H. Hasriati, V. Nayunda, H. Sirait, and I. Hasbiyati, “PROSPECTIVE RESERVE AND FULL PRELIMINARY TERM RESERVE ON ENDOWMENT LAST SURVIVOR LIFE INSURANCE USING CLAYTON COPULA”, BAREKENG: J. Math. & App., vol. 18, no. 4, pp. 2479-2490, Oct. 2024.