Wahyudi, RidhoPane, RolanMusraini2016-04-272016-04-272016-04-27wahyu sari yenihttp://repository.unri.ac.id/xmlui/handle/123456789/8310This article discusses the commissioners reserve and Illinois reserve for endowment life insurance. Commissioners reserve and Illinois reserve are the calculation of modified premium reserve using prospective reserve and has its own premium payment period. This calculation is carried out by determining life annuity, single premium, and annual premium in advance based on Makeham’s law.enmodified reservecommissioners methodIllinois methodendowment life insuranceMakeham’s lawstudent Paper Post Degree