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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/110835

    Title: 影響台灣地區購買年金保險需求因素之探討
    Other Titles: A discussion for the determinants of annuity insurance purchasing intention
    Authors: 簡如翊;CHIEN, JU-YI
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 年金之謎;逆選擇;遺產動機;Annuity Puzzle;Adverse Selection;Motivation Heritage
    Date: 2016
    Issue Date: 2017-08-24 23:37:13 (UTC+8)
    Abstract: 21 世紀為人們長壽時代,而隨著社會結構的改變,家庭功能式微,退休者
    It is obvious that the 21centery is characterized by aging society. However, with
    change of social structure and decline of family functions, how to guarantee the life
    standard and financial security for retirees has became a foremost consideration in the
    future. Regardless of the social insurance or financial planning, annuity insurance can
    be pinpointed as a weapon to alleviate the longevity risks in different aspects.
    This research discussed that the factors about influencing Taiwanese to purchase the
    annuity insurance in insurance necessity. At the same time, we could search the
    possible reasons via literatures of scholars. Furthermore, according to survey, it can
    assist to clarify the critical points in impacting Taiwanese to choose the annuity

    According to the research results, the significant factors with regard to the major
    impact of the purchase in annuity insurance include:
    1. “The premiums will decrease the budget in life”
    2. “Considering the pension payments is relatively low”
    3. “Estate rental income will higher than annuity payment for retirement life”
    4. “Family supporting function”
    5. “The general public unfamiliar the products of annuity insurance”
    6. “The annuity insurance products with higher insurance premium is more likely to
    attract the public. “
    The more agreement by people in above five factors, the less necessity in annuity
    insurance products.On the contrary, the more agreement by people in sixth factor, the
    more necessity will increase.
    However, between two genders, there are more female tend to purchase annuity
    insurance products.

    On the other hand, there are four less influential sources in purchasing annuity
    insurance products includes: education level, marital status, number of children and
    retirement system.
    Appears in Collections:[保險學系暨研究所] 學位論文

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