因此，本論文針對此種狀況，提出複合式後項關聯式法則探勘演算法，發掘出這類有用的規則。並將此法則運用於保險業的產品組合及行銷。由實證結果顯示，主要險種搭配特定的附險銷售時，消費者除了主險外也會一併購買附險。 The association rule is one of the frequently adopted techniques in data mining. However, it practically limited to the minimum support and confidence for newly marketed products.
When association rules A→B and A→C can not be discovered from the database, it does not mean that A→B∨C will not be an association rule from the same database. In fact, when A is the newly marketed product, A→B∨C shall be a very useful rule in some cases.
Therefore, we propose a new and very simple algorithm to discover this type of rules. Since the consequent item of this kind of rule is formed by a disjunctive composite item, we call this type of rules as the disjunctive consequent association rules. Moreover, when we apply our algorithm to insurance policy for cross selling, the useful results have been proven by the insurance company.