Application Of Annual Ratchet Method And Black-Scholes Model In The Calculation Of Single Net Premium Of Unit-Linked Endowment Life Insurance. Indonesian Actuarial Journal, [S. l.], v. 1, n. 1, p. 20–32, 2025. DOI: 10.65689/iajvol01no1pp020-032. Disponível em: https://iaj.aktuaris.or.id/index.php/iaj/article/view/22. Acesso em: 7 feb. 2026.