Pembahasan Soal Ujian Profesi Aktuaris
SOAL
Ketika suatu perusahaan asuransi berkewajiban untuk membayarkan manfaat kematian kepada penerima manfaat (sesuai dengan ketentuan di dalam polis) setelah klaim disetujui, item-item berikut dapat mengurangi manfaat kematian yang harus dibayar perusahaan, kecuali:
- Outstanding policy loan
- Premium that have been paid in advance for periods beyond the next policy anniversary
- Accured policy loan interest at the date of death
- Premiums due and unpaid if death occurs during the grace period
- Accrued or unpaid premiums
Items that an insurer can subtract from the death benefit include[1]
- Outstanding policy loans
- Accrued policy loan interest at the date of death
- Premium due and unpaid if death occurs during the grace period
- Accrued or unpaid premiums (deducted by some companies)
Jawaban: b. Premium that have been paid in advance for periods beyond the next policy anniversary
[1]Mulligan, E. and Stone, G. (1997). Accounting and financial reporting in life and health insurance companies. Atlanta, Ga.: Life Management Institute, LOMA.