Abstract:
This paper discusses the premium of whole life insurance unit link by using point to
point method as an indexing method to calculate the value of the investment based
on the value of the benefits. To solving the problem is obtained by determining the
volatility of the stock price and the value of the benefits by the investment return,
then the premium formula is obtained based on the point to point method. This
analysis produces the value of premium whole life insurance unit link by using point
to point method is bigger, the value of the benefits more profitable, and more stable
profit every year than the value of premium whole life insurance unit link by using
ratchet compound method.
