![ILUSTRASI
Pricing-KIT Version 1.0
A. Calon Peserta BRINGIN DANADWIGUNA Syariah
Memberikan Sekaligus, Asuransi Jiwa dan Keuntungan Investasi Syariah
1. Nama Peserta: Syarif Hidayat
2. USIA Peserta: 36 Tahun
B. Asuransi Dasar/Pokok: GRAFIK PERBANDINGAN KONTRIBUSI, NILAI TUNAI & DK
1. Dana Kebajikan: Rp18,000,000 70,000,000Colum n F Colum n I Colum n H
C. Dana Kebajikan (Riders): 60,000,000
1. DK Risiko A: Rp18,000,000
50,000,000
2. Asuransi BEBAS Kontribusi:
40,000,000
a. TPD [Y/T]: Y
30,000,000
b. Penyakit KRITIS [Y/T]: Y
D. Masa Perjanjian: 10 Tahun 20,000,000
E. Kontribusi Asuransi: 10,000,000
1. Kontribusi Dibayarkan: Rp3,600,000
-
Row 51 Row 53 Row 55 Row 57 Row 59 Row 61 Row 63 Row 65 Row 67 Row 69
2. Masa Bayar Kontribusi: 10 Tahun Row 50 Row 52 Row 54 Row 56 Row 58 Row 60 Row 62 Row 64 Row 66 Row 68
3. Cara Bayar Kontribusi: Tahunan Catatan:
F. Manfaat Akhir Kontrak: 2 1. Batasan mengenai kondisi bebas medical diatur dalam ketentuan underwriting yang berlaku;
2. Penarikan Nilai Tunai minimum 10% dan maksimum 40% dari saldo nilai tunai;
1. Akumulasi Kontribusi: Rp36,000,000
3. Nilai Tunai akan mengalami penurunan setiap kali ada penarikan sebagian Nilai Tunai;
4. Polis akan batal secara otomatis apabila saldo Nilai Tunai kurang atau sama dengan 0 (nol);
2. Asumsi NT Akhir Kontrak: Rp47,802,000
5. Ilustrasi ini bukan sebagai dasar kontrak Polis.
TABEL MANFAAT
Dana Kebajikan Akhir Tahun Asumsi NILAI TUNAI Akhir Thn Penarikan Asumsi NILAI TUNAI
Akumulasi pd Akhir Thn
Thn ke Usia Akibat Bukan Akibat
Kontribusi Rp. %
Kecelakaan Kecelakaan % Rp.
1 36 3,600,000 37,850,000 19,850,000 1,850,000 51%
2 37 7,200,000 40,847,000 22,847,000 4,847,000 67% - -
3 38 10,800,000 44,454,000 26,454,000 8,454,000 78% - -
4 39 14,400,000 48,726,000 30,726,000 12,726,000 88% - -
5 40 18,000,000 53,382,000 35,382,000 17,382,000 97% - -
6 41 21,600,000 58,458,000 40,458,000 22,458,000 104% - -
7 42 25,200,000 63,992,000 45,992,000 27,992,000 111% - -
8 43 28,800,000 70,028,000 52,028,000 34,028,000 118% - -
9 44 32,400,000 76,614,000 58,614,000 40,614,000 125% - -
10 45 36,000,000 83,802,000 65,802,000 47,802,000 133% - -
11 - - - - - 0% - -
12 - - - - - 0% - -
13 - - - - - 0% - -
14 - - - - - 0% - -
15 - - - - - 0% - -
16 - - - - - 0% - -
17 - - - - - 0% - -
18 - - - - - 0% - -
19 - - - - - 0% - -
20 - - - - - 0% - -
Hlm 2 / 19](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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- 1. Pricing-Kit® V-1.0 BRINGIN DANADWIGUNA Syariah Aktuaria Individu & Syariah Memberikan Sekaligus, Asuransi Jiwa dan Keuntungan Investasi Syariah PT. Asuransi Jiwa BRINGIN JIWA SEJAHTERA APLIKASI PERHITUNGAN MANFAAT & KONTRIBUSI 04 February 2011 Data Peserta Pilihan Asuransi Bebas Kontribusi Ujrah & Biaya Administrasi ### Nama Peserta : Syarif Hidayat Cacat Tetap Total : Y T Tahun I : 45.00% ### ### Tanggal Lahir Peserta : 04 May 1975 / 36 Tahun Penyakit Kritis : Y T Tahun II : 20.00% ### ### Masa Perjanjian (n) : 10 Tahun Asumsi Hasil Investasi Netto Tahun III : 11.25% Cara Pembayaran Kontribusi : þÿTahunan Asumsi Investasi : 9% Tahun IV dst : 2.50% Kontribusi Dibayarkan : Rp3,600,000 Akumulasi Kontribusi Dan Asumsi Nilai Tunai Akhir Kontrak Go to Masa Pembayaran Kontribusi : 10 Tahun Tahun Akumulasi Kontribusi : Rp36,000,000 Dana Kebajikan (DK) : Rp18,000,000 NT Akhir Perjanjian : Rp47,802,000 UP Asuransi Kecelakaan : Rp18,000,000 Tabel Perencanaan Penarikan Asumsi NT Catatan 1. Keputusan akseptasi sepenuhnya dari Divisi Layanan Bisnis Akhir Akhir % Nominal % Nominal Individu PT. Asuransi Jiwa BRINGIN JIWA SEJAHTERA. Thn Ke- Thn Ke- ### 1 0% Rp- 2. Batasan mengenai kondisi bebas medical diatur dalam ### ketentuan underwriting yang berlaku; 2 0% Rp- 0% Rp- ### 3 0% Rp- 0% Rp- 3. Penarikan Nilai Tunai sebagian minimum 10% dan ### maksimum 40% dari saldo nilai tunai; 4 0% Rp- 0% Rp- ### 5 0% Rp- 0% Rp- 4. Nilai Tunai pada masa mendatang akan mengalami ### Penurunan setiap kali ada penarikan sebagian NT; 6 0% Rp- 0% Rp- ### 7 0% Rp- 0% Rp- 6. Polis akan batal secara otomatis apabila saldo Nilai Tunai ### bernilai kurang atau sama dengan 0 (nol); 8 0% Rp- 0% Rp- ### 9 0% Rp- 0% Rp- 7. Biaya Wakalah Fee investasi adalah 3% dari tabungan awal. ### 10 0% Rp- 0% Rp- 8. Ilustrasi ini bukan sebagai dasar kontrak Polis. Version 1.0 Created By : bsa
- 2. ILUSTRASI Pricing-KIT Version 1.0 A. Calon Peserta BRINGIN DANADWIGUNA Syariah Memberikan Sekaligus, Asuransi Jiwa dan Keuntungan Investasi Syariah 1. Nama Peserta: Syarif Hidayat 2. USIA Peserta: 36 Tahun B. Asuransi Dasar/Pokok: GRAFIK PERBANDINGAN KONTRIBUSI, NILAI TUNAI & DK 1. Dana Kebajikan: Rp18,000,000 70,000,000Colum n F Colum n I Colum n H C. Dana Kebajikan (Riders): 60,000,000 1. DK Risiko A: Rp18,000,000 50,000,000 2. Asuransi BEBAS Kontribusi: 40,000,000 a. TPD [Y/T]: Y 30,000,000 b. Penyakit KRITIS [Y/T]: Y D. Masa Perjanjian: 10 Tahun 20,000,000 E. Kontribusi Asuransi: 10,000,000 1. Kontribusi Dibayarkan: Rp3,600,000 - Row 51 Row 53 Row 55 Row 57 Row 59 Row 61 Row 63 Row 65 Row 67 Row 69 2. Masa Bayar Kontribusi: 10 Tahun Row 50 Row 52 Row 54 Row 56 Row 58 Row 60 Row 62 Row 64 Row 66 Row 68 3. Cara Bayar Kontribusi: Tahunan Catatan: F. Manfaat Akhir Kontrak: 2 1. Batasan mengenai kondisi bebas medical diatur dalam ketentuan underwriting yang berlaku; 2. Penarikan Nilai Tunai minimum 10% dan maksimum 40% dari saldo nilai tunai; 1. Akumulasi Kontribusi: Rp36,000,000 3. Nilai Tunai akan mengalami penurunan setiap kali ada penarikan sebagian Nilai Tunai; 4. Polis akan batal secara otomatis apabila saldo Nilai Tunai kurang atau sama dengan 0 (nol); 2. Asumsi NT Akhir Kontrak: Rp47,802,000 5. Ilustrasi ini bukan sebagai dasar kontrak Polis. TABEL MANFAAT Dana Kebajikan Akhir Tahun Asumsi NILAI TUNAI Akhir Thn Penarikan Asumsi NILAI TUNAI Akumulasi pd Akhir Thn Thn ke Usia Akibat Bukan Akibat Kontribusi Rp. % Kecelakaan Kecelakaan % Rp. 1 36 3,600,000 37,850,000 19,850,000 1,850,000 51% 2 37 7,200,000 40,847,000 22,847,000 4,847,000 67% - - 3 38 10,800,000 44,454,000 26,454,000 8,454,000 78% - - 4 39 14,400,000 48,726,000 30,726,000 12,726,000 88% - - 5 40 18,000,000 53,382,000 35,382,000 17,382,000 97% - - 6 41 21,600,000 58,458,000 40,458,000 22,458,000 104% - - 7 42 25,200,000 63,992,000 45,992,000 27,992,000 111% - - 8 43 28,800,000 70,028,000 52,028,000 34,028,000 118% - - 9 44 32,400,000 76,614,000 58,614,000 40,614,000 125% - - 10 45 36,000,000 83,802,000 65,802,000 47,802,000 133% - - 11 - - - - - 0% - - 12 - - - - - 0% - - 13 - - - - - 0% - - 14 - - - - - 0% - - 15 - - - - - 0% - - 16 - - - - - 0% - - 17 - - - - - 0% - - 18 - - - - - 0% - - 19 - - - - - 0% - - 20 - - - - - 0% - - Hlm 2 / 19
- 3. PERHITUNGAN KOMISI PENJUALAN BRINGIN DANADWIGUNA Versi - 1.1 Memberikan Sekaligus, Asuransi Jiwa dan Keuntungan Investasi Nama Petugas Penjualan : ABX Kantor Penjualan : Jakarta Nomor SPAJ : 01124585 JUP Rider Cara Pemb. Masa Masa Total Premi Total Premi + Total Komisi Penjualan No. Nama Tertanggung JUP Extra Premi TPD CI Premi Pemb.Premi Asuransi Tahunan Ekstra Premi % Tahunan Tahunan 1 Syarif Hidayat 18,000,000 3,600,000 3,600,000 Tahunan 10 10 3,600,000 122,000 3,722,000 35.00% 1,260,000 350,000 Komisi Tahunan No Keterangan Tahun Tahun Pertama Tahun Kedua Tahun Ketiga Maker Checker Signer Keempat dst 1 Komisi Penutupan (% dari Total Komisi Penjualan): FIELD UNDERWRITER 1,008,000 504,000 252,000 - 2 Komisi Penutupan (% dari Premi Tahunan): FIELD UNDERWRITER - 90,000 90,000 - 3 Komisi Overriding (% dari Total Komisi Penjualan): (ABC) (DEF) (FGH) a. Unit Manager 189,000 94,500 47,250 - b. Sales Manager 50,400 25,200 12,600 - c. Regional Manager 12,600 6,300 3,150 - 4 Komisi Penagihan (% dari - - - 90,000 Premi Tahunan ) Hlm 3 / 19
- 4. PERHITUNGAN EKSTRA PREMI BRINGIN DANADWIGUNA Memberikan Sekaligus, Asuransi Jiwa dan Keuntungan Investasi Nama : Syarif Hidayat Usia : 36 Tahun Cara Bayar Premi : þÿSekaligus Premi Dasar : Rp. 3,600,000 JUP Dasar : Rp. 18,000,000 Masa Kontrak Asuransi : 10 Tahun Masa Pembayaran Premi : 10 Tahun EM dalam % : 10.00% EM dalam ‰ : 1.00‰ JUP TPD akibat Sakit atau Kecelakaan: Rp. 3,600,000 Biaya Pemeriksaan Medis : Rp. 100,000 JUP 31 Jenis Penyakit Kritis (Acceleration Benefit): Rp. 3,600,000 Ekstra Premi + Biaya Ekstra Premi Medis Total Ekstra Premi Sekaligus : Rp. 22,000 Rp. 122,000 Dibayarkan Tahunan Hlm 4 / 19
- 5. BRINGIN DANADWIGUNA SYARIAH PT. Asuransi Jiwa BRINGIN JIWA SEJAHTERA Data Pertanggungan Usia Peserta : 36 Tahun Jumlah Peserta : 1000 Peserta Kontribusi Tahunan : Rp3,600,000 DK Dasar : Rp18,000,000 DK Kecelakaan : Rp18,000,000 Asuransi Bebas Kontribusi 1 Cacat Tetap Total: Y 2 Penyakit Kritis: Y 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Probabilita Pengurang Peserta Kontribusi Kontribusi Biaya Bln Thn Inforce Kontribusi Akumulasi Tabarru' (coi) Administrasi x Inforce Awal JUP WAIVER Dibayarkan Ujroh Ujroh Ke Ke qx wx Accx TPDx DDx Jumlah Akhir Dibayarkan Kontribusi Present Value 10.00% Rp15,000 1 1 36 1,000 0.14583 16.66667 0.05137 0.00002 0.00011 16.86 983 15,539,396,087 3,600,000,000 3,600,000,000 3,600,000,000 2,401,255 15,000,000 1,620,000,000 324,000,000 2 1 36 983 0.14337 16.38560 0.05051 0.00002 0.00011 16.58 967 15,539,396,087 - - 3,600,000,000 2,401,255 14,747,042 - - 3 1 36 967 0.14096 16.10928 0.04966 0.00002 0.00011 16.30 950 15,539,396,087 - - 3,600,000,000 2,401,255 14,498,350 - - 4 1 36 950 0.13858 15.83761 0.04882 0.00002 0.00011 16.03 934 15,539,396,087 - - 3,600,000,000 2,401,255 14,253,851 - - 5 1 36 934 0.13624 15.57053 0.04800 0.00002 0.00011 15.75 918 15,539,396,087 - - 3,600,000,000 2,401,255 14,013,476 - - 6 1 36 918 0.13394 15.30795 0.04719 0.00002 0.00011 15.49 903 15,539,396,087 - - 3,600,000,000 2,401,255 13,777,155 - - 7 1 36 903 0.13169 15.04980 0.04639 0.00002 0.00011 15.23 888 15,539,396,087 - - 3,600,000,000 2,401,255 13,544,818 - - 8 1 36 888 0.12947 14.79600 0.04561 0.00002 0.00011 14.97 873 15,539,396,087 - - 3,600,000,000 2,401,255 13,316,400 - - 9 1 36 873 0.12728 14.54648 0.04484 0.00002 0.00011 14.72 858 15,539,396,087 - - 3,600,000,000 2,401,255 13,091,834 - - 10 1 36 858 0.12514 14.30117 0.04408 0.00002 0.00011 14.47 844 15,539,396,087 - - 3,600,000,000 2,401,255 12,871,055 - - 11 1 36 844 0.12302 14.06000 0.04334 0.00002 0.00011 14.23 829 15,539,396,087 - - 3,600,000,000 2,401,255 12,653,999 - - 12 1 36 829 0.120950 13.822893 0.042608 0.000016 0.000113 13.99 815 15,539,396,087 - - 3,600,000,000 2,401,255 12,440,604 - - 13 2 37 815 0.127744 12.230807 0.041890 0.000017 0.000123 12.40 803 12,604,002,378 2,935,393,709 2,668,539,735 6,535,393,709 2,113,885 12,230,807 587,078,742 117,415,748 14 2 37 803 0.125801 12.044801 0.041253 0.000017 0.000123 12.21 791 12,604,002,378 - - 6,535,393,709 2,113,885 12,044,801 - - 15 2 37 791 0.123888 11.861623 0.040625 0.000017 0.000123 12.03 779 12,604,002,378 - - 6,535,393,709 2,113,885 11,861,623 - - 16 2 37 779 0.122004 11.681231 0.040007 0.000017 0.000123 11.84 767 12,604,002,378 - - 6,535,393,709 2,113,885 11,681,231 - - 17 2 37 767 0.120149 11.503582 0.039399 0.000017 0.000123 11.66 755 12,604,002,378 - - 6,535,393,709 2,113,885 11,503,582 - - 18 2 37 755 0.118321 11.328635 0.038800 0.000017 0.000123 11.49 744 12,604,002,378 - - 6,535,393,709 2,113,885 11,328,635 - - 19 2 37 744 0.116522 11.156349 0.038210 0.000017 0.000123 11.31 732 12,604,002,378 - - 6,535,393,709 2,113,885 11,156,349 - - 20 2 37 732 0.114750 10.986683 0.037629 0.000017 0.000123 11.14 721 12,604,002,378 - - 6,535,393,709 2,113,885 10,986,683 - - 21 2 37 721 0.113005 10.819597 0.037056 0.000017 0.000123 10.97 710 12,604,002,378 - - 6,535,393,709 2,113,885 10,819,597 - - 22 2 37 710 0.111286 10.655052 0.036493 0.000017 0.000123 10.80 700 12,604,002,378 - - 6,535,393,709 2,113,885 10,655,052 - - 23 2 37 700 0.109594 10.493009 0.035938 0.000017 0.000123 10.64 689 12,604,002,378 - - 6,535,393,709 2,113,885 10,493,009 - - 24 2 37 689 0.107927 10.333431 0.035391 0.000017 0.000123 10.48 678 12,604,002,378 - - 6,535,393,709 2,113,885 10,333,431 - - 25 3 38 678 0.113635 9.158652 0.034853 0.000019 0.000137 9.31 669 10,161,695,192 2,442,307,186 2,018,435,691 8,977,700,895 1,905,141 10,176,280 274,759,558 54,951,912 26 3 38 669 0.112076 9.033006 0.034375 0.000019 0.000137 9.18 660 10,161,695,192 - - 8,977,700,895 1,905,141 10,036,673 - - 27 3 38 660 0.110539 8.909083 0.033903 0.000019 0.000137 9.05 651 10,161,695,192 - - 8,977,700,895 1,905,141 9,898,981 - - 28 3 38 651 0.109022 8.786860 0.033438 0.000019 0.000137 8.93 642 10,161,695,192 - - 8,977,700,895 1,905,141 9,763,178 - - 29 3 38 642 0.107526 8.666314 0.032979 0.000019 0.000137 8.81 633 10,161,695,192 - - 8,977,700,895 1,905,141 9,629,238 - - 30 3 38 633 0.106051 8.547422 0.032527 0.000019 0.000137 8.69 624 10,161,695,192 - - 8,977,700,895 1,905,141 9,497,136 - - 31 3 38 624 0.104596 8.430161 0.032081 0.000019 0.000137 8.57 616 10,161,695,192 - - 8,977,700,895 1,905,141 9,366,846 - - 32 3 38 616 0.103162 8.314509 0.031641 0.000019 0.000137 8.45 607 10,161,695,192 - - 8,977,700,895 1,905,141 9,238,343 - - 33 3 38 607 0.101746 8.200443 0.031207 0.000019 0.000137 8.33 599 10,161,695,192 - - 8,977,700,895 1,905,141 9,111,604 - - 34 3 38 599 0.100350 8.087943 0.030778 0.000019 0.000137 8.22 591 10,161,695,192 - - 8,977,700,895 1,905,141 8,986,603 - - 35 3 38 591 0.098974 7.976985 0.030356 0.000019 0.000137 8.11 583 10,161,695,192 - - 8,977,700,895 1,905,141 8,863,317 - - 36 3 38 583 0.097616 7.867550 0.029940 0.000019 0.000137 8.00 575 10,161,695,192 - - 8,977,700,895 1,905,141 8,741,722 - - 37 4 39 575 0.102504 6.983654 0.029529 0.000021 0.000155 7.12 568 8,092,464,290 2,069,230,901 1,554,643,803 11,046,931,796 1,718,418 8,621,795 51,730,773 10,346,155 38 4 39 568 0.101235 6.897199 0.029163 0.000021 0.000155 7.03 561 8,092,464,290 - - 11,046,931,796 1,718,418 8,515,060 - - 39 4 39 561 0.099981 6.811813 0.028802 0.000021 0.000155 6.94 554 8,092,464,290 - - 11,046,931,796 1,718,418 8,409,646 - - 40 4 39 554 0.098744 6.727485 0.028446 0.000021 0.000155 6.85 547 8,092,464,290 - - 11,046,931,796 1,718,418 8,305,537 - - 41 4 39 547 0.097521 6.644201 0.028094 0.000021 0.000155 6.77 540 8,092,464,290 - - 11,046,931,796 1,718,418 8,202,717 - - 42 4 39 540 0.096314 6.561948 0.027746 0.000021 0.000155 6.69 533 8,092,464,290 - - 11,046,931,796 1,718,418 8,101,170 - - 43 4 39 533 0.095122 6.480713 0.027402 0.000021 0.000155 6.60 527 8,092,464,290 - - 11,046,931,796 1,718,418 8,000,880 - - 44 4 39 527 0.093944 6.400483 0.027063 0.000021 0.000155 6.52 520 8,092,464,290 - - 11,046,931,796 1,718,418 7,901,831 - - 45 4 39 520 0.092781 6.321247 0.026728 0.000021 0.000155 6.44 514 8,092,464,290 - - 11,046,931,796 1,718,418 7,804,009 - - 46 4 39 514 0.091632 6.242992 0.026397 0.000021 0.000155 6.36 507 8,092,464,290 - - 11,046,931,796 1,718,418 7,707,397 - -
- 6. 47 4 39 507 0.090498 6.165706 0.026071 0.000021 0.000155 6.28 501 8,092,464,290 - - 11,046,931,796 1,718,418 7,611,982 - - 48 4 39 501 0.089378 6.089376 0.025748 0.000021 0.000155 6.20 495 8,092,464,290 - - 11,046,931,796 1,718,418 7,517,748 - - 49 5 40 495 0.093633 5.412592 0.025429 0.000024 0.000177 5.53 489 6,310,540,962 1,781,923,328 1,217,077,610 12,828,855,125 1,527,817 7,424,681 44,548,083 8,909,617 50 5 40 489 0.092587 5.352103 0.025145 0.000024 0.000177 5.47 484 6,310,540,962 - - 12,828,855,125 1,527,817 7,341,706 - - 51 5 40 484 0.091552 5.292291 0.024864 0.000024 0.000177 5.41 479 6,310,540,962 - - 12,828,855,125 1,527,817 7,259,658 - - 52 5 40 479 0.090529 5.233147 0.024586 0.000024 0.000177 5.35 473 6,310,540,962 - - 12,828,855,125 1,527,817 7,178,528 - - 53 5 40 473 0.089517 5.174663 0.024311 0.000024 0.000177 5.29 468 6,310,540,962 - - 12,828,855,125 1,527,817 7,098,304 - - 54 5 40 468 0.088517 5.116834 0.024039 0.000024 0.000177 5.23 463 6,310,540,962 - - 12,828,855,125 1,527,817 7,018,976 - - 55 5 40 463 0.087528 5.059650 0.023771 0.000024 0.000177 5.17 458 6,310,540,962 - - 12,828,855,125 1,527,817 6,940,535 - - 56 5 40 458 0.086550 5.003106 0.023505 0.000024 0.000177 5.11 452 6,310,540,962 - - 12,828,855,125 1,527,817 6,862,971 - - 57 5 40 452 0.085582 4.947194 0.023243 0.000024 0.000177 5.06 447 6,310,540,962 - - 12,828,855,125 1,527,817 6,786,274 - - 58 5 40 447 0.084626 4.891906 0.022983 0.000024 0.000177 5.00 442 6,310,540,962 - - 12,828,855,125 1,527,817 6,710,433 - - 59 5 40 442 0.083680 4.837236 0.022726 0.000024 0.000177 4.94 437 6,310,540,962 - - 12,828,855,125 1,527,817 6,635,441 - - 60 5 40 437 0.082745 4.783178 0.022472 0.000024 0.000177 4.89 433 6,310,540,962 - - 12,828,855,125 1,527,817 6,561,286 - - 61 6 41 433 0.087227 4.256751 0.022221 0.000027 0.000202 4.37 428 4,753,430,511 1,557,110,451 966,843,081 14,385,965,576 1,310,343 6,487,960 38,927,761 7,785,552 62 6 41 428 0.086347 4.213781 0.021996 0.000027 0.000202 4.32 424 4,753,430,511 - - 14,385,965,576 1,310,343 6,422,467 - 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- 9. 251 21 56 259 - - - - - - 259 0 - - - - - - - 252 21 56 259 - - - - - - 259 0 - - - - - - - 253 22 57 259 - - - - - - 259 0 - - - - - - - 254 22 57 259 - - - - - - 259 0 - - - - - - - 255 22 57 259 - - - - - - 259 0 - - - - - - - 256 22 57 259 - - - - - - 259 0 - - - - - - - 257 22 57 259 - - - - - - 259 0 - - - - - - - 258 22 57 259 - - - - - - 259 0 - - - - - - - 259 22 57 259 - - - - - - 259 0 - - - - - - - 260 22 57 259 - - - - - - 259 0 - - - - - - - 261 22 57 259 - - - - - - 259 0 - - - - - - - 262 22 57 259 - - - - - - 259 0 - - - - - - - 263 22 57 259 - - - - - - 259 0 - - - - - - - 264 22 57 259 - - - - - - 259 0 - - - - - - - 265 23 58 259 - - - - - - 259 0 - - - - - - - 266 23 58 259 - - - - - - 259 0 - - - - - - - 267 23 58 259 - - - - - - 259 0 - - - - - - - 268 23 58 259 - - - - - - 259 0 - - - - - - - 269 23 58 259 - - - - - - 259 0 - - - - - - - 270 23 58 259 - - - - - - 259 0 - - - - - - - 271 23 58 259 - - - - - - 259 0 - - - - - - - 272 23 58 259 - - - - - - 259 0 - - - - - - - 273 23 58 259 - - - - - - 259 0 - - - - - - - 274 23 58 259 - - - - - - 259 0 - - - - - - - 275 23 58 259 - - - - - - 259 0 - - - - - - - 276 23 58 259 - - - - - - 259 0 - - - - - - - 19,139,396,087 14,392,391,812
- 10. Sensitivitas: Proyeksi Hsl Investasi : 10.00% p.a Analisis TK. Bunga : 10% Wakalah Fee : 3.00% p.a No Analisis : 2 Mortalita : 100% TMI II Wakalah Fee: : 3.00% p.a Mundur Diri : 100% Rate Wx Kecelakaan : 100% Rate PA(A) Waiver : 100% Rate Waiver Sisa Ujrah : 20% PVF Profit 0.13 20 21 22 23 24 25 26 27 28 29 30 32 33 34 35 36 Perkiraan Klaim Hasil Investasi Penarikan NILAI TUNAI Wakalah Fee Surplus Dana Awal TOTAL EXP. KLAIM p.a Rp. Dana Akhir Cadangan Surplus Investasi Mati Lapse Waiver Kecelakaan Maturity Present Value % Rp Non-Guaranted Interest Rate 1,962,598,745 58,877,962 2,894,792 30,833,333 1,997,353 924,731 - 36,650,209 10.00% 15,180,537 1,941,129,074 1,819,570,235 130,877,962 129,842,579 0.00% - 1,923,980,777 - 2,845,974 30,313,364 1,997,353 909,136 - 36,065,827 10.00% 15,342,093 1,903,257,043 1,788,898,190 - - 0.00% - 1,886,357,438 - 2,797,980 29,802,163 1,997,353 893,805 - 35,491,301 10.00% 15,042,079 1,865,908,217 1,758,743,394 - - 0.00% - 1,849,253,111 - 2,750,795 29,299,583 1,997,353 878,732 - 34,926,463 10.00% 14,746,204 1,829,072,851 1,729,097,126 - - 0.00% - 1,812,658,121 - 2,704,406 28,805,479 1,997,353 863,913 - 34,371,151 10.00% 14,454,390 1,792,741,360 1,699,950,808 - - 0.00% - 1,776,562,951 - 2,658,799 28,319,707 1,997,353 849,344 - 33,825,203 10.00% 14,166,562 1,756,904,310 1,671,296,010 - - 0.00% - 1,740,958,237 - 2,613,962 27,842,127 1,997,353 835,021 - 33,288,462 10.00% 13,882,645 1,721,552,420 1,643,124,443 - - 0.00% - 1,705,834,766 - 2,569,880 27,372,601 1,997,353 820,939 - 32,760,773 10.00% 13,602,566 1,686,676,558 1,615,427,958 - - 0.00% - 1,671,183,470 - 2,526,542 26,910,993 1,997,353 807,095 - 32,241,983 10.00% 13,326,252 1,652,267,739 1,588,198,543 - - 0.00% - 1,636,995,429 - 2,483,935 26,457,169 1,997,353 793,484 - 31,731,941 10.00% 13,053,631 1,618,317,119 1,561,428,321 - - 0.00% - 1,603,261,866 - 2,442,046 26,010,999 1,997,353 780,103 - 31,230,501 10.00% 12,784,635 1,584,816,000 1,535,109,549 - - 0.00% - 1,569,974,142 - 2,400,864 25,572,352 1,997,353 766,947 - 30,737,517 10.00% 12,519,194 1,551,755,820 1,509,234,613 - - 1,582,493,336.03 3,885,726,095 116,571,783 2,918,567 59,282,722 1,757,673 754,014 - 64,712,975 10.00% 30,055,766 3,851,068,885 3,892,752,981 189,956,626 171,321,698 0.00% - 3,836,910,199 - 2,874,181 58,381,148 1,757,673 742,547 - 63,755,549 10.00% 30,596,061 3,803,750,712 3,833,562,123 - - 0.00% - 3,789,775,204 - 2,830,470 57,493,285 1,757,673 731,254 - 62,812,682 10.00% 30,220,200 3,757,182,721 3,775,271,442 - - 0.00% - 3,743,387,606 - 2,787,425 56,618,925 1,757,673 720,133 - 61,884,155 10.00% 29,850,298 3,711,353,749 3,717,867,248 - - 0.00% - 3,697,736,282 - 2,745,033 55,757,862 1,757,673 709,181 - 60,969,749 10.00% 29,486,268 3,666,252,801 3,661,336,059 - - 0.00% - 3,652,810,281 - 2,703,287 54,909,894 1,757,673 698,396 - 60,069,250 10.00% 29,128,022 3,621,869,053 3,605,664,599 - - 0.00% - 3,608,598,819 - 2,662,175 54,074,822 1,757,673 687,775 - 59,182,445 10.00% 28,775,474 3,578,191,848 3,550,839,793 - - 0.00% - 3,565,091,281 - 2,621,689 53,252,450 1,757,673 677,315 - 58,309,126 10.00% 28,428,539 3,535,210,693 3,496,848,764 - - 0.00% - 3,522,277,211 - 2,581,818 52,442,585 1,757,673 667,014 - 57,449,090 10.00% 28,087,133 3,492,915,255 3,443,678,834 - - 0.00% - 3,480,146,318 - 2,542,553 51,645,036 1,757,673 656,870 - 56,602,132 10.00% 27,751,175 3,451,295,361 3,391,317,514 - - 0.00% - 3,438,688,467 - 2,503,886 50,859,616 1,757,673 646,881 - 55,768,056 10.00% 27,420,585 3,410,340,996 3,339,752,507 - - 0.00% - 3,397,893,680 - 2,465,807 50,086,141 1,757,673 637,043 - 54,946,663 10.00% 27,095,281 3,370,042,297 3,288,971,702 - - 0.00% - 5,525,508,504 165,765,255 3,006,104 77,427,244 1,583,514 627,355 - 82,644,216 10.00% 42,739,345 5,485,603,634 5,657,278,459 226,822,935 185,973,988 0.00% - 5,473,661,820 - 2,964,863 76,365,029 1,583,514 618,748 - 81,532,154 10.00% 43,647,748 5,435,777,414 5,579,675,332 - - 0.00% - 5,423,973,291 - 2,924,189 75,317,387 1,583,514 610,260 - 80,435,349 10.00% 43,251,525 5,386,789,467 5,503,136,833 - - 0.00% - 5,375,121,148 - 2,884,072 74,284,117 1,583,514 601,888 - 79,353,590 10.00% 42,861,971 5,338,629,528 5,427,648,356 - - 0.00% - 5,327,095,149 - 2,844,506 73,265,023 1,583,514 593,630 - 78,286,673 10.00% 42,479,005 5,291,287,481 5,353,195,496 - - 0.00% - 5,279,885,204 - 2,805,482 72,259,909 1,583,514 585,486 - 77,234,392 10.00% 42,102,546 5,244,753,358 5,279,764,046 - - 0.00% - 5,233,481,371 - 2,766,994 71,268,584 1,583,514 577,454 - 76,196,547 10.00% 41,732,515 5,199,017,339 5,207,339,992 - - 0.00% - 5,187,873,855 - 2,729,034 70,290,860 1,583,514 569,532 - 75,172,940 10.00% 41,368,835 5,154,069,749 5,135,909,515 - - 0.00% - 5,143,053,005 - 2,691,595 69,326,548 1,583,514 561,719 - 74,163,376 10.00% 41,011,427 5,109,901,056 5,065,458,983 - - 0.00% - 5,099,009,312 - 2,654,669 68,375,466 1,583,514 554,013 - 73,167,662 10.00% 40,660,216 5,066,501,866 4,995,974,954 - - 0.00% - 5,055,733,408 - 2,618,250 67,437,432 1,583,514 546,412 - 72,185,608 10.00% 40,315,128 5,023,862,928 4,927,444,167 - - 0.00% - 5,013,216,065 - 2,582,331 66,512,266 1,583,514 538,916 - 71,217,027 10.00% 39,976,089 4,981,975,127 4,859,853,545 - - 0.00% - 6,989,135,043 209,674,051 3,149,525 88,873,985 1,427,705 531,523 - 93,982,737 10.00% 54,060,374 6,949,212,679 7,224,726,898 261,404,824 194,843,603 0.00% - 6,938,979,202 - 3,110,534 87,773,751 1,427,705 524,943 - 92,836,933 10.00% 55,332,395 6,901,474,663 7,135,293,701 - - 0.00% - 6,891,346,599 - 3,072,027 86,687,137 1,427,705 518,444 - 91,705,313 10.00% 54,952,566 6,854,593,851 7,046,967,661 - - 0.00% - 6,844,569,897 - 3,033,996 85,613,976 1,427,705 512,026 - 90,587,703 10.00% 54,579,562 6,808,561,755 6,959,735,072 - - 0.00% - 6,798,640,620 - 2,996,436 84,554,100 1,427,705 505,687 - 89,483,928 10.00% 54,213,315 6,763,370,007 6,873,582,397 - - 0.00% - 6,753,550,419 - 2,959,341 83,507,345 1,427,705 499,427 - 88,393,818 10.00% 53,853,759 6,719,010,361 6,788,496,266 - - 0.00% - 6,709,291,063 - 2,922,705 82,473,548 1,427,705 493,244 - 87,317,203 10.00% 53,500,829 6,675,474,689 6,704,463,477 - - 0.00% - 6,665,854,440 - 2,886,523 81,452,550 1,427,705 487,138 - 86,253,916 10.00% 53,154,459 6,632,754,983 6,621,470,989 - - 0.00% - 6,623,232,557 - 2,850,789 80,444,191 1,427,705 481,107 - 85,203,793 10.00% 52,814,587 6,590,843,351 6,539,505,924 - - 0.00% - 6,581,417,536 - 2,815,497 79,448,316 1,427,705 475,151 - 84,166,669 10.00% 52,481,148 6,549,732,014 6,458,555,563 - - 0.00% -
- 11. 6,540,401,614 - 2,780,642 78,464,769 1,427,705 469,269 - 83,142,385 10.00% 52,154,081 6,509,413,310 6,378,607,343 - - 0.00% - 6,500,177,145 - 2,746,218 77,493,398 1,427,705 463,460 - 82,130,781 10.00% 51,833,325 6,469,879,689 6,299,648,859 - - 0.00% - 8,198,302,436 245,949,073 3,312,939 94,081,676 1,268,666 457,722 - 99,121,003 10.00% 63,413,182 8,162,594,615 8,508,057,484 290,497,156 196,843,806 0.00% - 8,153,725,093 - 3,275,916 93,030,262 1,268,666 452,607 - 98,027,450 10.00% 65,018,949 8,120,716,591 8,412,980,806 - - 0.00% - 8,111,929,116 - 3,239,305 91,990,599 1,268,666 447,549 - 96,946,119 10.00% 64,685,662 8,079,668,659 8,318,966,661 - - 0.00% - 8,070,962,315 - 3,203,104 90,962,554 1,268,666 442,547 - 95,876,871 10.00% 64,358,987 8,039,444,430 8,226,003,175 - - 0.00% - 8,030,818,310 - 3,167,308 89,945,999 1,268,666 437,601 - 94,819,574 10.00% 64,038,873 8,000,037,609 8,134,078,606 - - 0.00% - 7,991,490,816 - 3,131,912 88,940,803 1,268,666 432,711 - 93,774,092 10.00% 63,725,270 7,961,441,994 8,043,181,344 - - 0.00% - 7,952,973,642 - 3,096,911 87,946,842 1,268,666 427,875 - 92,740,294 10.00% 63,418,129 7,923,651,477 7,953,299,908 - - 0.00% - 7,915,260,689 - 3,062,301 86,963,988 1,268,666 423,093 - 91,718,049 10.00% 63,117,400 7,886,660,041 7,864,422,946 - - 0.00% - 7,878,345,950 - 3,028,078 85,992,119 1,268,666 418,365 - 90,707,228 10.00% 62,823,037 7,850,461,759 7,776,539,231 - - 0.00% - 7,842,223,509 - 2,994,238 85,031,110 1,268,666 413,690 - 89,707,704 10.00% 62,534,992 7,815,050,797 7,689,637,665 - - 0.00% - 7,806,887,539 - 2,960,776 84,080,842 1,268,666 409,067 - 88,719,350 10.00% 62,253,218 7,780,421,407 7,603,707,271 - - 0.00% - 7,772,332,304 - 2,927,687 83,141,193 1,268,666 404,495 - 87,742,041 10.00% 61,977,669 7,746,567,933 7,518,737,195 - - 0.00% - 9,256,952,319 277,708,570 3,529,031 95,598,107 1,087,200 399,975 - 100,614,313 10.00% 71,601,751 9,227,939,757 9,616,137,253 316,636,331 195,050,886 0.00% - 9,220,206,946 - 3,493,407 94,633,088 1,087,200 395,937 - 99,609,632 10.00% 73,523,225 9,194,120,539 9,519,070,998 - - 0.00% - 9,186,452,560 - 3,458,143 93,677,811 1,087,200 391,940 - 98,615,094 10.00% 73,254,063 9,161,091,529 9,422,984,582 - - 0.00% - 9,153,487,728 - 3,423,234 92,732,176 1,087,200 387,984 - 97,630,594 10.00% 72,991,197 9,128,848,330 9,327,868,114 - - 0.00% - 9,121,308,058 - 3,388,678 91,796,087 1,087,200 384,067 - 96,656,033 10.00% 72,734,591 9,097,386,616 9,233,711,803 - - 0.00% - 9,089,909,233 - 3,354,471 90,869,448 1,087,200 380,190 - 95,691,310 10.00% 72,484,213 9,066,702,136 9,140,505,957 - - 0.00% - 9,059,287,006 - 3,320,609 89,952,163 1,087,200 376,352 - 94,736,325 10.00% 72,240,027 9,036,790,708 9,048,240,981 - - 0.00% - 9,029,437,203 - 3,287,089 89,044,137 1,087,200 372,553 - 93,790,980 10.00% 72,002,000 9,007,648,223 8,956,907,378 - - 0.00% - 9,000,355,721 - 3,253,908 88,145,277 1,087,200 368,793 - 92,855,178 10.00% 71,770,100 8,979,270,644 8,866,495,746 - - 0.00% - 8,972,038,529 - 3,221,061 87,255,491 1,087,200 365,070 - 91,928,822 10.00% 71,544,295 8,951,654,002 8,776,996,777 - - 0.00% - 8,944,481,665 - 3,188,546 86,374,687 1,087,200 361,385 - 91,011,818 10.00% 71,324,553 8,924,794,400 8,688,401,259 - - 0.00% - 8,917,681,237 - 3,156,359 85,502,774 1,087,200 357,736 - 90,104,070 10.00% 71,110,842 8,898,688,009 8,600,700,073 - - 0.00% - 10,236,033,260 307,080,998 3,801,389 94,946,572 881,137 354,125 - 99,983,224 10.00% 79,174,860 10,215,224,896 10,622,052,894 341,546,456 191,268,866 0.00% - 10,208,469,676 - 3,766,703 94,080,226 881,137 350,894 - 99,078,961 10.00% 81,403,771 10,190,794,486 10,525,134,469 - - 0.00% - 10,184,091,202 - 3,732,334 93,221,786 881,137 347,692 - 98,182,949 10.00% 81,209,373 10,167,117,626 10,429,100,382 - - 0.00% - 10,160,465,803 - 3,698,278 92,371,178 881,137 344,520 - 97,295,113 10.00% 81,020,981 10,144,191,671 10,333,942,563 - - 0.00% - 10,137,590,840 - 3,664,533 91,528,332 881,137 341,376 - 96,415,379 10.00% 80,838,573 10,122,014,035 10,239,653,017 - - 0.00% - 10,115,463,731 - 3,631,096 90,693,177 881,137 338,261 - 95,543,671 10.00% 80,662,128 10,100,582,188 10,146,223,821 - - 0.00% - 10,094,081,950 - 3,597,964 89,865,642 881,137 335,175 - 94,679,917 10.00% 80,491,627 10,079,893,659 10,053,647,126 - - 0.00% - 10,073,443,030 - 3,565,134 89,045,657 881,137 332,116 - 93,824,045 10.00% 80,327,049 10,059,946,034 9,961,915,152 - - 0.00% - 10,053,544,561 - 3,532,603 88,233,155 881,137 329,086 - 92,975,982 10.00% 80,168,376 10,040,736,955 9,871,020,191 - - 0.00% - 10,034,384,189 - 3,500,370 87,428,067 881,137 326,083 - 92,135,657 10.00% 80,015,589 10,022,264,121 9,780,954,607 - - 0.00% - 10,015,959,618 - 3,468,431 86,630,324 881,137 323,108 - 91,303,000 10.00% 79,868,669 10,004,525,287 9,691,710,832 - - 0.00% - 9,998,268,607 - 3,436,783 85,839,861 881,137 320,160 - 90,477,941 10.00% 79,727,598 9,987,518,264 9,603,281,366 - - 0.00% - 11,185,746,309 335,572,389 4,164,705 93,057,863 634,104 317,238 - 98,173,911 10.00% 86,520,811 11,174,093,209 11,577,516,555 366,447,807 186,558,027 0.00% - 11,168,222,443 - 4,130,320 92,289,547 634,104 314,619 - 97,368,591 10.00% 89,056,974 11,159,910,826 11,481,930,875 - - 0.00% - 11,154,082,196 - 4,096,219 91,527,575 634,104 312,022 - 96,569,920 10.00% 88,944,218 11,146,456,494 11,387,134,380 - - 0.00% - 11,140,669,651 - 4,062,399 90,771,894 634,104 309,445 - 95,777,842 10.00% 88,837,264 11,133,729,073 11,293,120,557 - - 0.00% - 11,127,983,673 - 4,028,858 90,022,452 634,104 306,891 - 94,992,305 10.00% 88,736,104 11,121,727,472 11,199,882,941 - - 0.00% - 11,116,023,172 - 3,995,595 89,279,197 634,104 304,357 - 94,213,253 10.00% 88,640,730 11,110,450,648 11,107,415,125 - - 0.00% - 11,104,787,109 - 3,962,606 88,542,080 634,104 301,844 - 93,440,634 10.00% 88,551,132 11,099,897,607 11,015,710,754 - - 0.00% - 11,094,274,493 - 3,929,889 87,811,048 634,104 299,352 - 92,674,393 10.00% 88,467,303 11,090,067,403 10,924,763,523 - - 0.00% - 11,084,484,379 - 3,897,443 87,086,051 634,104 296,880 - 91,914,479 10.00% 88,389,235 11,080,959,135 10,834,567,182 - - 0.00% - 11,075,415,871 - 3,865,264 86,367,041 634,104 294,429 - 91,160,839 10.00% 88,316,921 11,072,571,954 10,745,115,531 - - 0.00% - 11,067,068,122 - 3,833,352 85,653,967 634,104 291,998 - 90,413,421 10.00% 88,250,355 11,064,905,056 10,656,402,422 - - 0.00% - 11,059,440,330 - 3,801,702 84,946,780 634,104 289,587 - 89,672,174 10.00% 88,189,530 11,057,957,686 10,568,421,756 - - 0.00% - 12,142,989,638 364,289,689 4,626,830 90,495,756 344,663 287,196 - 95,754,446 10.00% 93,925,007 12,141,160,199 12,519,394,459 392,241,254 181,535,848 0.00% - 12,136,115,957 - 4,592,222 89,818,848 344,663 285,048 - 95,040,781 10.00% 96,775,093 12,137,850,269 12,425,750,468 - - 0.00% - 12,132,840,612 - 4,557,872 89,147,004 344,663 282,916 - 94,332,455 10.00% 96,748,975 12,135,257,133 12,332,806,935 - - 0.00% - 12,130,281,803 - 4,523,779 88,480,184 344,663 280,800 - 93,629,427 10.00% 96,728,571 12,133,380,947 12,240,558,618 - - 0.00% - 12,128,439,687 - 4,489,941 87,818,353 344,663 278,699 - 92,931,657 10.00% 96,713,881 12,132,221,912 12,149,000,318 - - 0.00% - 12,127,314,467 - 4,456,356 87,161,472 344,663 276,615 - 92,239,107 10.00% 96,704,909 12,131,780,269 12,058,126,874 - - 0.00% - 12,126,906,387 - 4,423,023 86,509,505 344,663 274,546 - 91,551,737 10.00% 96,701,654 12,132,056,305 11,967,933,162 - - 0.00% - 12,127,215,734 - 4,389,939 85,862,415 344,663 272,492 - 90,869,509 10.00% 96,704,121 12,133,050,347 11,878,414,099 - - 0.00% - 12,128,242,838 - 4,357,102 85,220,164 344,663 270,454 - 90,192,383 10.00% 96,712,312 12,134,762,766 11,789,564,638 - - 0.00% - 12,129,988,073 - 4,324,511 84,582,718 344,663 268,431 - 89,520,323 10.00% 96,726,228 12,137,193,978 11,701,379,770 - - 0.00% - 12,132,451,854 - 4,292,164 83,950,040 344,663 266,423 - 88,853,289 10.00% 96,745,875 12,140,344,439 11,613,854,525 - - 0.00% - 12,135,634,641 - 4,260,058 83,322,094 344,663 264,430 - 88,191,245 10.00% 96,771,255 12,144,214,650 11,526,983,968 - - 0.00% - 13,136,139,432 394,084,183 5,260,287 87,601,644 - 262,452 - 93,124,383 10.00% 101,606,938 13,144,621,987 13,474,791,761 419,627,504 176,555,150 0.00% - 13,140,386,148 - 5,224,569 87,006,825 - 260,670 - 92,492,064 10.00% 104,783,284 13,152,677,369 13,383,297,285 - - 0.00% - 13,148,470,241 - 5,189,094 86,416,044 - 258,900 - 91,864,038 10.00% 104,847,748 13,161,453,951 13,292,424,060 - - 0.00% - 13,157,275,339 - 5,153,860 85,829,275 - 257,142 - 91,240,277 10.00% 104,917,961 13,170,953,023 13,202,167,869 - - 0.00% - 13,166,802,732 - 5,118,865 85,246,490 - 255,396 - 90,620,751 10.00% 104,993,934 13,181,175,915 13,112,524,521 - - 0.00% - 13,177,053,754 - 5,084,107 84,667,662 - 253,662 - 90,005,432 10.00% 105,075,677 13,192,124,000 13,023,489,857 - - 0.00% -
- 12. 13,188,029,778 - 5,049,586 84,092,765 - 251,940 - 89,394,290 10.00% 105,163,201 13,203,798,689 12,935,059,742 - - 0.00% - 13,199,732,215 - 5,015,299 83,521,771 - 250,229 - 88,787,299 10.00% 105,256,518 13,216,201,435 12,847,230,072 - - 0.00% - 13,212,162,522 - 4,981,245 82,954,654 - 248,530 - 88,184,429 10.00% 105,355,639 13,229,333,732 12,759,996,770 - - 0.00% - 13,225,322,193 - 4,947,422 82,391,388 - 246,842 - 87,585,652 10.00% 105,460,576 13,243,197,117 12,673,355,786 - - 0.00% - 13,239,212,765 - 4,913,829 81,831,946 - 245,166 - 86,990,941 10.00% 105,571,342 13,257,793,165 12,587,303,098 - - 0.00% - 13,253,835,816 - 4,880,464 81,276,303 - 243,502 12,587,300,690 12,673,700,959 10.00% 105,687,948 685,822,805 - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% - - - - - - - - - 0.00% - - - - - 0.00% -