“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 1, no. 1 (August 5, 2025): 20–32. Accessed February 7, 2026. https://iaj.aktuaris.or.id/index.php/iaj/article/view/22.