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Premi T

VAI Term Life


Per 1,000 Ua

Usia Masa
Masuk 1 2 3 4 5 6
17 1.73 1.73 1.73 1.73 1.73 1.73
18 1.73 1.73 1.73 1.73 1.73 1.73
19 1.73 1.73 1.73 1.73 1.73 1.73
20 1.73 1.73 1.73 1.73 1.73 1.73
21 1.73 1.73 1.73 1.73 1.73 1.73
22 1.73 1.73 1.73 1.73 1.73 1.73
23 1.73 1.73 1.73 1.73 1.73 1.73
24 1.73 1.73 1.73 1.73 1.74 1.74
25 1.73 1.73 1.73 1.74 1.74 1.76
26 1.73 1.73 1.74 1.75 1.76 1.78
27 1.73 1.75 1.75 1.78 1.80 1.82
28 1.76 1.76 1.79 1.81 1.84 1.86
29 1.76 1.81 1.83 1.86 1.88 1.92
30 1.86 1.87 1.90 1.92 1.96 2.01
31 1.89 1.92 1.94 2.00 2.05 2.11
32 1.95 1.97 2.03 2.10 2.17 2.25
33 1.99 2.08 2.15 2.23 2.32 2.41
34 2.18 2.24 2.32 2.42 2.52 2.62
35 2.31 2.40 2.51 2.62 2.73 2.85
36 2.50 2.62 2.73 2.85 2.98 3.12
37 2.76 2.86 2.99 3.12 3.27 3.41
38 2.98 3.12 3.26 3.42 3.57 3.80
39 3.27 3.42 3.59 3.75 4.00 4.18
40 3.59 3.77 3.94 4.22 4.41 4.55
41 3.97 4.13 4.46 4.65 4.79 4.94
42 4.29 4.73 4.91 5.03 5.18 5.34
43 5.19 5.25 5.31 5.44 5.60 5.76
44 5.32 5.38 5.54 5.72 5.91 6.11
45 5.45 5.66 5.87 6.08 6.30 6.54
46 5.90 6.11 6.32 6.56 6.81 7.07
47 6.34 6.56 6.81 7.08 7.36 7.65
48 6.79 7.07 7.36 7.66 7.97 8.30
49 7.37 7.68 7.99 8.32 8.67 9.05
50 8.01 8.34 8.68 9.05 9.46 9.89
51 8.68 9.05 9.46 9.90 10.36 10.82
52 9.45 9.88 10.37 10.86 11.35 11.84
53 10.35 10.87 11.40 11.92 12.44 12.95
54 11.44 11.98 12.53 13.06 13.60 14.14
55 12.56 13.13 13.69 14.25 14.81 15.39
56 13.75 14.32 14.90 15.49 16.09 16.74
57 14.93 15.55 16.16 16.80 17.48 18.20
58 16.21 16.85 17.52 18.25 19.02 19.82
59 17.53 18.25 19.04 19.87 20.73 21.65
60 19.03 19.90 20.77 21.70 22.69 23.72
61 20.83 21.75 22.74 23.79 24.90 26.02
62 22.75 23.81 24.95 26.13 27.33 28.52
63 24.96 26.19 27.45 28.72 29.98 31.20
64 27.52 28.86 30.20 31.52 32.79 34.05
65 30.31 31.71 33.08 34.40 35.71 -
66 33.23 34.65 36.02 37.38 - -
67 36.21 37.60 39.02 - - -
68 39.12 40.62 - - - -
69 42.26 - - - - -

Premi T
VAI Term Life
Per 1,000 Ua

Usia Masa
Masuk 1 2 3 4 5 6
17-20 0.87 0.87 0.87 0.87 0.87 0.87
21 0.87 0.87 0.87 0.87 0.87 0.87
22 0.87 0.87 0.87 0.87 0.87 0.87
23 0.87 0.87 0.87 0.87 0.87 0.87
24 0.87 0.87 0.87 0.87 0.87 0.87
25 0.87 0.87 0.87 0.87 0.87 0.88
26 0.87 0.87 0.87 0.87 0.88 0.89
27 0.87 0.87 0.88 0.89 0.90 0.91
28 0.88 0.88 0.90 0.91 0.92 0.93
29 0.88 0.90 0.92 0.93 0.94 0.96
30 0.93 0.94 0.95 0.96 0.98 1.01
31 0.95 0.96 0.97 1.00 1.02 1.06
32 0.98 0.99 1.02 1.05 1.08 1.12
33 0.99 1.04 1.08 1.11 1.16 1.21
34 1.09 1.12 1.16 1.21 1.26 1.31
35 1.15 1.20 1.26 1.31 1.36 1.42
36 1.25 1.31 1.37 1.43 1.49 1.56
37 1.38 1.43 1.49 1.56 1.64 1.71
38 1.49 1.56 1.63 1.71 1.79 1.90
39 1.63 1.71 1.80 1.88 2.00 2.09
40 1.79 1.89 1.97 2.11 2.20 2.28
41 1.99 2.06 2.23 2.33 2.39 2.47
42 2.15 2.36 2.46 2.52 2.59 2.67
43 2.60 2.63 2.66 2.72 2.80 2.88
44 2.66 2.69 2.77 2.86 2.95 3.05
45 2.72 2.83 2.94 3.04 3.15 3.27
46 2.95 3.06 3.16 3.28 3.40 3.53
47 3.17 3.28 3.41 3.54 3.68 3.82
48 3.40 3.54 3.68 3.83 3.98 4.15
49 3.68 3.84 3.99 4.16 4.33 4.52
50 4.01 4.17 4.34 4.53 4.73 4.95
51 4.34 4.53 4.73 4.95 5.18 5.41
52 4.73 4.94 5.18 5.43 5.68 5.92
53 5.17 5.44 5.70 5.96 6.22 6.48
54 5.72 5.99 6.26 6.53 6.80 7.07
55 6.28 6.57 6.84 7.12 7.40 7.69
56 6.87 7.16 7.45 7.74 8.05 8.37
57 7.47 7.77 8.08 8.40 8.74 9.10
58 8.11 8.42 8.76 9.13 9.51 9.91
59 8.76 9.13 9.52 9.93 10.37 10.82
60 9.52 9.95 10.39 10.85 11.34 11.86
61 10.41 10.88 11.37 11.90 12.45 13.01
62 11.38 11.91 12.48 13.07 13.66 14.26
63 12.48 13.10 13.73 14.36 14.99 15.60
64 13.76 14.43 15.10 15.76 16.39 17.02
65 15.16 15.85 16.54 17.20 17.86
66 16.61 17.33 18.01 18.69
67 18.10 18.80 19.51
68 19.56 20.31
69 21.13
Premi Tahunan Bruto
VAI Term Life Assurance Individu
Per 1,000 Uang Pertanggungan

Masa Asuransi
7 8 9 10 11 12 13 14
1.73 1.73 1.73 1.74 1.74 1.75 1.76 1.77
1.73 1.73 1.73 1.74 1.74 1.75 1.76 1.77
1.73 1.73 1.73 1.74 1.74 1.75 1.76 1.77
1.73 1.73 1.73 1.74 1.74 1.75 1.76 1.77
1.73 1.73 1.74 1.74 1.75 1.77 1.78 1.79
1.73 1.74 1.75 1.76 1.77 1.78 1.80 1.82
1.74 1.75 1.76 1.78 1.79 1.81 1.83 1.86
1.75 1.77 1.78 1.80 1.82 1.85 1.88 1.92
1.77 1.79 1.81 1.83 1.86 1.90 1.94 1.99
1.80 1.82 1.85 1.88 1.92 1.97 2.02 2.07
1.84 1.87 1.91 1.95 2.00 2.05 2.11 2.18
1.90 1.94 1.98 2.04 2.10 2.16 2.23 2.31
1.97 2.02 2.08 2.15 2.22 2.29 2.37 2.46
2.07 2.13 2.20 2.28 2.36 2.45 2.54 2.66
2.19 2.26 2.35 2.44 2.53 2.63 2.76 2.87
2.33 2.42 2.52 2.62 2.73 2.87 2.99 3.09
2.51 2.62 2.73 2.84 2.99 3.12 3.23 3.35
2.73 2.85 2.97 3.13 3.27 3.39 3.51 3.63
2.98 3.11 3.28 3.42 3.55 3.68 3.81 3.94
3.25 3.44 3.60 3.73 3.86 4.00 4.14 4.28
3.62 3.78 3.92 4.06 4.20 4.35 4.49 4.65
3.97 4.12 4.26 4.41 4.56 4.71 4.87 5.04
4.33 4.48 4.63 4.79 4.95 5.12 5.29 5.47
4.71 4.86 5.02 5.19 5.37 5.55 5.74 5.94
5.10 5.27 5.44 5.62 5.81 6.01 6.22 6.45
5.51 5.69 5.88 6.08 6.29 6.51 6.75 7.00
5.95 6.15 6.36 6.58 6.81 7.06 7.33 7.60
6.33 6.55 6.79 7.04 7.31 7.60 7.89 8.19
6.78 7.04 7.31 7.60 7.91 8.23 8.55 8.87
7.34 7.63 7.94 8.27 8.60 8.95 9.29 9.64
7.95 8.29 8.64 9.00 9.36 9.73 10.10 10.48
8.65 9.03 9.41 9.80 10.19 10.59 10.98 11.40
9.45 9.86 10.27 10.69 11.10 11.53 11.97 12.42
10.33 10.77 11.21 11.65 12.10 12.56 13.04 13.53
11.29 11.76 12.22 12.70 13.19 13.70 14.22 14.77
12.34 12.83 13.33 13.85 14.39 14.94 15.53 16.13
13.47 14.00 14.54 15.11 15.70 16.32 16.97 17.63
14.69 15.27 15.87 16.49 17.15 17.84 18.54 19.25
16.00 16.63 17.30 18.00 18.73 19.48 20.24 20.99
17.41 18.12 18.86 19.65 20.45 21.26 22.06 22.86
18.95 19.75 20.59 21.45 22.31 23.17 24.02 -
20.68 21.58 22.49 23.42 24.33 25.24 - -
22.61 23.59 24.58 25.55 26.52 - - -
24.76 25.82 26.85 27.88 - - - -
27.14 28.23 29.32 - - - - -
29.68 30.82 - - - - - -
32.40 - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -

Premi Tahunan Netto


VAI Term Life Assurance Individu
Per 1,000 Uang Pertanggungan

Masa Asuransi
7 8 9 10 11 12 13 14
0.87 0.87 0.87 0.87 0.87 0.88 0.88 0.89
0.87 0.87 0.87 0.87 0.88 0.88 0.89 0.90
0.87 0.87 0.87 0.88 0.88 0.89 0.90 0.91
0.87 0.87 0.88 0.89 0.89 0.91 0.92 0.93
0.88 0.88 0.89 0.90 0.91 0.92 0.94 0.96
0.89 0.90 0.90 0.92 0.93 0.95 0.97 0.99
0.90 0.91 0.92 0.94 0.96 0.98 1.01 1.04
0.92 0.94 0.95 0.97 1.00 1.03 1.06 1.09
0.95 0.97 0.99 1.02 1.05 1.08 1.12 1.15
0.98 1.01 1.04 1.07 1.11 1.15 1.19 1.23
1.03 1.07 1.10 1.14 1.18 1.23 1.27 1.33
1.09 1.13 1.17 1.22 1.27 1.31 1.38 1.43
1.17 1.21 1.26 1.31 1.36 1.43 1.49 1.55
1.26 1.31 1.36 1.42 1.49 1.56 1.62 1.67
1.37 1.43 1.49 1.57 1.63 1.69 1.76 1.82
1.49 1.55 1.64 1.71 1.78 1.84 1.91 1.97
1.63 1.72 1.80 1.86 1.93 2.00 2.07 2.14
1.81 1.89 1.96 2.03 2.10 2.17 2.25 2.32
1.99 2.06 2.13 2.21 2.28 2.36 2.44 2.52
2.16 2.24 2.32 2.39 2.47 2.56 2.64 2.73
2.35 2.43 2.51 2.60 2.68 2.77 2.87 2.97
2.55 2.63 2.72 2.81 2.91 3.01 3.11 3.22
2.75 2.84 2.94 3.04 3.14 3.25 3.37 3.50
2.97 3.07 3.18 3.29 3.40 3.53 3.66 3.80
3.16 3.28 3.40 3.52 3.66 3.80 3.95 4.10
3.39 3.52 3.66 3.80 3.95 4.11 4.27 4.44
3.67 3.81 3.97 4.13 4.30 4.47 4.65 4.82
3.98 4.14 4.32 4.50 4.68 4.86 5.05 5.24
4.33 4.51 4.71 4.90 5.10 5.29 5.49 5.70
4.72 4.93 5.14 5.34 5.55 5.76 5.98 6.21
5.16 5.38 5.60 5.82 6.05 6.28 6.52 6.77
5.64 5.88 6.11 6.35 6.59 6.85 7.11 7.38
6.17 6.41 6.66 6.92 7.19 7.47 7.76 8.07
6.73 7.00 7.27 7.56 7.85 8.16 8.48 8.81
7.34 7.63 7.93 8.25 8.58 8.92 9.27 9.63
8.00 8.32 8.65 9.00 9.36 9.74 10.12 10.50
8.71 9.06 9.43 9.82 10.22 10.63 11.03 11.43
9.48 9.88 10.29 10.72 11.16 11.58 12.01
10.34 10.79 11.25 11.71 12.17 12.62
11.30 11.80 12.29 12.78 13.26
12.38 12.91 13.43 13.94
13.57 14.12 14.66
14.84 15.41
16.20
Usia
15 Masuk
1.79 17
1.79 18
1.79 19
1.79 20
1.81 21
1.85 22
1.90 23
1.96 24
2.04 25
2.13 26
2.25 27
2.39 28
2.57 29
2.76 30
2.97 31
3.20 32
3.46 33
3.76 34
4.07 35
4.42 36
4.80 37
5.21 38
5.66 39
6.15 40
6.68 41
7.25 42
7.88 43
8.50 44
9.20 45
9.99 46
10.86 47
11.82 48
12.88 49
14.05 50
15.34 51
16.75 52
18.30 53
19.96 54
21.74 55
- 56
- 57
- 58
- 59
- 60
- 61
- 62
- 63
- 64
- 65
- 66
- 67
- 68
- 69

Usia
15 Masuk
0.89 17-20
0.91 21
0.93 22
0.95 23
0.98 24
1.02 25
1.07 26
1.12 27
1.19 28
1.28 29
1.38 30
1.48 31
1.60 32
1.73 33
1.88 34
2.04 35
2.21 36
2.40 37
2.61 38
2.83 39
3.07 40
3.34 41
3.63 42
3.94 43
4.25 44
4.60 45
5.00 46
5.43 47
5.91 48
6.44 49
7.03 50
7.67 51
8.38 52
9.15 53
9.98 54
10.87 55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
Premi Tahu
VAI Term Life Ass
Per 1,000 Uang

Usia Masa As
Masuk 1 2 3 4 5 6
17-20 1.73 1.73 1.73 1.73 1.73 1.73
21 1.73 1.73 1.73 1.73 1.73 1.73
22 1.73 1.73 1.73 1.73 1.73 1.73
23 1.73 1.73 1.73 1.73 1.73 1.73
24 1.73 1.73 1.73 1.73 1.74 1.74
25 1.73 1.73 1.73 1.74 1.74 1.76
26 1.73 1.73 1.74 1.75 1.76 1.78
27 1.73 1.75 1.75 1.78 1.80 1.82
28 1.76 1.76 1.79 1.81 1.84 1.86
29 1.76 1.81 1.83 1.86 1.88 1.92
30 1.86 1.87 1.90 1.92 1.96 2.01
31 1.89 1.92 1.94 2.00 2.05 2.11
32 1.95 1.97 2.03 2.10 2.17 2.25
33 1.99 2.08 2.15 2.23 2.32 2.41
34 2.18 2.24 2.32 2.42 2.52 2.62
35 2.31 2.40 2.51 2.62 2.73 2.85
36 2.50 2.62 2.73 2.85 2.98 3.12
37 2.76 2.86 2.99 3.12 3.27 3.41
38 2.98 3.12 3.26 3.42 3.57 3.80
39 3.27 3.42 3.59 3.75 4.00 4.18
40 3.59 3.77 3.94 4.22 4.41 4.55
41 3.97 4.13 4.46 4.65 4.79 4.94
42 4.29 4.73 4.91 5.03 5.18 5.34
43 5.19 5.25 5.31 5.44 5.60 5.76
44 5.32 5.38 5.54 5.72 5.91 6.11
45 5.45 5.66 5.87 6.08 6.30 6.54
46 5.90 6.11 6.32 6.56 6.81 7.07
47 6.34 6.56 6.81 7.08 7.36 7.65
48 6.79 7.07 7.36 7.66 7.97 8.30
49 7.37 7.68 7.99 8.32 8.67 9.05
50 8.01 8.34 8.68 9.05 9.46 9.89
51 8.68 9.05 9.46 9.90 10.36 10.82
52 9.45 9.88 10.37 10.86 11.35 11.84
53 10.35 10.87 11.40 11.92 12.44 12.95
54 11.44 11.98 12.53 13.06 13.60 14.14
55 12.56 13.13 13.69 14.25 14.81 15.39
56 13.75 14.32 14.90 15.49 16.09 16.74
57 14.93 15.55 16.16 16.80 17.48 18.20
58 16.21 16.85 17.52 18.25 19.02 19.82
59 17.53 18.25 19.04 19.87 20.73 21.65
60 19.03 19.90 20.77 21.70 22.69 23.72
61 20.83 21.75 22.74 23.79 24.90 26.02
62 22.75 23.81 24.95 26.13 27.33 28.52
63 24.96 26.19 27.45 28.72 29.98 31.20
64 27.52 28.86 30.20 31.52 32.79 34.05
65 30.31 31.71 33.08 34.40 35.71
66 33.23 34.65 36.02 37.38
67 36.21 37.60 39.02
68 39.12 40.62
69 42.26

Premi Tahu
VAI Term Life Ass
Per 1,000 Uang

Usia Masa As
Masuk 1 2 3 4 5 6
17-20 0.87 0.87 0.87 0.87 0.87 0.87
21 0.87 0.87 0.87 0.87 0.87 0.87
22 0.87 0.87 0.87 0.87 0.87 0.87
23 0.87 0.87 0.87 0.87 0.87 0.87
24 0.87 0.87 0.87 0.87 0.87 0.87
25 0.87 0.87 0.87 0.87 0.87 0.88
26 0.87 0.87 0.87 0.87 0.88 0.89
27 0.87 0.87 0.88 0.89 0.90 0.91
28 0.88 0.88 0.90 0.91 0.92 0.93
29 0.88 0.90 0.92 0.93 0.94 0.96
30 0.93 0.94 0.95 0.96 0.98 1.01
31 0.95 0.96 0.97 1.00 1.02 1.06
32 0.98 0.99 1.02 1.05 1.08 1.12
33 0.99 1.04 1.08 1.11 1.16 1.21
34 1.09 1.12 1.16 1.21 1.26 1.31
35 1.15 1.20 1.26 1.31 1.36 1.42
36 1.25 1.31 1.37 1.43 1.49 1.56
37 1.38 1.43 1.49 1.56 1.64 1.71
38 1.49 1.56 1.63 1.71 1.79 1.90
39 1.63 1.71 1.80 1.88 2.00 2.09
40 1.79 1.89 1.97 2.11 2.20 2.28
41 1.99 2.06 2.23 2.33 2.39 2.47
42 2.15 2.36 2.46 2.52 2.59 2.67
43 2.60 2.63 2.66 2.72 2.80 2.88
44 2.66 2.69 2.77 2.86 2.95 3.05
45 2.72 2.83 2.94 3.04 3.15 3.27
46 2.95 3.06 3.16 3.28 3.40 3.53
47 3.17 3.28 3.41 3.54 3.68 3.82
48 3.40 3.54 3.68 3.83 3.98 4.15
49 3.68 3.84 3.99 4.16 4.33 4.52
50 4.01 4.17 4.34 4.53 4.73 4.95
51 4.34 4.53 4.73 4.95 5.18 5.41
52 4.73 4.94 5.18 5.43 5.68 5.92
53 5.17 5.44 5.70 5.96 6.22 6.48
54 5.72 5.99 6.26 6.53 6.80 7.07
55 6.28 6.57 6.84 7.12 7.40 7.69
56 6.87 7.16 7.45 7.74 8.05 8.37
57 7.47 7.77 8.08 8.40 8.74 9.10
58 8.11 8.42 8.76 9.13 9.51 9.91
59 8.76 9.13 9.52 9.93 10.37 10.82
60 9.52 9.95 10.39 10.85 11.34 11.86
61 10.41 10.88 11.37 11.90 12.45 13.01
62 11.38 11.91 12.48 13.07 13.66 14.26
63 12.48 13.10 13.73 14.36 14.99 15.60
64 13.76 14.43 15.10 15.76 16.39 17.02
65 15.16 15.85 16.54 17.20 17.86
66 16.61 17.33 18.01 18.69
67 18.10 18.80 19.51
68 19.56 20.31
69 21.13
Premi Tahunan Bruto
VAI Term Life Assurance Individu
Per 1,000 Uang Pertanggungan

Masa Asuransi
7 8 9 10 11 12 13 14
1.73 1.73 1.73 1.74 1.74 1.75 1.76 1.77
1.73 1.73 1.74 1.74 1.75 1.77 1.78 1.79
1.73 1.74 1.75 1.76 1.77 1.78 1.80 1.82
1.74 1.75 1.76 1.78 1.79 1.81 1.83 1.86
1.75 1.77 1.78 1.80 1.82 1.85 1.88 1.92
1.77 1.79 1.81 1.83 1.86 1.90 1.94 1.99
1.80 1.82 1.85 1.88 1.92 1.97 2.02 2.07
1.84 1.87 1.91 1.95 2.00 2.05 2.11 2.18
1.90 1.94 1.98 2.04 2.10 2.16 2.23 2.31
1.97 2.02 2.08 2.15 2.22 2.29 2.37 2.46
2.07 2.13 2.20 2.28 2.36 2.45 2.54 2.66
2.19 2.26 2.35 2.44 2.53 2.63 2.76 2.87
2.33 2.42 2.52 2.62 2.73 2.87 2.99 3.09
2.51 2.62 2.73 2.84 2.99 3.12 3.23 3.35
2.73 2.85 2.97 3.13 3.27 3.39 3.51 3.63
2.98 3.11 3.28 3.42 3.55 3.68 3.81 3.94
3.25 3.44 3.60 3.73 3.86 4.00 4.14 4.28
3.62 3.78 3.92 4.06 4.20 4.35 4.49 4.65
3.97 4.12 4.26 4.41 4.56 4.71 4.87 5.04
4.33 4.48 4.63 4.79 4.95 5.12 5.29 5.47
4.71 4.86 5.02 5.19 5.37 5.55 5.74 5.94
5.10 5.27 5.44 5.62 5.81 6.01 6.22 6.45
5.51 5.69 5.88 6.08 6.29 6.51 6.75 7.00
5.95 6.15 6.36 6.58 6.81 7.06 7.33 7.60
6.33 6.55 6.79 7.04 7.31 7.60 7.89 8.19
6.78 7.04 7.31 7.60 7.91 8.23 8.55 8.87
7.34 7.63 7.94 8.27 8.60 8.95 9.29 9.64
7.95 8.29 8.64 9.00 9.36 9.73 10.10 10.48
8.65 9.03 9.41 9.80 10.19 10.59 10.98 11.40
9.45 9.86 10.27 10.69 11.10 11.53 11.97 12.42
10.33 10.77 11.21 11.65 12.10 12.56 13.04 13.53
11.29 11.76 12.22 12.70 13.19 13.70 14.22 14.77
12.34 12.83 13.33 13.85 14.39 14.94 15.53 16.13
13.47 14.00 14.54 15.11 15.70 16.32 16.97 17.63
14.69 15.27 15.87 16.49 17.15 17.84 18.54 19.25
16.00 16.63 17.30 18.00 18.73 19.48 20.24 20.99
17.41 18.12 18.86 19.65 20.45 21.26 22.06 22.86
18.95 19.75 20.59 21.45 22.31 23.17 24.02
20.68 21.58 22.49 23.42 24.33 25.24
22.61 23.59 24.58 25.55 26.52
24.76 25.82 26.85 27.88
27.14 28.23 29.32
29.68 30.82
32.40

Premi Tahunan Netto


VAI Term Life Assurance Individu
Per 1,000 Uang Pertanggungan

Masa Asuransi
7 8 9 10 11 12 13 14
0.87 0.87 0.87 0.87 0.87 0.88 0.88 0.89
0.87 0.87 0.87 0.87 0.88 0.88 0.89 0.90
0.87 0.87 0.87 0.88 0.88 0.89 0.90 0.91
0.87 0.87 0.88 0.89 0.89 0.91 0.92 0.93
0.88 0.88 0.89 0.90 0.91 0.92 0.94 0.96
0.89 0.90 0.90 0.92 0.93 0.95 0.97 0.99
0.90 0.91 0.92 0.94 0.96 0.98 1.01 1.04
0.92 0.94 0.95 0.97 1.00 1.03 1.06 1.09
0.95 0.97 0.99 1.02 1.05 1.08 1.12 1.15
0.98 1.01 1.04 1.07 1.11 1.15 1.19 1.23
1.03 1.07 1.10 1.14 1.18 1.23 1.27 1.33
1.09 1.13 1.17 1.22 1.27 1.31 1.38 1.43
1.17 1.21 1.26 1.31 1.36 1.43 1.49 1.55
1.26 1.31 1.36 1.42 1.49 1.56 1.62 1.67
1.37 1.43 1.49 1.57 1.63 1.69 1.76 1.82
1.49 1.55 1.64 1.71 1.78 1.84 1.91 1.97
1.63 1.72 1.80 1.86 1.93 2.00 2.07 2.14
1.81 1.89 1.96 2.03 2.10 2.17 2.25 2.32
1.99 2.06 2.13 2.21 2.28 2.36 2.44 2.52
2.16 2.24 2.32 2.39 2.47 2.56 2.64 2.73
2.35 2.43 2.51 2.60 2.68 2.77 2.87 2.97
2.55 2.63 2.72 2.81 2.91 3.01 3.11 3.22
2.75 2.84 2.94 3.04 3.14 3.25 3.37 3.50
2.97 3.07 3.18 3.29 3.40 3.53 3.66 3.80
3.16 3.28 3.40 3.52 3.66 3.80 3.95 4.10
3.39 3.52 3.66 3.80 3.95 4.11 4.27 4.44
3.67 3.81 3.97 4.13 4.30 4.47 4.65 4.82
3.98 4.14 4.32 4.50 4.68 4.86 5.05 5.24
4.33 4.51 4.71 4.90 5.10 5.29 5.49 5.70
4.72 4.93 5.14 5.34 5.55 5.76 5.98 6.21
5.16 5.38 5.60 5.82 6.05 6.28 6.52 6.77
5.64 5.88 6.11 6.35 6.59 6.85 7.11 7.38
6.17 6.41 6.66 6.92 7.19 7.47 7.76 8.07
6.73 7.00 7.27 7.56 7.85 8.16 8.48 8.81
7.34 7.63 7.93 8.25 8.58 8.92 9.27 9.63
8.00 8.32 8.65 9.00 9.36 9.74 10.12 10.50
8.71 9.06 9.43 9.82 10.22 10.63 11.03 11.43
9.48 9.88 10.29 10.72 11.16 11.58 12.01
10.34 10.79 11.25 11.71 12.17 12.62
11.30 11.80 12.29 12.78 13.26
12.38 12.91 13.43 13.94
13.57 14.12 14.66
14.84 15.41
16.20
Usia
15 Masuk
1.79 17-20
1.81 21
1.85 22
1.90 23
1.96 24
2.04 25
2.13 26
2.25 27
2.39 28
2.57 29
2.76 30
2.97 31
3.20 32
3.46 33
3.76 34
4.07 35
4.42 36
4.80 37
5.21 38
5.66 39
6.15 40
6.68 41
7.25 42
7.88 43
8.50 44
9.20 45
9.99 46
10.86 47
11.82 48
12.88 49
14.05 50
15.34 51
16.75 52
18.30 53
19.96 54
21.74 55
56
57
58
59
60
61
62
63
64
65
66
67
68
69

Usia
15 Masuk
0.89 17-20
0.91 21
0.93 22
0.95 23
0.98 24
1.02 25
1.07 26
1.12 27
1.19 28
1.28 29
1.38 30
1.48 31
1.60 32
1.73 33
1.88 34
2.04 35
2.21 36
2.40 37
2.61 38
2.83 39
3.07 40
3.34 41
3.63 42
3.94 43
4.25 44
4.60 45
5.00 46
5.43 47
5.91 48
6.44 49
7.03 50
7.67 51
8.38 52
9.15 53
9.98 54
10.87 55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
14,354 0.02102 0.01778 9,285 100,565 965,792 154 2,706 37,382
###
15,364 0.02283 0.01937 8,524 91,280 865,227 154 2,552 34,676
###
16,279 0.02479 0.02093 7,812 82,756 773,947 153 2,398 32,124
###
17,218 0.02690 0.02261 7,148 74,944 691,191 151 2,245 29,726
###
17,249 0.02917 0.02318 6,529 67,797 616,247 141 2,094 27,481
###
17,271 0.03161 0.02376 5,961 61,268 548,450 132 1,952 25,388
###
17,282 0.03423 0.02435 5,438 55,307 487,183 124 1,820 23,435
###
17,283 0.03704 0.02496 4,959 49,869 431,876 116 1,696 21,615
###
17,273 0.04006 0.02558 4,519 44,910 382,007 108 1,581 19,919
###
17,252 0.04330 0.02622 4,115 40,391 337,097 101 1,473 18,338
17,219 0.04678 0.02688 3,745 36,276 296,706 94 1,372 16,866
17,175 0.05050 0.02755 3,406 32,531 260,430 88 1,278 15,494
###
17,120 0.05449 0.02824 3,095 29,125 227,898 82 1,190 14,216
###
17,052 0.05876 0.02894 2,811 26,030 198,773 76 1,108 13,026
###
16,972 0.06333 0.02967 2,551 23,219 172,743 71 1,032 11,918
###
16,881 0.06822 0.03041 2,314 20,667 149,524 66 962 10,886
###
16,776 0.07344 0.03117 2,096 18,354 128,857 61 896 9,924
###
16,660 0.07901 0.03195 1,898 16,257 110,503 57 835 9,028
###
16,531 0.08495 0.03275 1,717 14,359 94,246 53 778 8,194
###
16,389 0.09127 0.03357 1,552 12,642 79,887 49 725 7,415
###
16,235 0.09801 0.03441 1,402 11,089 67,245 45 677 6,690
###
16,068 0.10517 0.03527 1,265 9,687 56,156 42 632 6,013
###
15,889 0.11276 0.03615 1,141 8,422 46,469 39 590 5,382
###
15,698 0.12080 0.03705 1,028 7,281 38,047 36 551 4,792
###
15,494 0.12933 0.03798 925 6,253 30,766 33 516 4,240
###
15,278 0.13834 0.03893 832 5,328 24,513 30 483 3,724
###
15,051 0.14782 0.03990 747 4,497 19,185 28 453 3,241
###
14,811 0.15782 0.04090 670 3,750 14,689 26 425 2,789
###
14,561 0.16833 0.04192 601 3,079 10,939 24 399 2,364
###
14,299 0.17934 0.04297 538 2,479 7,860 22 376 1,965
###
14,027 0.19084 0.04404 481 1,941 5,381 20 354 1,589
###
13,744 0.20290 0.04514 430 1,460 3,440 18 334 1,235
###
13,452 0.21535 0.04627 384 1,030 1,980 17 316 ###
900
13,150 0.22835 0.04743 342 646 951 15 300 ###
584
264,110 1.00000 1.00000 304 304 304 284 284 ###
284
0 0 0 0 0 0 ###0
0 0 0 0 0 0 ###0
0 0 0 0 0 0 ###0
0 0 0 0 0 0 ###0
###
###
###
###
###
###
###
###
###
###

DBTTMI2-bulanan; 19
PROFIT TESTING
VAI Term Life Assurance Individu
PT. VICTORIA ALIFE INDONESIA

ASSUMPTIONS :
Produk
VAI
: Term Life Assurance Individu 100%
Jumlah Peserta : 100 Pol. Duration Lapses Assump PVF PVF PVF
Uang Pertanggungan : 577,994,226 1 20% Year Premium Expense Net Profit
2 15% (16) (17) (18)
Premi tahunan : 3,000,000 3 10% 0 300,000,000 126,000,000 -
Usia Masuk Tertanggung : 40 4010 4 5% 1 219,655,046 87,181,088 4,599,845
Masa Asuransi : 10 5+ 5% 2 170,903,717 71,223,269 44,623,635
Asumsi Tingkat Bunga Investasi (Net) : 9.0% 0% 10 0% 3 140,812,119 61,616,884 41,994,524
Asumsi Tingkat Bunga Aktuaria : 7.0% 4 122,478,123 56,273,965 30,181,252
Pajak : 25% 5 106,531,247 51,394,341 22,515,658
SUMMARY RESULT : 6 92,660,683 46,937,839 17,748,566
Total Biaya Tahun Pertama : 42% Profit Margin : 14.58% 7 80,596,092 42,867,769 13,761,318
Total Biaya Tahun Kedua : 36% 8 70,102,333 39,150,622 10,438,578
Total Biaya Tahun Ketiga dst : 36% 9 60,974,880 35,755,796 7,681,219
Expense Inflation /pa : 5% 10 - - 5,404,118

Year lx Decremented Year End Claim


dx Lapse Sub Total Death Lapse Sub Total Premium Expenses Reserve Investment Profit Tax Net Profit
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
0 100.00 300,000,000 126,000,000
1 79.81 0.192 20.0 20.192 110,974,891 - 110,974,891 239,424,000 95,027,386 72,000,000 189,660,000 6,685,109 1,671,277 5,013,831
2 67.68 0.153 12.0 12.124 88,566,841 - 88,566,841 203,050,706 84,620,366 76,615,680 235,872,310 70,689,788 17,672,447 53,017,341
3 60.79 0.130 6.8 6.898 75,111,767 - 75,111,767 182,355,778 79,795,652 64,976,226 212,600,161 72,512,169 18,128,042 54,384,126
4 57.63 0.117 3.0 3.156 67,456,376 - 67,456,376 172,887,866 79,435,294 58,353,849 182,614,624 56,804,399 14,201,100 42,603,300
5 54.64 0.111 2.9 2.992 63,954,041 - 63,954,041 163,911,528 79,076,565 55,324,117 165,468,998 46,190,841 11,547,710 34,643,131
6 51.80 0.105 2.7 2.837 60,633,547 - 60,633,547 155,401,241 78,719,455 52,451,689 152,773,398 39,688,162 9,922,040 29,766,121
7 49.11 0.099 2.6 2.689 57,485,453 - 57,485,453 147,332,809 78,363,958 49,728,397 140,755,488 33,541,638 8,385,410 25,156,229
8 46.56 0.094 2.5 2.550 54,500,808 - 54,500,808 139,683,290 78,010,066 47,146,499 129,380,001 27,732,694 6,933,173 20,799,520
9 44.14 0.089 2.3 2.417 51,671,126 - 51,671,126 132,430,933 77,657,773 44,698,653 118,613,497 22,243,718 5,560,930 16,682,789
10 - 0.085 44.1 44.228 48,988,361 - 48,988,361 - - 42,377,899 108,424,276 17,058,016 4,264,504 12,793,512

1
1
1
1
1 0
1 0
1 0
1 0
1 0 Return on Investment (ROI) :
1 0 Innitial Investment :
Proyeksi Underwriting VAI TERM LIFE ASSURANCE
PT Victoria Alife Indonesia

Asumsi-asumsi : Decreament : lx dx wx
1 Tingkat Mortalita Modifikasi Rate Reasuransi
2 Tingkat Bunga Teknis 7% 0.934579 0 1,200 -
3 Tingkat Investasi 9% 1 958 2.30 240 242
4 Tingkat Inflasi 5% 2 812 2.04 144 146
5 Pajak 25% 3 729 1.87 81 83
6 Tingkat Lapse 4 691 1.76 36 38
- Thn ke-1 20% 5 655 1.57 35 36
- Thn ke-2 15%
- Thn ke-3 10%
- Thn ke-4 dst 5%
7 Akuisisi per Tahun 30% Total Biaya 50%
8 Biaya Operasional 10%
9 Safety Margin 10%
10 Usia Masuk 40 Tahun
Dalam Ribuan Rupiah
Rate Premi 3.59 3.77 3.94 4.22 4.41
Uang Pertanggungan/Orang 557,292 529,892 508,187 474,234 453,728
Own Retention/Orang 300,000 300,000 300,000 300,000 300,000
Share Reasuransi/Orang 257,292 229,892 208,187 174,234 153,728
Masa Asuransi 1 2 3 4 5
1 2 1 2 3 1 2 3 4 1 2 3 4 5
1 Pendapatan :
a Premi Bruto 2,400,000 2,400,000 1,915,392 2,400,000 1,915,392 1,624,012 2,400,000 1,915,392 1,624,012 1,457,880 2,400,000 1,915,392 1,624,012 1,457,880 1,381,457
b Premi Reasuransi (345,800) (308,975) (342,079) (279,803) (309,782) (334,765) (234,170) (259,260) (280,168) (338,711) (206,610) (228,747) (247,194) (298,847) (306,226)
c Hasil Investasi 125,820 128,661 226,645 130,911 230,883 312,464 134,431 237,514 321,945 395,820 136,558 241,519 327,671 403,174 476,889
Total Pendapatan 2,180,020 2,219,686 1,799,958 2,251,108 1,836,493 1,601,711 2,300,261 1,893,646 1,665,788 1,514,989 2,329,947 1,928,164 1,704,488 1,562,207 1,552,121

2 Biaya-Biaya
a Klaim & Manfaat 1,284,000 1,220,871 1,078,747 1,170,863 1,034,561 947,918 1,092,635 965,440 884,585 836,724 1,045,389 923,693 846,335 800,544 710,363
b Klaim Reasuransi (590,640) (561,601) (496,224) (538,597) (475,898) (436,042) (502,612) (444,102) (406,909) (384,893) (480,879) (424,899) (389,314) (368,250) (326,767)
c Akuisisi 720,000 720,000 574,618 720,000 574,618 487,203 720,000 574,618 487,203 437,364 720,000 574,618 487,203 437,364 414,437
d Biaya Operasional 246,000 246,000 196,328 246,000 196,328 166,461 246,000 196,328 166,461 149,433 246,000 196,328 166,461 149,433 141,599
e Kenaikan Cadangan 100,000 100,000 79,808 100,000 159,616 135,334 100,000 159,616 135,334 121,490 100,000 159,616 135,334 121,490 115,121
Total Biaya-biaya 1,759,360 1,725,270 1,433,277 1,698,266 1,489,224 1,300,875 1,656,023 1,451,899 1,266,675 1,160,118 1,630,510 1,429,356 1,246,020 1,140,580 1,054,754

3 Laba 420,660 494,416 366,681 552,842 347,269 300,836 644,238 441,747 399,113 354,871 699,438 498,808 458,468 421,627 497,366
4 Pajak 105,165 123,604 91,670 138,210 86,817 75,209 161,060 110,437 99,778 88,718 174,859 124,702 114,617 105,407 124,342
5 Laba Setelah Pajak 315,495 370,812 275,011 414,631 260,452 225,627 483,179 331,310 299,335 266,153 524,578 374,106 343,851 316,220 373,025

PV Profit 294,855 586,758 257,019 799,173 243,413 210,867 1,234,867 309,636 279,752 248,742 1,719,365 349,632 321,356 295,533 348,621
PV Premium 2,400,000 4,190,086 1,790,086 4,788,260 1,790,086 1,517,768 6,881,929 1,790,086 1,517,768 1,362,505 8,088,548 1,790,086 1,517,768 1,362,505 1,291,081
Profit Margin 12.29% 14.00% 16.69% 17.94% 21.26%

Jumlah Polis Awal 1,200 1,200 1,200 1,200 1,200


Rata-2 Premi /Tahun/Polis 2,000 2,000 2,000 2,000 2,000