생명보험상품에 대한 부정적/긍정적 프레이밍 효과 연구 (A Study on the Negative/Positive Framing Effect of the Life Insurance Product)

2019 ◽  
Author(s):  
Ho Won Lee
Keyword(s):  
Life Insurance ◽  
Framing Effect ◽  
Insurance Product

scholarly journals Tanggung Jawab Hukum Perjanjian Asuransi Jiwa Unit Link di PT. Prudential Life Assurance Jakarta

Wajah Hukum ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 61
Author(s):  
Christine Magdalena Kurniasih Sena ◽  
Suherman Suherman
Keyword(s):  
Life Insurance ◽  
Financial Services ◽  
Legal Liability ◽  
Voluntary Agreement ◽  
Legal Research ◽  
Conceptual Approach ◽  
Life Assurance ◽  
Insurance Product ◽  
Circular Letter ◽  
Insurance Agreement

This study aims to determine and understand how the legal liability of the Prudential Life Assurance Company in carrying out and marketing unit-linked life insurance products, namely insurance products that are linked to investment according to the prevailing laws and regulations. In addition, this study also aims to determine how the responsibility of agent who act for and on behalf of the company in entering into unit-linked insurance product agreements and what risks must be borne by the insurer and the insured against the unit-linked life insurance agreement. This research uses normative legal research with a statutory approach and a conceptual approach. The result of this research is that the unit linked insurance agreement is included in the agreement in general which contains the principle of consensualism, namely the existence of a voluntary agreement in this case to enter into an insurance contract agreement between the insurer and the insured. Prudential Indonesia in marketing unit-linked life insurance products has also complied with the provisions in the Financial Services Authority Circular Letter Number /SEOJK.05/2019 concerning Insurance Products Related to Investment.

Variable Life Insurance Product Design

1971 ◽  
Vol 38 (4) ◽  
pp. 527
Author(s):  
Walter N. Miller
Keyword(s):  
Product Design ◽  
Life Insurance ◽  
Insurance Product

scholarly journals PENGELOLAAN DANA TABARRU’ ASURANSI JIWA SYARIAH DALAM PEMBIAYAAN MURABAHAH DI BANK SUMSEL BABEL CABANG SYARIAH BATURAJA

2017 ◽  
Vol 13 (1) ◽  
pp. 25-38
Author(s):  
Muhammad Iqbal
Keyword(s):  
Life Insurance ◽  
Research Method ◽  
Qualitative Method ◽  
Islamic Law ◽  
Insurance Fund ◽  
Insurance Company ◽  
Operational Principle ◽  
Insurance Product ◽  
Conducting Research ◽  
Modern Era

The existence of insurance in the modern era which is the embryo of conventional insurance based gharar, maysir, and usury ', making Islamic legal experts react by conducting research and analysis of the issue. The result proves that in Islamic law contains substance of insurance which can avoid the operational principle of gharar, maysir, and usury element '. This study aims to explain how the management of tabarru funds' sharia life insurance in murabahah financing in Bank Sumsel Babel Branch Sharia Baturaja. Insurance company that made the object of research is PT. Asuransi Bangun Askrida Unit Syariah. The research method used is descriptive qualitative method. The results concluded that the Management of Tabarru 'Sharia Life Insurance Fund PT. Asuransi Bangun Askrida Syariah Palembang Unit in Murabahah Financing at Bank Sumsel Babel Branch Sharia Baturaja uses insurance product mechanism with non saving element which separates the contribution fund into two parts, that is 42,5% for ujrah manager, and 57,5% for investment of tabarru fund '. If there is an underwriting surplus at the end of the period closing, it will be allocated 30% for Managers, 30% for tabarru 'funds reserves, and 40% for Participants who meet the requirements of obtaining surplus incentives. However, if there is an underwriting deficit in the management of the tabarru funds 'funds, the Insurance Company is obliged to cope with the shortage of tabarru' funds in the form of loans (qardh).

scholarly journals Valuation of Large Variable Annuity Portfolios Using Linear Models with Interactions

2018 ◽  
Author(s):  
Guojun Gan
Keyword(s):  
Linear Regression ◽  
Life Insurance ◽  
Predictive Models ◽  
Regression Models ◽  
Linear Models ◽  
Insurance Companies ◽  
Linear Regression Models ◽  
Insurance Product ◽  
Valuation Process ◽  
Speed Up

A variable annuity is a popular life insurance product that comes with financial guarantees. Using Monte Carlo simulation to value a large variable annuity portfolio is extremely time-consuming. Metamodeling approaches have been proposed in the literature to speed up the valuation process. In metamodeling, a metamodel is first fitted to a small number of variable annuity contracts and then used to predict the values of all other contracts. However, metamodels that have been investigated in the literature are sophisticated predictive models. In this paper, we investigate the use of linear regression models with interaction effects for the valuation of large variable annuity portfolios. Our numerical results show that linear regression models with interactions are able to produce accurate predictions and can be useful additions to the toolbox of metamodels that insurance companies can use to speed up the valuation of large VA portfolios.

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