Savings, had been first-chose by the people and became one of important financial tools, however, due to the interest rate is declining, it is resulted in the deposit rate not attractive to conservative investors gradually, plus feeling pessimistic about the economic situation in the future, then following in Japan’s footsteps of zero interest rate. The life insurance company has launched a deposit insurance product with a feature of return rate guarantee in one year, which is slightly better than a fixed despite, this will be in support of the conservative investors; considering with the bank idle funds can not be operated efficiently to gain the profits, and after deregulation, whether financial holding company co-marketing model or bank cross-line cooperation, the bank established the insurance agency to promote the deposit insurance and recommend their bank accounts to make contracts; transferring the pressure of fund operation to the life insurance company then they can obtain a stable and substantial commission income. The result we can see is Premium income to the life insurance industry within a few years have been already beyond broke trillion levels, consequently, the due annually Maturity Payment also steadily increased. For life insurance companies, how to make the return of the Maturity Payment to maintain the income from insurance premium continuously, also becoming important business strategy issues for them.
In this thesis, we were taking T company as an example and using its database available which is in accordance with the assumptions of the policy cases from a period of time. , by statistical methods, to create a combination of multi-variable model and proved that T life insurance company, the factors which influence the return of Maturity Payment then we can submit the conclusions and recommendations to improve the Backflow ratio and enhance the profitability of insurance industry, This is the purpose of our research.