Kalkulacja składki w inwestycyjnych ubezpieczeniach na życie typu unit-linked
Correct calculation of net premium in unit-linked investment insurance

Summary/Abstract: Together with the development of insurance market in Poland classic life insurance, which main objective is to ensure protection, began to lose popularity. In contrast, insurance guaranteeing protection of life with the investment part of premium, so-called investment insurance, becomes more and more popular. It includes unit-linked insurance, empowerment insurance and equity-linked insurance. In these kinds of products the first feature helps satisfy formal requirements benefiting the beneficiaries, and the most important feature is the basic assumption that investment is long-term bringing in real profits. In contrast to the classical (traditional) life insurance, in investment insurance not only the moment of payment is random but also the amount of the benefit. Hence, the insurer making the calculation should take into account both risks: – the risk of events covered by the contract, – the risk of investment. Insurance companies offering investment insurance quote special form in which the policyholder bears the risk. It was essential to make way for the valuation of this type of insurance and the calculation of net premium.

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