Unit-linked endowment insurance with a minimum guarantee not only provides life protection to customers until the end of the insurance contract period but also provides investment protection, especially stock investments that have high returns and high investment risks, so call options are needed to protect investments. This study discusses premiums' calculation along with the caps and floor limits of premiums on unit-linked endowment insurance products with minimum guarantees using Monte Carlo simulations with stochastic and continuous model and numerical methods. Unit-linked insurance with stock investment and mortality tables in this study shows that in addition to gender, the customer's initial age has a policy, insurance contract, and amount minimum guarantee, the caps and floor limits of the premium are influenced by the proportion of investment from the premium. The interval between the caps and floor limits of the premium is more comprehensive if the premium's investment proportion is small so that the insurance company can use the caps limits of the premium.
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