HIKMAH, Y. Valuation of Actuarial Liability Using Markov. KnE Social Sciences, [S. l.], v. 3, n. 11, p. 1501–1511, 2018. DOI: 10.18502/kss.v3i11.2864. Disponível em: https://knepublishing.com/index.php/KnE-Social/article/view/2864. Acesso em: 31 oct. 2025.