Judul: Determination of Benefit Reserves in Joint Life Insurance with the Canadian Method
Abstrak: Asuransi jiwa joint life merupakan asuransi multi life yang pembayaran preminya dibayarkan hingga salah satu tertanggung yang terdaftar pada polis meninggal dunia dan manfaat asuransi akan dibayarkan di akhir tahun kematian pertama. Pada karya ilmiah ini, metode Canadian diterapkan dalam menentukan cadangan manfaat pada asuransi jiwa seumur hidup, berjangka, endowment murni, dan dwiguna untuk asuransi jiwa multi life status joint life dua individu. Selain itu, diasumsikan pembayaran premi konstan hingga maksimal 10 tahun dan besar manfaat yang diberikan kepada tertanggung sebesar satu satuan. Berdasarkan hasil ilustrasi penghitungan, nilai cadangan manfaat asuransi jiwa berjangka meningkat setiap tahun hingga tahun ke-10 lalu menurun setiap tahun hingga tahun terakhir, sedangkan untuk ketiga jenis asuransi lainnya nilai cadangan manfaat meningkat setiap tahunnya dengan peningkatan yang signifikan terjadi ketika tertanggung masih membayarkan premi., Joint life insurance is a multi-life insurance policy in which premiums are paid until one of the insured individuals listed on the policy passes away, and the insurance benefits are paid out at the end of the first death year. In this research paper, the Canadian method is applied to determine the benefit reserves for whole life, term life, pure endowment, and endowment joint life insurance policies for two individuals. In addition, it is assumed that the premium payment is constant for up to a maximum of 10 years and the benefit amount given to the insured is one unit. Based on the results of the illustration calculation, the reserve value of term life insurance benefits increases yearly until the 10th year and then decreases every year until the last year; as for the other three types of insurance, the value of benefit reserves increases yearly, with a significant increase occurring when the insured still pays premiums.
Keyword: Canadian method, joint life insurance, benefit reserves

Judul: Determination of Benefit Reserves on Endowment  Joint Life Insurances Using Zillmer Methods
Abstrak: Asuransi joint life adalah asuransi multi life dengan manfaat yang akan dibayarkan jika salah satu dari tertanggung meninggal. Pada karya ilmiah ini, dibahas penentuan premi tahunan berdasarkan usia peserta dan lamanya kontrak asuransi serta penentuan cadangan manfaat menggunakan metode Zillmer untuk asuransi dwiguna pada kasus joint life. Berdasarkan hasil penghitungan, besar premi akan meningkat seiring meningkatnya usia peserta saat memulai asuransi dan akan menurun seiring meningkatnya lama kontrak asuransi. Cadangan manfaat pada asuransi dwiguna joint life dengan metode Zillmer nilainya terus naik setiap tahun hingga bernilai manfaat yang harus dibayarkan pada akhir kontrak asuransi. Semakin kecil selisih nilai premi tahun ke-2 sampai tahun ke-n dengan premi tahun pertama maka nilai cadangan manfaat yang dihasilkan akan semakin besar., Joint life insurance is multi life insurance with benefits that will be paid if one of the insured dies. This scientific paper discusses the determination of the annual premiums based on the age of the participant at the start of insurance and the duration of the insurance contract and the determination of benefit reserves using the Zillmer method for endowment joint life insurance. Based on these calculations, the annual premiums increase over the increasing of the age when the participants start the insurance and decrease over with the increasing term of the insurance contract. The benefit reserve on endowment joint life insurance using the Zillmer method, continues to increase in value every year until it is worth the benefits that must be paid to the end of the insurance contract. The smaller the difference between the premium value of the second year to the n th year with the first year’s premium value, the greater the value of the resulting benefit reserve will be.
Keyword: joint life insurance, endowment insurance, benefit, reserves, Zillmer methods, annual premium

Judul: Performa kecoa madagaskar (Gromphadorhina portentosa) pada tipe tempat sembunyi yang berbeda
Abstrak: Madagascar cockroaches come from Madagascar Island in the southest of Africa Beach. This cockroaches is a giant cockroaches in the world and as big as a giant beetle that called as "giant cockroaches". Madagascar cockroaches is a giant cockroaches and have a different character with another cockroaches, that is big size and types that it make it looks like beetle, fizz, doesn't bite, doesn't have wings and outdorless so that these cockroaches harmless for human and can be keep as pets that quite popular all over the world because of it's unique.
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