Premiums, investment and distribution

Premiums, investment and distribution

Bachelor of Business Studies (BBS) — Fourth Year

Subject: Insurance and Risk Management (FIN 254)

Unit 4: Life Insurance

Academic Year: 2083/84

Topic Objectives

After studying this topic, students should be able to:

• Explain the scope and key elements of premiums, investment and distribution.
• Apply the relevant financial concepts or calculations and explain their assumptions, risks and analytical limits.

Curriculum Scope

• Determining the premium of life insurance
• Principles of investment of life fund
• Distribution channels for life insurance

Detailed Microsyllabus

1. Premium foundations

   1. Mortality or other contingent assumptions.
   2. Expenses, benefits and valuation inputs.
   3. Use the prescribed calculation approach.

2. Funds and distribution

   1. Principles of life-fund investment.
   2. Distribution channels.
   3. Assess trade-offs without quoting invented premium rates.

---

Curriculum reference: Tribhuvan University, Faculty of Management, revised four-year BBS curriculum, PDF pages 92–96.

Source note: The curriculum scope above is retained from the existing TU syllabus breakdown. The numbered study subtopics are editorial elaborations for teaching and study, rather than a separately issued TU syllabus. Unit or component allocations apply at their stated level; no separate topic hours or marks are assigned here. Examples involving current laws, rates, institutional products or Nepalese status must identify the relevant period and official materials; no changing numerical or legal requirements are invented here.