CALCULATION OF CREDITED INTEREST RATE WITH INVESTMENT YEAR METHOD AND PORTFOLIO METHOD

The rate of return on investment for unit-linked insurance products in Indonesia is still volatile and depends the instruments performance. However, net that given to policyholders projected at beginning year used as a benchmark choosing right instrument, referred credited interest rate. Interest rates movements affect yield Therefore, calculation requires appropriate methods reduce risk loss, which are Investment Year Method Portfolio Method. Research shows more unstable condition, whereas better utilized stabilized environment. In addition, this research also strategy manage with asset rollover suit fluctuating