r = 56

y = 20 v = 0.90909091 x = 20

v^(k)
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

1
0.90909091
0.8264462826
0.5644739334
0.6830134581
0.6209213262
0.5644739334
0.5131581218
0.4665073839
0.4240976222
0.3855432933
0.3504939033
0.3186308215
0.2896643835
0.263331258
0.239392053
0.2176291393
0.1978446723
0.1798587931
0.1635079939
0.148643631
0.1351305738
0.1228459763
0.1116781604
0.1015256004
0.0922960005
0.0839054551
0.0762776865
0.0693433514
0.0630394105
0.057308555
0.0520986864
0.0473624423
0.0430567657
0.0391425143
0.035584104
0.0323491855

t = 110- 56- 1 = 53

x
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
46
47
48
49
50
51
52
53
54
55
56

q(x)'^(m)
0.0005
0.00052
0.00054
0.00057
0.00059
0.00062
0.00065
0.00068
0.00072
0.00076
0.00081
0.00086
0.00092
0.00098
0.00105
0.00112
0.0012
0.0013
0.0014
0.00151
0.00163
0.00179
0.002
0.00226
0.00257
0.00292
0.00332
0.00375
0.00423
0.00474
0.00529
0.00587
0.00648
0.00713
0.00781
0.00852
0.00926

i = 10 %

q(x)'^(t) q(x)'^(d) q(x)'(r) 1-[q(x)'^(m)] 1-[q(x)'^(t)]

0.2431
0.0003
0
0.9995
0.7569
0.2245
0.0003
0
0.99948
0.7755
0.2071
0.0003
0
0.99946
0.7929
0.1908
0.0003
0
0.99943
0.8092
0.1757
0.0003
0
0.99941
0.8243
0.1616
0.0003
0
0.99938
0.8384
0.1486
0.0003
0
0.99935
0.8514
0.1365
0.0003
0
0.99932
0.8635
0.1254
0.0003
0
0.99928
0.8746
0.1152
0.0003
0
0.99924
0.8848
0.1059
0.0004
0
0.99919
0.8941
0.0974
0.0004
0
0.99914
0.9026
0.0896
0.0004
0
0.99908
0.9104
0.0827
0.0004
0
0.99902
0.9173
0.0764
0.0004
0
0.99895
0.9236
0.0708
0.0004
0
0.99888
0.9292
0.0658
0.0005
0
0.9988
0.9342
0.0614
0.0006
0
0.9987
0.9386
0.0575
0.0007
0
0.9986
0.9425
0.0541
0.0008
0
0.99849
0.9459
0.0512
0.0009
0
0.99837
0.9488
0.0487
0.001
0
0.99821
0.9513
0.0466
0.0012
0
0.998
0.9534
0.0448
0.0014
0
0.99774
0.9552
0.0433
0.0016
0
0.99743
0.9567
0.0421
0.0018
0
0.99708
0.9579
0.041
0.002
0
0.99668
0.959
0.0402
0.0022
0
0.99625
0.9598
0.0394
0.0025
0
0.99577
0.9606
0.0388
0.0028
0
0.99526
0.9612
0.0382
0.0031
0
0.99471
0.9618
0.0376
0.0034
0
0.99413
0.9624
0.037
0.0038
0
0.99352
0.963
0.0362
0.0042
0
0.99287
0.9638
0.0354
0.0046
0
0.99219
0.9646
0
0.005
0
0.99148
1
0
0.0054
0
0.99074
1

1 - [q(x)'^(d)]
0.9997
0.9997
0.9997
0.9997
0.9997
0.9997
0.9997
0.9997
0.9997
0.9997
0.9996
0.9996
0.9996
0.9996
0.9996
0.9996
0.9995
0.9994
0.9993
0.9992
0.9991
0.999
0.9988
0.9986
0.9984
0.9982
0.998
0.9978
0.9975
0.9972
0.9969
0.9966
0.9962
0.9958
0.9954
0.995
0.9946

1- [q(x)'(r)]
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

P(x)^(T)
0.7562945935
0.774864211
0.7922340924
0.8084961344
0.8235665189
0.8376288279
0.850591336
0.8626539462
0.8737080969
0.8838623137
0.8930184287
0.9014630345
0.909198607
0.9160344856
0.9222611679
0.9277880323
0.9326124205
0.9368173921
0.9405216737
0.9437161136
0.9464009279
0.9486475758
0.9503514082
0.9517069903
0.952714495
0.9533837467
0.9539044878
0.9540971084
0.9541453203
0.953965309
0.9537462706
0.9534977596
0.9531240729
0.952909008
0.9526639682
0.9865226
0.985390004

lx^(T)
1000000
756295
774864
792234
808496
823567
837629
850591
862654
873708
883862
893018
901463
909199
916034
922261
927788
932612
936817
940522
943716
946401
948648
950351
951707
952714
953384
953904
954097
954145
953965
953746
953498
953124
952909
952664
986523

k = 0.01

n
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

(1 + i)
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091
0.909091

usia (x)
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
46
47
48
49
50
51
52
53
54
55
56

(1+0,1)^n
1
1.1
1.21
1.331
1.4641
1.61051
1.771561
1.9487171
2.14358881
2.357947691
2.5937424601
2.8531167061
3.1384283767
3.4522712144
3.7974983358
4.1772481694
4.5949729864
5.054470285
5.5599173135
6.1159090448
6.7274999493
7.4002499443
8.1402749387
8.9543024326
9.8497326758
10.8347059434
11.9181765377
13.1099941915
14.4209936107
15.8630929717
17.4494022689
19.1943424958
21.1137767454
23.2251544199
25.5476698619
28.1024368481
30.9126805329

sx
24000000
26400000
29040000
31944000
35138400
38652240
42517464
46769210
51446131
56590745
62249819
68474801
75322281
82854509
91139960
100253956
110279352
121307287
133438016
146781817
161459999
177605999
195366599
214903258
236393584
260032943
286036237
314639861
346103847
380714231
418785654
460664220
506730642
557403706
613144077
674458484
741904333

bx

240000
264000
290400
319440
351384
386522.4
425174.6
467692.1
514461.3
565907.4
622498.2
684748
753222.8
828545.1
911399.6
1002540
1102794
1213073
1334380
1467818
1614600
1776060
1953666
2149033
2363936
2600329
2860362
3146399
3461038
3807142
4187857
4606642
5067306
5574037
6131441
6744585

0.03096
0.040936
0.05283
0.066685
0.08248
0.10015
0.119564
0.140565
0.162945
0.186499
0.211004
0.236282
0.262109
0.288286
0.314711
0.341238
0.367798
0.394374
0.420972
0.447594
0.474289
0.50115
0.528278
0.555877
0.584084
0.613073
0.64305
0.674124
0.706557
0.740513
0.776247
0.813893
0.853587
0.895567
0.939825
0.986523

v^56-x

a56
uc(NC)x
0.032349 10.40674 2501.421
0.035584 10.40674 4002.038
0.039143 10.40674 6249.438
0.043057 10.40674 9544.932
0.047362 10.40674
14285
0.052099 10.40674 20987.8
0.057309 10.40674 30318.01
0.063039 10.40674 43128.58
0.069343 10.40674 60494.22
0.076278 10.40674 83778.56
0.083905 10.40674 114692.1
0.092296 10.40674 155402.7
0.101526 10.40674 208591.2
0.111678 10.40674
277602
0.122846 10.40674 366687.6
0.135131 10.40674 481091.4
0.148644 10.40674 627428.5
0.163508 10.40674
814045
0.179859 10.40674 1051426
0.197845 10.40674 1352681
0.217629 10.40674 1734361
0.239392 10.40674 2217428
0.263331 10.40674 2828330
0.289664 10.40674 3601067
0.318631 10.40674 4578396
0.350494 10.40674 5814816
0.385543 10.40674 7379953
0.424098 10.40674 9361254
0.466507 10.40674 11872081
0.513158 10.40674 15055587
0.564474 10.40674 19096355
0.620921 10.40674 24227187
0.683013 10.40674 30744588
0.751315 10.40674 39030545
0.826446 10.40674 49560828
0.909091 10.40674 62948325

x
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
46
47
48
49
50
51
52
53
54
55
56

Gaji (per tahun)

24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000
24000000

n=2

UC

( NC ) x b x v r x

rx

px

(T )

..

sx
24000000
26400000
29040000
31944000
35138400
38652240
42517464
46769210
51446131
56590745
62249819
68474801
75322281
82854509
91139960
100253956
110279352
121307287
133438016
146781817
161459999
177605999
195366599
214903258
236393584
260032943
286036237
314639861
346103847
380714231
418785654
460664220
506730642
557403706
613144077
674458484
741904333

sigma Sx
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
46
47
48
49
50
51
52
53
54
55
56

24000000
50400000
79440000
111384000
146522400
185174640
227692104
274461314
325907446
382498190
444748009
513222810
588545091
671399601
762539561
862793516.73
973072868.4
1094380155.2
1227818170.8
1374599987.8
1536059986.6
1713665985.3
1909032583.8
2123935842.2
2360329426.4
2620362369.1
2906398606
3221038466.6
3567142313.2
3947856544.5
4366642199
4827306418.9
5334037060.8
5891440766.9
6504584843.5
7179043327.9

bx
0
144000
327600
556080
835380
1172179.2
1573984.44
2049228.936
2607382.4868
3259074.4584
4016230.999452
4892228.10413041
5902062.31974997
7062541.09745214
8392495.00749724
9913014.28857684
11647712.4757974
13623020.1575763
15868512.250953
18417272.5614293
21306299.8114913
24576959.7859514
28275488.7571886
32453553.9248137
37168877.238392
42485929.6754378
48476703.8275089
55221573.5132398
62810250.0978418
71342846.2642317
80931059.1629213
91699486.1787064
103787088.006019
117348815.337008
132557417.254134
149605451.401315
168707518.205391

v
0.0323492
0.0355841
0.0391425
0.0430568
0.0473624
0.0520987
0.0573086
0.0630394
0.0693433
0.0762777
0.0839055
0.092296
0.1015256
0.1116782
0.122846
0.1351306
0.1486436
0.163508
0.1798588
0.1978447
0.2176291
0.239392
0.2633313
0.2896644
0.3186308
0.3504939
0.3855433
0.4240976
0.4665074
0.5131581
0.5644739
0.6209213
0.6830135
0.7513148
0.8264463
0.9090909
0

p
0.03096
0.040936
0.05283
0.066685
0.08248
0.10015
0.119564
0.140565
0.162945
0.186499
0.211004
0.236282
0.262109
0.288286
0.314711
0.341238
0.367798
0.394374
0.420972
0.447594
0.474289
0.50115
0.528278
0.555877
0.584084
0.613073
0.64305
0.674124
0.706557
0.740513
0.776247
0.813893
0.853587
0.895567
0.939825
0.986523
0

a
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
10.40674
0

uc(NC)x
0
2182.9298986335
7049.9862994517
16615.7830478202
33961.1469026489
63648.2237410828
112236.413818909
188971.172189879
306595.582626424
482482.711945305
739970.193151615
1110285.08133794
1634467.76381767
2366287.33971894
3376590.89574506
4756985.72304869
6626903.95521454
9141867.53529523
12503611.6557752
16972603.1871309
22886663.8458414
30684577.1992072
40934537.6314135
54381413.7415943
71987501.3503184
95006363.5510333
125073583.537343
164296791.205705
215452199.609344
282129826.582311
369040387.452297
482264626.375992
629701664.133032
821700346.838716
1071470077.28881
1396292411.76841
0

t
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

v^(t)
1
0.909091
0.826446
0.564474
0.683013
0.620921
0.564474
0.513158
0.466507
0.424098
0.385543
0.350494
0.318631
0.289664
0.263331
0.239392
0.217629
0.197845
0.179859
0.163508
0.148644
0.135131
0.122846
0.111678
0.101526
0.092296
0.083905
0.076278
0.069343
0.063039
0.057309
0.052099
0.047362
0.043057
0.039143
0.035584
0.032349

tPr
1
0.9995
0.99898
0.998441
0.997872
0.997283
0.996665
0.996017
0.99534
0.994623
0.993867
0.993062
0.992208
0.991295
0.990324
0.989284
0.988176
0.98699
0.985707
0.984327
0.982841
0.981239
0.979482
0.977523
0.975314
0.972807
0.969967
0.966746
0.963121
0.959047
0.954501
0.949452
0.943879
0.937762
0.931076
0.923804
0.915934
annuitas

p.v
1
0.90863636
0.82560352
0.56359381
0.6815598
0.61923426
0.56259121
0.51111411
0.46433323
0.42181719
0.38317874
0.34806215
0.31614802
0.28714287
0.26078316
0.23682667
0.21505584
0.1952707
0.17728805
0.16094531
0.14609299
0.13259532
0.12032543
0.10916798
0.09901933
0.08978623
0.0813855
0.07374118
0.06678605
0.06045777
0.05470109
0.0494652
0.0447044
0.04037701
0.03644466
0.03287275
0.02962971
10.4067376

qx (laki-laki)
0.0005
0.00052
0.00054
0.00057
0.00059
0.00062
0.00065
0.00068
0.00072
0.00076
0.00081
0.00086
0.00092
0.00098
0.00105
0.00112
0.0012
0.0013
0.0014
0.00151
0.00163
0.00179
0.002
0.00226
0.00257
0.00292
0.00332
0.00375
0.00423
0.00474
0.00529
0.00587
0.00648
0.00713
0.00781
0.00852
0.00926
1

Px
0.9995
0.99948
0.99946
0.99943
0.99941
0.99938
0.99935
0.99932
0.99928
0.99924
0.99919
0.99914
0.99908
0.99902
0.99895
0.99888
0.9988
0.9987
0.9986
0.99849
0.99837
0.99821
0.998
0.99774
0.99743
0.99708
0.99668
0.99625
0.99577
0.99526
0.99471
0.99413
0.99352
0.99287
0.99219
0.99148
0.99074
0