MUTIYA , Fenni Kurnia. Premi Tahunan Asuransi Long Term Care Dwiguna Menggunakan Model Multistate. Jurnal Pendidikan dan Konseling (JPDK), [S. l.], v. 5, n. 1, p. 5190–5205, 2023. DOI: 10.31004/jpdk.v5i1.11828. Disponível em: https://journal.universitaspahlawan.ac.id/index.php/jpdk/article/view/11828. Acesso em: 19 dec. 2025.