因此，對於往後主管機關開放產險業銷售長期保單，本文提出以下建議做為參考：保費躉繳並專設專戶，並於每年依損失率調整帳戶額度；保險金採定額給付方式，避免保險標的價值變動造成問題；將保險期間適度縮短等，使長期非壽險保單得以穩健發展。 Long-term policy, implemented by Taiwanese non-life insurance company in 1976, originated from operating long-term fire insurance in Japan due to the non-life industry making investment gain. Since then, the non-life insurance company had issued long-term residential fire insurance and savings-type fire insurance, but stopped because of lots of problems. In the field of auto insurance policy, the three-years long term policy for private passenger auto and commercial auto issued since 1992, but stopped selling at 1998 due to implementation of compulsory auto liability insurance and poor sales. In 2015, the Insurance Commissioner had allowed non-life insurance company to operate three-years policy period of accident and health insurance. We can infer that non-life insurance company definitely must have some difficult issues about operating long-term property insurance. However, there must be market demand of long-term non-life insurance policies when three-year accident and health insurance are launched again. What did the deficiencies of long-term non-life insurance policies have or was there a room for improvement to arouse author’s interest in studying.
The main problem of implementation of long-term non-life insurance policy is the deficiency of pricing technique in the past. There are many issues which need to be overcome. For example, rate-making on the long-term fire insurance are inaccurate since the rate structure fixed at a constant ratio and difficult prediction for expected annual losses of long-term insurance period; commission rate is too high, causing the insurance company is difficult to maintain a reasonable return.
As a result, with regard to non-life insurance company operating long-term policies in the future, we propose the following recommendations as a reference: executing single premium payment and setting dedicated accounts that adjust the amount of accounts by the loss ratio every year; the insurance period is set short moderately that makes long-term non-life insurance policies to develop soundly.
