PERBANDINGAN PROFIT TESTING MODEL DETERMINISTIK DAN STOKASTIK PADA ASURANSI UNIT LINK

VALERIA TRISNA YUNITA (Udayana University)
I NYOMAN WIDANA (Udayana University)
LUH PUTU IDA HARINI (Udayana University)

E-Jurnal Matematika
Vol 7 No 2 (2018)

Profit testing is a method to find out the potential loss or gain of unit link life insurance product. Unit-link life insurance is a combination of life insurance and investment. The aim of this research was to determine the potential benefits or losses of unit-linked life insurance products using a deterministic model and stochastic model. The calculation result using these model for a policy issued to a life aged 35, 45, and 55 and the benefit is paid till age 99 showed that the profit which insurer can claim only for insurance issued to a life age 25 years old.