qx

x
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

lx
0.00245
0.00042
0.00036
0.00034
0.00032
0.0003
0.00027
0.00025
0.00023
0.00021
0.0002
0.0002
0.00022
0.00025
0.00029
0.00033
0.00037
0.00041
0.00044
0.00047
0.00048
0.00049
0.0005
0.00051
0.00052
0.00053
0.00054
0.00056
0.00058
0.0006
0.00063
0.00066

vx

dx
1000000
997550
997131
996772
996433
996114
995815
995547
995298
995069
994860
994661
994462
994243
993995
993706
993378
993011
992604
992167
991701
991225
990739
990244
989739
989224
988700
988166
987612
987040
986447
985826

2450
419
359
339
319
299
269
249
229
209
199
199
219
249
288
328
368
407
437
466
476
486
495
505
515
524
534
553
573
592
621
651

Dx

Nx

Sx

Cx

Mx

Rx

1.000 1000000.000 15087304.205 223108935.940 2289.720 12980.099 491392.508

0.935 932289.720 14087304.205 208021631.734 365.945 10690.379 478412.410
0.873 870932.858 13155014.486 193934327.529 293.024 10324.434 467722.031
0.816 813662.918 12284081.628 180779313.043 258.547 10031.409 457397.597
0.763 760174.086 11470418.710 168495231.416 227.342 9772.862 447366.187
0.713 710215.730 10710244.624 157024812.706 199.126 9545.521 437593.325
0.666 663553.892 10000028.894 146314568.082 167.439 9346.395 428047.805
0.623 619976.386 9336475.002 136314539.188 144.854 9178.956 418701.410
0.582 579272.329 8716498.616 126978064.186 124.516 9034.102 409522.454
0.544 541251.492 8137226.287 118261565.571 106.227 8909.585 400488.352
0.508 505736.289 7595974.795 110124339.284
94.530 8803.358 391578.767
0.475 472556.207 7090238.507 102528364.488
88.328 8708.828 382775.409
0.444 441552.987 6617682.300 95438125.982
90.787 8620.500 374066.581
0.415 412575.556 6176129.313 88820443.682
96.396 8529.713 365446.082
0.388 385488.236 5763553.757 82644314.369 104.478 8433.317 356916.368
0.362 360164.901 5378065.521 76880760.612 111.079 8328.839 348483.051
0.339 336491.632 5017900.620 71502695.090 116.357 8217.760 340154.213
0.317 314361.804 4681408.988 66484794.470 120.456 8101.403 331936.453
0.296 293675.622 4367047.184 61803385.482 120.764 7980.947 323835.050
0.277 274342.435 4073371.562 57436338.298 120.506 7860.183 315854.103
0.258 256274.293 3799029.127 53362966.736 114.964 7739.677 307993.920
0.242 239393.721 3542754.834 49563937.609 109.629 7624.713 300254.243
0.226 223622.821 3303361.113 46021182.775 104.497 7515.084 292629.530
0.211 208888.794 3079738.293 42717821.661
99.564 7410.588 285114.446
0.197 195123.608 2870849.499 39638083.369
94.826 7311.024 277703.858
0.184 182263.686 2675725.891 36767233.870
90.280 7216.197 270392.834
0.172 170249.613 2493462.206 34091507.979
85.920 7125.917 263176.637
0.161 159025.867 2323212.593 31598045.773
83.228 7039.997 256050.720
0.150 148539.077 2164186.725 29274833.180
80.517 6956.768 249010.723
0.141 138741.051 2015647.648 27110646.455
77.799 6876.252 242053.955
0.131 129586.735 1876906.597 25094998.807
76.299 6798.453 235177.703
0.123 121032.800 1747319.862 23218092.210
74.656 6722.154 228379.250

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

0.00069
0.00072
0.00077
0.00082
0.0009
0.001
0.00112
0.00127
0.00144
0.00162
0.00181
0.00199
0.00218
0.00237
0.00257
0.00277
0.00299
0.00323
0.0035
0.00379
0.00411
0.00448
0.00486
0.00526
0.00565
0.00601
0.00635
0.0067
0.00711
0.00764
0.00833
0.00923
0.01029

985175
984495
983787
983029
982223
981339
980358
979260
978016
976608
975026
973261
971324
969206
966909
964424
961753
958877
955780
952435
948825
944926
940692
936121
931197
925935
920370
914526
908399
901940
895049
887593
879401

680
709
758
806
884
981
1098
1244
1408
1582
1765
1937
2117
2297
2485
2671
2876
3097
3345
3610
3900
4233
4572
4924
5261
5565
5844
6127
6459
6891
7456
8192
9049

0.115
0.107
0.100
0.094
0.088
0.082
0.076
0.071
0.067
0.062
0.058
0.055
0.051
0.048
0.044
0.042
0.039
0.036
0.034
0.032
0.030
0.028
0.026
0.024
0.023
0.021
0.020
0.018
0.017
0.016
0.015
0.014
0.013

113040.110
105572.068
98594.445
92073.390
85979.336
80282.201
74955.064
69973.004
65312.279
60951.616
56871.845
53055.053
49485.490
46147.300
43026.104
40107.969
37380.252
34830.360
32446.596
30217.788
28133.890
26185.290
24362.598
22658.127
21064.434
19575.159
18184.591
16887.027
15676.527
14546.792
13491.266
12503.629
11577.776

1626287.062
1513246.952
1407674.884
1309080.439
1217007.050
1131027.714
1050745.513
975790.449
905817.445
840505.167
779553.551
722681.706
669626.652
620141.163
573993.862
530967.759
490859.790
453479.538
418649.178
386202.581
355984.793
327850.903
301665.613
277303.016
254644.889
233580.455
214005.295
195820.704
178933.677
163257.150
148710.358
135219.093
122715.463

21470772.349
19844485.286
18331238.335
16923563.450
15614483.011
14397475.961
13266448.247
12215702.734
11239912.285
10334094.839
9493589.673
8714036.122
7991354.417
7321727.764
6701586.602
6127592.739
5596624.981
5105765.191
4652285.653
4233636.476
3847433.894
3491449.101
3163598.198
2861932.584
2584629.569
2329984.680
2096404.225
1882398.930
1686578.225
1507644.548
1344387.398
1195677.040
1060457.948

72.895
71.039
70.951
70.561
72.319
75.030
78.458
83.052
87.897
92.282
96.204
98.672
100.821
102.214
103.343
103.831
104.455
105.142
106.134
107.033
108.066
109.636
110.656
111.385
111.228
109.950
107.918
105.741
104.168
103.867
105.030
107.858
111.341

6647.499
6574.604
6503.564
6432.613
6362.052
6289.733
6214.703
6136.246
6053.194
5965.297
5873.015
5776.811
5678.138
5577.318
5475.103
5371.760
5267.929
5163.474
5058.332
4952.199
4845.165
4737.100
4627.464
4516.808
4405.423
4294.195
4184.245
4076.327
3970.586
3866.417
3762.551
3657.520
3549.662

221657.095
215009.597
208434.993
201931.429
195498.815
189136.763
182847.030
176632.327
170496.081
164442.887
158477.591
152604.576
146827.765
141149.627
135572.309
130097.206
124725.445
119457.516
114294.041
109235.709
104283.511
99438.345
94701.245
90073.781
85556.973
81151.550
76857.355
72673.111
68596.784
64626.198
60759.781
56997.230
53339.710

65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97

0.01145
0.01267
0.01388
0.01506
0.01632
0.01779
0.0196
0.02189
0.02475
0.02815
0.03199
0.03621
0.04072
0.0455
0.0507
0.05656
0.06329
0.07111
0.08014
0.09019
0.1011
0.11276
0.12507
0.138
0.15155
0.1658
0.18091
0.1972
0.21531
0.23652
0.26338
0.30101
0.35966

870352
860386
849485
837694
825079
811613
797175
781550
764442
745522
724536
701358
675962
648436
618933
587553
554321
519238
482315
443662
403648
362839
321926
281662
242793
205998
171843
140755
112998
88669
67697
49867
34856

9966
10901
11791
12616
13465
14439
15625
17108
18920
20986
23178
25396
27525
29504
31380
33232
35083
36923
38653
40014
40809
40914
40263
38869
36795
34154
31088
27757
24330
20972
17830
15010
12536

0.012
0.011
0.011
0.010
0.009
0.009
0.008
0.008
0.007
0.007
0.006
0.006
0.005
0.005
0.005
0.004
0.004
0.004
0.004
0.003
0.003
0.003
0.003
0.003
0.002
0.002
0.002
0.002
0.002
0.002
0.002
0.002
0.001

10709.010
9893.824
9129.411
8413.733
7744.881
7120.079
6535.900
5988.594
5474.303
4989.546
4531.860
4099.893
3692.931
3310.799
2953.418
2620.262
2310.336
2022.537
1755.808
1509.437
1283.459
1078.225
894.060
731.066
588.952
467.006
364.090
278.713
209.113
153.354
109.423
75.330
49.210

111137.687
100428.677
90534.852
81405.441
72991.708
65246.827
58126.748
51590.848
45602.254
40127.951
35138.405
30606.545
26506.652
22813.721
19502.922
16549.504
13929.243
11618.907
9596.369
7840.561
6331.124
5047.665
3969.440
3075.380
2344.314
1755.362
1288.356
924.266
645.554
436.441
283.087
173.664
98.334

937742.484
826604.797
726176.120
635641.268
554235.827
481244.119
415997.292
357870.545
306279.696
260677.443
220549.492
185411.087
154804.542
128297.890
105484.169
85981.246
69431.742
55502.499
43883.593
34287.223
26446.662
20115.538
15067.872
11098.432
8023.053
5678.739
3923.376
2635.020
1710.754
1065.201
628.760
345.673
172.008

114.596
117.154
118.426
118.421
118.128
118.380
119.723
122.514
126.625
131.267
135.490
138.745
140.538
140.786
139.942
138.507
136.655
134.414
131.505
127.230
121.269
113.627
104.505
94.287
83.417
72.364
61.558
51.366
42.079
33.898
26.934
21.192
16.541

3438.321
3323.724
3206.570
3088.144
2969.722
2851.595
2733.215
2613.492
2490.978
2364.353
2233.086
2097.596
1958.851
1818.312
1677.526
1537.584
1399.077
1262.422
1128.008
996.503
869.273
748.004
634.377
529.873
435.586
352.169
279.805
218.247
166.880
124.802
90.903
63.969
42.777

49790.048
46351.727
43028.003
39821.433
36733.289
33763.567
30911.972
28178.757
25565.264
23074.286
20709.934
18476.848
16379.252
14420.401
12602.089
10924.563
9386.979
7987.902
6725.480
5597.472
4600.969
3731.696
2983.691
2349.314
1819.441
1383.856
1031.687
751.882
533.635
366.755
241.953
151.050
87.081

98
99
100

0.46234
0.64743
1

22320
12001
4231

10319
7769
4231

0.001
0.001
0.001

29.450
14.798
4.876

49.124
19.674
4.876

73.674
24.550
4.876

12.725
8.954
4.557

26.236
13.511
4.557

44.304
18.068
4.557

qx
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

lx
0.0037
0.00059
0.00051
0.0005
0.00046
0.00041
0.00036
0.0003
0.00025
0.00022
0.00021
0.00024
0.00031
0.00044
0.0006
0.00077
0.00094
0.00109
0.00119
0.00125
0.00128
0.00128
0.00125
0.0012
0.00115
0.00108
0.00102
0.00098
0.00095
0.00094
0.00094
0.00096

vx

dx
1000000
996300
995712
995204
994707
994249
993842
993484
993186
992937
992719
992511
992272
991965
991528
990933
990170
989240
988161
986985
985752
984490
983230
982001
980822
979694
978636
977638
976680
975752
974835
973919

3700
588
508
498
458
408
358
298
248
218
208
238
308
436
595
763
931
1078
1176
1234
1262
1260
1229
1178
1128
1058
998
958
928
917
916
935

Dx

Nx

Sx

Cx

Mx

1.000 1000000.000 14992920.185 219211577.684 3457.944 19154.754

0.935 931121.495 13992920.185 204218657.498 513.422 15696.810
0.873 869693.583 13061798.690 190225737.313 414.527 15183.388
0.816 812383.214 12192105.107 177163938.623 379.618 14768.861
0.763 758857.030 11379721.893 164971833.516 326.238 14389.243
0.713 708885.940 10620864.863 153592111.623 271.629 14063.005
0.666 662238.595 9911978.922 142971246.760 222.809 13791.376
0.623 618691.766 9249740.327 133059267.838 173.465 13568.567
0.582 578043.139 8631048.561 123809527.511 135.057 13395.102
0.544 540092.176 8053005.422 115178478.950 111.047 13260.045
0.508 504647.996 7512913.247 107125473.528
99.043 13148.998
0.475 471534.598 7008265.251 99612560.282 105.765 13049.955
0.444 440580.775 6536730.653 92604295.031 127.645 12944.190
0.415 411630.089 6096149.878 86067564.377 169.268 12816.545
0.388 384531.749 5684519.789 79971414.499 215.625 12647.277
0.362 359159.841 5299988.040 74286894.710 258.461 12431.652
0.339 335404.942 4940828.199 68986906.670 294.655 12173.191
0.317 313167.908 4605423.257 64046078.471 319.022 11878.536
0.296 292361.266 4292255.349 59440655.214 325.149 11559.515
0.277 272909.679 3999894.082 55148399.866 318.820 11234.365
0.258 254736.955 3726984.403 51148505.784 304.732 10915.545
0.242 237767.188 3472247.448 47421521.380 284.432 10610.813
0.226 221927.894 3234480.260 43949273.932 259.262 10326.382
0.211 207149.985 3012552.366 40714793.672 232.318 10067.120
0.197 193365.799 2805402.381 37702241.306 207.823 9834.802
0.184 180507.877 2612036.582 34896838.925 182.195 9626.979
0.172 168516.756 2431528.705 32284802.344 160.642 9444.784
0.161 157331.653 2263011.949 29853273.639 144.098 9284.142
0.150 146894.830 2105680.296 27590261.690 130.421 9140.044
0.141 137154.467 1958785.466 25484581.394 120.491 9009.623
0.131 128061.254 1821630.999 23525795.928 112.502 8889.133
0.123 119570.913 1693569.745 21704164.929 107.279 8776.630

Rx

ani beruia 30 tahun(female) hendak

651975.851 awal bulan, setiap awal 3 bulan atau s
632821.097
617124.286
601940.898 hitung besar premi setiap bulan,3 bul
587172.037
572782.794 coba berikan pertimbangan kepada a
558719.788
544928.412 judul
531359.845 asuransi jiwa
517964.743
504704.698 tujuan
491555.700 setelah mengikuti prak 3 ini mahaasis
478505.745
465561.554
452745.009
440097.732
427666.080
415492.889
403614.353
392054.839
380820.474
369904.928
359294.115
348967.733
338900.613
329065.811
319438.832
309994.047
300709.905
291569.861
282560.238
273671.105

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

0.00099
0.00104
0.0011
0.00118
0.00128
0.00141
0.00155
0.00172
0.00191
0.00213
0.00236
0.00262
0.00289
0.00319
0.0035
0.00384
0.00419
0.00458
0.00501
0.00551
0.00608
0.00674
0.00748
0.00828
0.00915
0.01006
0.01102
0.01205
0.0132
0.01449
0.01595
0.01762
0.01948

972984
972020
971009
969941
968797
967557
966193
964695
963036
961196
959149
956885
954378
951620
948584
945264
941635
937689
933395
928718
923601
917985
911798
904978
897485
889273
880327
870626
860134
848781
836482
823140
808636

963
1011
1068
1145
1240
1364
1498
1659
1839
2047
2264
2507
2758
3036
3320
3630
3945
4295
4676
5117
5615
6187
6820
7493
8212
8946
9701
10491
11354
12299
13342
14504
15752

0.115
0.107
0.100
0.094
0.088
0.082
0.076
0.071
0.067
0.062
0.058
0.055
0.051
0.048
0.044
0.042
0.039
0.036
0.034
0.032
0.030
0.028
0.026
0.024
0.023
0.021
0.020
0.018
0.017
0.016
0.015
0.014
0.013

111641.238
104234.311
97313.932
90847.558
84804.073
79154.695
73872.044
68932.282
64311.887
59989.767
55945.784
52162.385
48622.168
45309.953
42210.668
39311.150
36598.313
34060.716
31686.652
29465.329
27385.958
25438.740
23614.283
21904.344
20301.847
18800.079
17393.412
16076.389
14843.615
13689.420
12608.468
11595.666
10646.122

1573998.833
1462357.595
1358123.284
1260809.351
1169961.793
1085157.721
1006003.026
932130.982
863198.700
798886.813
738897.046
682951.262
630788.877
582166.709
536856.756
494646.088
455334.938
418736.625
384675.909
352989.257
323523.927
296137.969
270699.230
247084.947
225180.603
204878.756
186078.677
168685.265
152608.876
137765.261
124075.841
111467.373
99871.707

20010595.184
18436596.351
16974238.756
15616115.473
14355306.122
13185344.328
12100186.608
11094183.582
10162052.600
9298853.900
8499967.087
7761070.041
7078118.779
6447329.903
5865163.194
5328306.438
4833660.351
4378325.413
3959588.788
3574912.879
3221923.622
2898399.695
2602261.725
2331562.496
2084477.549
1859296.946
1654418.190
1468339.513
1299654.247
1147045.371
1009280.110
885204.269
773736.896

103.294
101.312
100.042
100.187
101.448
104.307
107.011
110.807
114.800
119.419
123.394
127.725
131.325
135.083
138.072
141.079
143.315
145.793
148.365
151.733
155.614
160.240
165.079
169.503
173.609
176.756
179.136
181.047
183.117
185.383
187.949
190.949
193.819

8669.352
8566.057
8464.746
8364.703
8264.516
8163.068
8058.762
7951.751
7840.944
7726.144
7606.725
7483.331
7355.606
7224.281
7089.198
6951.125
6810.046
6666.731
6520.939
6372.574
6220.841
6065.228
5904.987
5739.908
5570.405
5396.796
5220.040
5040.904
4859.857
4676.740
4491.357
4303.408
4112.459

264894.475
256225.123
247659.066
239194.320
230829.617
222565.101
214402.033
206343.271
198391.520
190550.577
182824.433
175217.708
167734.377
160378.771
153154.491
146065.293
139114.167
132304.121
125637.390
119116.451
112743.877
106523.036
100457.808
94552.821
88812.913
83242.507
77845.711
72625.671
67584.767
62724.910
58048.170
53556.813
49253.405

65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97

0.02152
0.0237
0.02601
0.02845
0.0311
0.03407
0.03746
0.04138
0.04589
0.05092
0.05635
0.06208
0.068
0.07404
0.08039
0.08728
0.09494
0.10361
0.11341
0.12408
0.13533
0.1469
0.15863
0.17044
0.18233
0.19438
0.20675
0.21977
0.23408
0.25097
0.27302
0.30992
0.36746

792884
775821
757434
737733
716745
694454
670794
645666
618948
590545
560474
528892
496058
462326
428095
393681
359320
325206
291512
258451
226383
195746
166991
140501
116554
95303
76778
60904
47519
36396
27262
19819
13676

17063
18387
19701
20989
22291
23660
25128
26718
28404
30071
31583
32834
33732
34231
34415
34360
34114
33695
33060
32069
30636
28755
26490
23947
21251
18525
15874
13385
11123
9134
7443
6142
5026

0.012
0.011
0.011
0.010
0.009
0.009
0.008
0.008
0.007
0.007
0.006
0.006
0.005
0.005
0.005
0.004
0.004
0.004
0.004
0.003
0.003
0.003
0.003
0.003
0.002
0.002
0.002
0.002
0.002
0.002
0.002
0.002
0.001

9755.828
8921.385
8140.139
7409.732
6727.968
6092.269
5499.725
4947.388
4432.397
3952.331
3505.681
3091.716
2710.077
2360.553
2042.783
1755.667
1497.600
1266.746
1061.213
879.309
719.817
581.687
463.773
364.677
282.730
216.056
162.672
120.598
87.938
62.947
44.065
29.939
19.308

89225.585
79469.757
70548.372
62408.233
54998.501
48270.533
42178.264
36678.539
31731.151
27298.754
23346.423
19840.742
16749.026
14038.950
11678.397
9635.614
7879.948
6382.347
5115.602
4054.388
3175.079
2455.262
1873.575
1409.802
1045.125
762.395
546.339
383.667
263.069
175.130
112.183
68.118
38.179

673865.189
584639.605
505169.847
434621.475
372213.242
317214.741
268944.208
226765.943
190087.404
158356.253
131057.499
107711.076
87870.334
71121.308
57082.358
45403.961
35768.347
27888.400
21506.052
16390.450
12336.062
9160.983
6705.721
4832.146
3422.344
2377.219
1614.824
1068.485
684.818
421.750
246.619
134.436
66.318

196.211
197.605
197.874
197.016
195.551
193.985
192.542
191.330
190.096
188.087
184.622
179.377
172.229
163.341
153.476
143.210
132.881
122.661
112.479
101.967
91.040
79.860
68.755
58.089
48.178
39.250
31.432
24.770
19.238
14.764
11.244
8.672
6.631

3918.640
3722.429
3524.825
3326.951
3129.935
2934.384
2740.399
2547.857
2356.528
2166.432
1978.345
1793.723
1614.346
1442.117
1278.775
1125.299
982.089
849.209
726.548
614.069
512.102
421.062
341.202
272.447
214.358
166.180
126.930
95.498
70.728
51.490
36.726
25.482
16.811

45140.946
41222.306
37499.877
33975.053
30648.102
27518.167
24583.783
21843.384
19295.527
16938.999
14772.568
12794.223
11000.500
9386.154
7944.037
6665.262
5539.962
4557.873
3708.664
2982.116
2368.047
1855.945
1434.883
1093.681
821.234
606.876
440.696
313.766
218.268
147.539
96.049
59.323
33.841

98
99
100

0.4708
0.6567
1

8651
4578
1572

4073
3006
1572

0.001
0.001
0.001

11.414
5.645
1.811

18.871
7.457
1.811

28.139
9.268
1.811

5.022
3.465
1.693

10.180
5.158
1.693

17.030
6.850
1.693

ani beruia 30 tahun(female) hendak mengukuti program asuransi. Dari perusahaaan asuransi menawarkan berbagai program asuransi dengan besar santunan masing2 30jt pembayaran prem
awal bulan, setiap awal 3 bulan atau setiap tahun selama 15 tahun. Program asuransi tsb adlh

hitung besar premi setiap bulan,3 bulan, dan 1 tahun untuk masing2 jenis asuransi dengan menggunakan tabel mortalitas pada hasil prak 1 dengan melengkapi tabel berikut
coba berikan pertimbangan kepada ani jenis asuransi apakan yang sebaiknya dipilih.

asuransi jiwa

setelah mengikuti prak 3 ini mahaasiswa diharapkan dapat mencari premi tunggal bersih, premi tahunan, dan premi dibayar beberapa kali dalam setahun dalam asuransi jiwa

masing2 30jt pembayaran premi beberapa pilihan setiap

qx
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

lx
0.0037
0.00059
0.00051
0.0005
0.00046
0.00041
0.00036
0.0003
0.00025
0.00022
0.00021
0.00024
0.00031
0.00044
0.0006
0.00077
0.00094
0.00109
0.00119
0.00125
0.00128
0.00128
0.00125
0.0012
0.00115
0.00108
0.00102
0.00098
0.00095
0.00094
0.00094
0.00096
0.00099
0.00104
0.0011
0.00118
0.00128
0.00141
0.00155
0.00172
0.00191
0.00213
0.00236
0.00262
0.00289
0.00319

dx
1000000
996300
995712
995204
994707
994249
993842
993484
993186
992937
992719
992511
992272
991965
991528
990933
990170
989240
988161
986985
985752
984490
983230
982001
980822
979694
978636
977638
976680
975752
974835
973919
972984
972020
971009
969941
968797
967557
966193
964695
963036
961196
959149
956885
954378
951620

vx
3700
588
508
498
458
408
358
298
248
218
208
238
308
436
595
763
931
1078
1176
1234
1262
1260
1229
1178
1128
1058
998
958
928
917
916
935
963
1011
1068
1145
1240
1364
1498
1659
1839
2047
2264
2507
2758
3036

Dx
1.000
0.935
0.873
0.816
0.763
0.713
0.666
0.623
0.582
0.544
0.508
0.475
0.444
0.415
0.388
0.362
0.339
0.317
0.296
0.277
0.258
0.242
0.226
0.211
0.197
0.184
0.172
0.161
0.150
0.141
0.131
0.123
0.115
0.107
0.100
0.094
0.088
0.082
0.076
0.071
0.067
0.062
0.058
0.055
0.051
0.048

Nx
1000000.000
931121.495
869693.583
812383.214
758857.030
708885.940
662238.595
618691.766
578043.139
540092.176
504647.996
471534.598
440580.775
411630.089
384531.749
359159.841
335404.942
313167.908
292361.266
272909.679
254736.955
237767.188
221927.894
207149.985
193365.799
180507.877
168516.756
157331.653
146894.830
137154.467
128061.254
119570.913
111641.238
104234.311
97313.932
90847.558
84804.073
79154.695
73872.044
68932.282
64311.887
59989.767
55945.784
52162.385
48622.168
45309.953

14992920.185
13992920.185
13061798.690
12192105.107
11379721.893
10620864.863
9911978.922
9249740.327
8631048.561
8053005.422
7512913.247
7008265.251
6536730.653
6096149.878
5684519.789
5299988.040
4940828.199
4605423.257
4292255.349
3999894.082
3726984.403
3472247.448
3234480.260
3012552.366
2805402.381
2612036.582
2431528.705
2263011.949
2105680.296
1958785.466
1821630.999
1693569.745
1573998.833
1462357.595
1358123.284
1260809.351
1169961.793
1085157.721
1006003.026
932130.982
863198.700
798886.813
738897.046
682951.262
630788.877
582166.709

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92

0.0035
0.00384
0.00419
0.00458
0.00501
0.00551
0.00608
0.00674
0.00748
0.00828
0.00915
0.01006
0.01102
0.01205
0.0132
0.01449
0.01595
0.01762
0.01948
0.02152
0.0237
0.02601
0.02845
0.0311
0.03407
0.03746
0.04138
0.04589
0.05092
0.05635
0.06208
0.068
0.07404
0.08039
0.08728
0.09494
0.10361
0.11341
0.12408
0.13533
0.1469
0.15863
0.17044
0.18233
0.19438
0.20675
0.21977

948584
945264
941635
937689
933395
928718
923601
917985
911798
904978
897485
889273
880327
870626
860134
848781
836482
823140
808636
792884
775821
757434
737733
716745
694454
670794
645666
618948
590545
560474
528892
496058
462326
428095
393681
359320
325206
291512
258451
226383
195746
166991
140501
116554
95303
76778
60904

3320
3630
3945
4295
4676
5117
5615
6187
6820
7493
8212
8946
9701
10491
11354
12299
13342
14504
15752
17063
18387
19701
20989
22291
23660
25128
26718
28404
30071
31583
32834
33732
34231
34415
34360
34114
33695
33060
32069
30636
28755
26490
23947
21251
18525
15874
13385

0.044
0.042
0.039
0.036
0.034
0.032
0.030
0.028
0.026
0.024
0.023
0.021
0.020
0.018
0.017
0.016
0.015
0.014
0.013
0.012
0.011
0.011
0.010
0.009
0.009
0.008
0.008
0.007
0.007
0.006
0.006
0.005
0.005
0.005
0.004
0.004
0.004
0.004
0.003
0.003
0.003
0.003
0.003
0.002
0.002
0.002
0.002

42210.668
39311.150
36598.313
34060.716
31686.652
29465.329
27385.958
25438.740
23614.283
21904.344
20301.847
18800.079
17393.412
16076.389
14843.615
13689.420
12608.468
11595.666
10646.122
9755.828
8921.385
8140.139
7409.732
6727.968
6092.269
5499.725
4947.388
4432.397
3952.331
3505.681
3091.716
2710.077
2360.553
2042.783
1755.667
1497.600
1266.746
1061.213
879.309
719.817
581.687
463.773
364.677
282.730
216.056
162.672
120.598

536856.756
494646.088
455334.938
418736.625
384675.909
352989.257
323523.927
296137.969
270699.230
247084.947
225180.603
204878.756
186078.677
168685.265
152608.876
137765.261
124075.841
111467.373
99871.707
89225.585
79469.757
70548.372
62408.233
54998.501
48270.533
42178.264
36678.539
31731.151
27298.754
23346.423
19840.742
16749.026
14038.950
11678.397
9635.614
7879.948
6382.347
5115.602
4054.388
3175.079
2455.262
1873.575
1409.802
1045.125
762.395
546.339
383.667

93
94
95
96
97
98
99
100

0.23408
0.25097
0.27302
0.30992
0.36746
0.4708
0.6567
1

47519
36396
27262
19819
13676
8651
4578
1572

11123
9134
7443
6142
5026
4073
3006
1572

0.002
0.002
0.002
0.002
0.001
0.001
0.001
0.001

87.938
62.947
44.065
29.939
19.308
11.414
5.645
1.811

263.069
175.130
112.183
68.118
38.179
18.871
7.457
1.811

Sx

Cx
Mx
219211577.684 3457.944
204218657.498 513.422
190225737.313 414.527
177163938.623 379.618
164971833.516 326.238
153592111.623 271.629
142971246.760 222.809
133059267.838 173.465
123809527.511 135.057
115178478.950 111.047
107125473.528
99.043
99612560.282 105.765
92604295.031 127.645
86067564.377 169.268
79971414.499 215.625
74286894.710 258.461
68986906.670 294.655
64046078.471 319.022
59440655.214 325.149
55148399.866 318.820
51148505.784 304.732
47421521.380 284.432
43949273.932 259.262
40714793.672 232.318
37702241.306 207.823
34896838.925 182.195
32284802.344 160.642
29853273.639 144.098
27590261.690 130.421
25484581.394 120.491
23525795.928 112.502
21704164.929 107.279
20010595.184 103.294
18436596.351 101.312
16974238.756 100.042
15616115.473 100.187
14355306.122 101.448
13185344.328 104.307
12100186.608 107.011
11094183.582 110.807
10162052.600 114.800
9298853.900 119.419
8499967.087 123.394
7761070.041 127.725
7078118.779 131.325
6447329.903 135.083

Rx
19154.754
15696.810
15183.388
14768.861
14389.243
14063.005
13791.376
13568.567
13395.102
13260.045
13148.998
13049.955
12944.190
12816.545
12647.277
12431.652
12173.191
11878.536
11559.515
11234.365
10915.545
10610.813
10326.382
10067.120
9834.802
9626.979
9444.784
9284.142
9140.044
9009.623
8889.133
8776.630
8669.352
8566.057
8464.746
8364.703
8264.516
8163.068
8058.762
7951.751
7840.944
7726.144
7606.725
7483.331
7355.606
7224.281

651975.851
632821.097
617124.286
601940.898
587172.037
572782.794
558719.788
544928.412
531359.845
517964.743
504704.698
491555.700
478505.745
465561.554
452745.009
440097.732
427666.080
415492.889
403614.353
392054.839
380820.474
369904.928
359294.115
348967.733
338900.613
329065.811
319438.832
309994.047
300709.905
291569.861
282560.238
273671.105
264894.475
256225.123
247659.066
239194.320
230829.617
222565.101
214402.033
206343.271
198391.520
190550.577
182824.433
175217.708
167734.377
160378.771

Contoh 1
P
154548.2282
P50
169517.7289

5865163.194
5328306.438
4833660.351
4378325.413
3959588.788
3574912.879
3221923.622
2898399.695
2602261.725
2331562.496
2084477.549
1859296.946
1654418.190
1468339.513
1299654.247
1147045.371
1009280.110
885204.269
773736.896
673865.189
584639.605
505169.847
434621.475
372213.242
317214.741
268944.208
226765.943
190087.404
158356.253
131057.499
107711.076
87870.334
71121.308
57082.358
45403.961
35768.347
27888.400
21506.052
16390.450
12336.062
9160.983
6705.721
4832.146
3422.344
2377.219
1614.824
1068.485

138.072
141.079
143.315
145.793
148.365
151.733
155.614
160.240
165.079
169.503
173.609
176.756
179.136
181.047
183.117
185.383
187.949
190.949
193.819
196.211
197.605
197.874
197.016
195.551
193.985
192.542
191.330
190.096
188.087
184.622
179.377
172.229
163.341
153.476
143.210
132.881
122.661
112.479
101.967
91.040
79.860
68.755
58.089
48.178
39.250
31.432
24.770

7089.198
6951.125
6810.046
6666.731
6520.939
6372.574
6220.841
6065.228
5904.987
5739.908
5570.405
5396.796
5220.040
5040.904
4859.857
4676.740
4491.357
4303.408
4112.459
3918.640
3722.429
3524.825
3326.951
3129.935
2934.384
2740.399
2547.857
2356.528
2166.432
1978.345
1793.723
1614.346
1442.117
1278.775
1125.299
982.089
849.209
726.548
614.069
512.102
421.062
341.202
272.447
214.358
166.180
126.930
95.498

153154.491
146065.293
139114.167
132304.121
125637.390
119116.451
112743.877
106523.036
100457.808
94552.821
88812.913
83242.507
77845.711
72625.671
67584.767
62724.910
58048.170
53556.813
49253.405
45140.946
41222.306
37499.877
33975.053
30648.102
27518.167
24583.783
21843.384
19295.527
16938.999
14772.568
12794.223
11000.500
9386.154
7944.037
6665.262
5539.962
4557.873
3708.664
2982.116
2368.047
1855.945
1434.883
1093.681
821.234
606.876
440.696
313.766

684.818
421.750
246.619
134.436
66.318
28.139
9.268
1.811

19.238
14.764
11.244
8.672
6.631
5.022
3.465
1.693

70.728
51.490
36.726
25.482
16.811
10.180
5.158
1.693

218.268
147.539
96.049
59.323
33.841
17.030
6.850
1.693

Contoh 2
P
102535.5531
P40
90835.90695
alfa k
29550.11343
beta k
108788.8565
anuitas
11.67150147
1Vk
12542.5777
5Vk
472615.1471
25Vk
1008890.329

Jangka waktu
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Premi tahunan P
Santunan
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531
102535.5531

10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000

Cadangan akhir tahun tVk

alfa k
beta k
anuitas
12542.5777
29550.11343
108788.8565
11.67150147
108756.2855
29550.11343
108788.8565
209668.1186
29550.11343
108788.8565
315375.2465
29550.11343
108788.8565
426187.2714
29550.11343
108788.8565
542254.2479
29550.11343
108788.8565
663939.9114
29550.11343
108788.8565
791458.9841
29550.11343
108788.8565
925241.9532
29550.11343
108788.8565
1065492.924
29550.11343
108788.8565
1095465.712
1123237.349
1148044.072
1168885.445
1184769.502
1194796.28
1197892.738
1193148.302
1179466.403
1155452.251
1119106.109
1068019.134
999218.0001
908979.4786
793260.7617
647523.7256
466916.3028
245896.2042
-22017.45816
-345297.4303