Abstract
This article discusses Zilmer's reserve of dual purpose life insurance. Zillmer reserve is one type of modified premium reserve that is calculated using prospective reserves and Zillmer level of , which is the difference from gross premium and net premium in the 1st policy year is greater than standard loading, so it is necessary to find a way for the loading to be smaller than standard loading. Furthermore, in determining Zilmer's reserves using cox-ingersoll-ross interest rate (CIR) which will be expressed in the form of discount vaktor by estimating two parameters through variance.
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