A*B:C, where A - number of years of insurance experience, B - average earnings per year, C - number of pension points

A*B*C, where A - number of years of insurance experience, B - value of one pension point, C - fixed payment

A+B*C, where A - number of years of insurance experience, B - value of one pension point, C - fixed payment

A*B+C, where A - number of pension points, B - value of one pension point, C - fixed payment