PENENTUAN PREMI POLIS ASURANSI JIWA DWIGUNA DENGAN KASUS JOINT LIFE PADA GENERASI MILENIAL

This study aims to determine the annual joint life premium for millennial couples, based on three categories (age), namely 1) husband is older than wife, 2) and wife are same age 3) younger wife. type of research quantitative by applying data from married couples at Tamansiswa University, Padang. The population was a husband/wife pair University employees in Padang with sample chosen being 1 year difference couple. application insurance model applied endowment insurance. dual-purpose that most demand Indonesia because addition compensation paid if participant dies within n years, participants also receive they still alive after years have ended. results show smaller spouse, will be couple year.