246E-15 9.73011E-15
22 0.183940507 98402.48933 18100.20378 214303.3864 67.89771764 0.00069 11.56401908 218.6775191 3.56265E-16 3.67647E-16
23 0.170315284 98334.59161 16747.88393 196203.1826 75.71763554 0.00077 11.94062095 207.1135001 1.10895E-17 1.13814E-17
24 0.157699337 98258.87397 15495.35931 179455.2987 81.5548654 0.00083 11.90847058 195.1728791 2.85832E-19 2.91937E-19
25 0.146017905 98177.31911 14335.64645 163959.9394 83.45072124 0.00085 11.2826847 183.2644085 6.00056E-21 6.10504E-21
26 0.135201764 98093.86839 13262.46403 149624.2929 81.41791076 0.00083 10.1924492 171.9817238 1.02976E-22 1.04471E-22
27 0.125186818 98012.45048 12269.86683 136361.8289 77.42983588 0.00079 8.975180369 161.7892746 1.47682E-24 1.49514E-24
x v^x lx Dx = v^x . lx Nx dx = lx.qx qx Cx=(v^x+1) *dx Mx C_=v^x+1/2 *dx Mx_
28 0.115913721 97935.02064 11352.01263 124091.962 73.45126548 0.00075 7.883342103 152.8140943 1.81125E-26 1.83123E-26
29 0.107327519 97861.56937 10503.23946 112739.9494 72.41756133 0.00074 7.196664075 144.9307522 1.97939E-28 1.99886E-28
30 0.099377333 97789.15181 9718.025059 102236.71 74.31975538 0.00076 6.838610227 137.7340881 1.93044E-30 1.9471E-30
31 0.092016049 97714.83206 8991.332741 92518.6849 78.17186565 0.0008 6.660246475 130.8954779 1.65431E-32 1.66636E-32
32 0.085200045 97636.66019 8318.647847 83527.35216 81.03842796 0.00083 6.393034919 124.2352314 1.19791E-34 1.2052E-34
33 0.078888931 97555.62176 7696.058675 75208.70431 81.94672228 0.00084 5.985823414 117.8421965 7.25414E-37 7.29242E-37
34 0.073045306 97473.67504 7119.994431 67512.64563 83.82736053 0.00086 5.669625195 111.856373 3.80989E-39 3.8277E-39
35 0.067634543 97389.84768 6586.917811 60392.6512 88.62476139 0.00091 5.550088156 106.1867479 1.77299E-41 1.78029E-41
36 0.062624577 97301.22292 6093.447885 53805.73339 96.32821069 0.00099 5.585660562 100.6366597 7.2725E-44 7.29846E-44
37 0.057985719 97204.89471 5636.495715 47712.28551 105.9533352 0.00109 5.68868549 95.05099913 2.58806E-46 2.59598E-46
38 0.053690481 97098.94137 5213.288828 42075.78979 116.5187296 0.0012 5.792543142 89.36231364 7.89476E-49 7.9159E-49
39 0.049713408 96982.42264 4821.326742 36862.50096 130.9262706 0.00135 6.026658428 83.5697705 2.10962E-51 2.1145E-51
40 0.046030933 96851.5 4458.164937 32041.17422 148.182795 0.00153 6.31573366 77.54311208 4.86815E-54 4.87788E-54
41 0.042621235 96703.31721 4121.614763 27583.00928 169.2308051 0.00175 6.678542441 71.22737841 9.71819E-57 9.7345E-57
42 0.039464106 96534.0864 3809.631423 23461.39452 189.2068093 0.00196 6.913775546 64.54883597 1.6283E-59 1.63064E-59
43 0.036540839 96344.87959 3520.522728 19651.7631 210.9952863 0.00219 7.138837753 57.63506043 2.33301E-62 2.33589E-62
44 0.03383411 96133.8843 3252.604428 16131.24037 236.4893554 0.00246 7.408710087 50.49622267 2.8804E-65 2.88348E-65
45 0.03132788 95897.39495 3004.262057 12878.63594 267.5537319 0.00279 7.761010314 43.08751259 3.07753E-68 3.08037E-68
46 0.029007296 95629.84122 2773.963117 9874.373885 304.1028951 0.00318 8.167780288 35.32650227 2.83214E-71 2.83438E-71
47 0.026858607 95325.73832 2560.316587 7100.410768 346.0324301 0.00363 8.605508528 27.15872199 2.237E-74 2.23851E-74
48 0.024869081 94979.70589 2362.057998 4540.094181 393.2159824 0.00414 9.054555659 18.55321346 1.51282E-77 1.5137E-77
49 0.023026927 94586.48991 2178.036183 2178.036183 445.5023675 0.00471 9.498657799 9.498657799 8.74515E-81 8.74515E-81
50 0.021321229 94140.98754 2007.201512 4185.237695 506.478513 0.00538 9.99883716 19.49749496 4.34901E-84 8.7495E-81
51 0.019741878 93634.50903 1848.521081 6033.758776 575.8522305 0.00615 10.5263006 30.02379556 1.85441E-87 8.7495E-81
Keterangan :

1. premi tunggal bersih asuransi jiwa endowment


0.223237374
2. perhitungan premi tahunan bersih untuk asuransi pendidikan
Rp. 101,391,008.49
94374286.49 (12x)
3. perhitungan premi bersih asuransi pendidikan
Rp. 10,320,442.86
4. perhitungan anuitas berjangka (pembayaran 12 kali setahun)
9.468272336
5. perhitungan premi bulanan bersih untuk asuransi pendidikan
 90833.56228
 860036.9049
 800518.4134

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