SIRINGO RINGO, Aris Pransisco; ZULKATRI, Eli; IRSANDHA, Ahmad Rhandy; RALDIE, Brayen Endo; RUMENGAN, Novia Ramadhany; DESEMBER, Natalie Mawar Desember; PUTRI, Beby Griselda. Endowment Life Insurance Premium Model Based on Indonesian Mortality Using Multiple Decrement and Interest Rate Sensitivity. SPECTA Journal of Technology, [S. l.], v. 10, n. 1, p. 8–18, 2026. DOI: 10.35718/specta.v10i1.8481947. Disponível em: https://journal.itk.ac.id/index.php/sjt/article/view/8481947. Acesso em: 2 may. 2026.