MAGISTRAWATI, HUSNUL FAUSIAH (2025) PENERAPAN METODE ANNUAL RATCHET DAN MODEL BLACK-SCHOLES DALAM PERHITUNGAN PREMI TUNGGAL BERSIH ASURANSI JIWA DWIGUNA UNIT LINK = THE APPLICATION OF THE ANNUAL RATCHET METHOD AND THE BLACK-SCHOLES MODEL IN CALCULATING THE NET SINGLE PREMIUM FOR UNIT LINKED ENDOWMENT LIFE INSURANCE. Skripsi thesis, Universitas Hasanuddin.