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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105217

    Title: 影響人壽保險保單失效因素之探討
    Other Titles: To study of the factors that affect the life insurance policy to lapse
    Authors: 楊芳純;Yang, Fan-Chun
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    汪琪玲;Kili C.Wang
    Keywords: 保單失效;繳費頻率;扣繳繳費;銷售通路;lapse;frequency of paying fees;withholding insurance premium;Channel
    Date: 2015
    Issue Date: 2016-01-22 14:50:35 (UTC+8)
    Abstract: 本研究利用台幣傳統型保單,分析人壽保險保單失效之因素,建立羅吉斯迴歸(Logistic regression)模型及最小平方法迴歸(Ordinary Least Square,OLS)模型,分析被保險人購買單一契約及同時購買兩種契約之停效機率、停效且終結機率、停效保單終結機率及停效到終結之反應時間;我們並從保單持有人及銷售通路特性找出影響保單失效之關鍵因素,本研究之結論如下:
    This study uses traditional police to analyze the factors affecting life insurance policy lapse, establishing logistic regression model and ordinary least square (OLS) model to analyze the probability of lapse, the probability of no continue, the probability of end, and the response time from lapse to end in situations that insured purchase only one contract and that purchase two contracts at the same time.
    We find the key factors affecting lapse with the characteristic of policy owner and marketing channel. In the product characteristic analysis, the results indicated that the starting year of repaying principal has no significant relation with lapse, which means it cannot be deduced that the lapse rate of buying two polices simultaneously is lower than buying one police only.
    The result of the characteristic of policy owner analysis shows that age, the frequency of paying fees, withholding insurance premium, place of residence, health condition, and having loan or not have relation to lapse. Paying fees annually and withholding insurance premium have significant relations with lapse.
    The result of the characteristic of marketing channel analysis shows that insurance agents have more possibilities for failure than two level channel. In the professional of salesman part, age, seniority, and educational status have significant relations with lapse.
    We suggest that life insurance companies should continue to analyze the factors of the policy lapse and to establish early warning and management mechanism.
    Appears in Collections:[保險學系暨研究所] 學位論文

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