This study discussed about how to determine surplus in credit life insurance. In this case the risk model formed from amount of claim and number of claim with Bayesian method. Parameters of the number of claim and amount of claim are estimated with Monte Carlo Markov Chain (MCMC) technique. The result of parameter estimation are applied to collective risk model for determine premium that need to pay by insured person to insurer. In this study, the premium determined by 4 calculation premium principle. The result show the variance principle is the premium principle that given larger benefit for insurance company.