Agusha, Zikra2023-05-042023-05-042023-01PerpustakaanElfitrahttps://repository.unri.ac.id/handle/123456789/10978This article discusses prospective reserves of term life insurance for single insur- ance participant who are x years old based on semi-Markov assumptions and the calculating reserve is using semi-Markov assumptions. Solution of this problem is obtained by determining the single premium, annual premium, and life annuity, then the reserve formula is obtained base on the semi-Markov assumptions which is using Markov chain calculation.enProspective reserveterm life insurancesemi-Markov assumptionsan- nual premiumArticle