ANALISIS PRODUK ASURANSI UNIT LINK DI INDONESIA

I NYOMAN WIDANA; KETUT JAYANEGARA

doi:10.24843/MTK.2019.v08.i01.p233

ANALISIS PRODUK ASURANSI UNIT LINK DI INDONESIA

I NYOMAN WIDANA Udayana University
KETUT JAYANEGARA Udayana University

DOI: https://doi.org/10.24843/MTK.2019.v08.i01.p233

Abstract

This paper presents a unit-linked insurance which is a modern insurance. The policyholders will get benefits of insurances and investment. The aim of this research is to analysis of unit link insurance products in Indonesia. Especially to analysis the mortality cost, premium, return, and profit of the product. The method used is a stochastic profit testing method and the results of the study show that mortality cost offered by the three unit link companies selected as the sample of this study are greater than the insurance costs calculated based on the Indonesian Mortality Table. From comparing different unit linked insurance plans, only one plan is sufficient to fund the guarantee. While others have to do a Top-up premium.

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Author Biographies

I NYOMAN WIDANA, Udayana University

Program Studi Matematika, Fakultas MIPA – Universitas Udayana

KETUT JAYANEGARA, Udayana University

Program Studi Matematika, Fakultas MIPA – Universitas Udayana

Published

2019-02-02

How to Cite

WIDANA, I NYOMAN; JAYANEGARA, KETUT. ANALISIS PRODUK ASURANSI UNIT LINK DI INDONESIA. E-Jurnal Matematika, [S.l.], v. 8, n. 1, p. 42-47, feb. 2019. ISSN 2303-1751. Available at: <https://ojs.unud.ac.id/index.php/mtk/article/view/46512>. Date accessed: 19 nov. 2024. doi: https://doi.org/10.24843/MTK.2019.v08.i01.p233.

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