受到金融海嘯的衝擊，新金融商品反而為人所質疑，而傳統式的躉繳型保單、傳統壽險保單與分紅保單反而重新為投資人所青睞，本研究針對上述保險商品分別建立保單訂價模型，並經理論推導與數值分析後得到以下之研究結果，其一對公司而言，傳統壽險保單所能創造的利潤還是最可觀，其二自發性需求與誘發性需求對傳統壽險保單及分紅保單的價格與總利潤現值影響均較大，其三壽險公司應盡可能增加消費者之自發性需求並減少誘發性需求，再搭配最適訂價策略，才能創造最大利潤。 Suffering from banking crisis nowadays, new financial commodities are suspicious by many investors. Therefore, trading insurance commodities including pay insurance fee by whole payment or installment payment become trustworthy financial commodities by investors again. By way of the derivation of theoretical models and numerical analysis, several important finding are shown as below: First of all, the profit from traditional insurance policies is higher than other insurance policies. Secondly, the effect of initiative demand and induced demand are main concerns for price and profit of traditional policies and bonus policies. Thirdly, insurance companies might make progress to increase initiative demand and decrease induced demand to make maximum profit by adopting appropriate pricing strategy.
