為了解現行國內市場中的商業年金商品是否適合購買做為退休規劃，本研究以MWR模型套用現行101年7月後適用第二回合年金生命表及100年簡易生命表來計算，另以各保險公司所推出之即期年金來做各項假設，推出之結果發現A保險公司所計算之金錢價值高於其他保險公司，這樣的結果發現，國內的年金商品所計算出的MWR數值雖然有高有低，但購買商業年金仍應取決於客戶需求，且業者對於年金保險商品的重視，也使國人更容易選擇年金商品做為未來退休規劃。 The population is aging even faster, this problem to be faced by the majority of countries. The same as is facing financial deficit and economic recession. The phenomenon of pension spending is still keeping on. Annuity insurance may helps to solve lack of insecure in personal life after retirement. A suggestion for people purchase annuity insurance as a long-term retirement planning.
The problem of an aging population leads to social insurance is imperfectly. Nowadays the people who purchase annuity insurance are not only for preparing their retirement life but also considerate for their investment and deposit. It is caused by the marketing of designing on the annuity insurance is prejudice. (Accomplishment as a consider)
In order to understand the domestic market currently, the annuity insurance suits to purchase to be used as retirement planning. This research is count by applying to the second round of life annuity tables after July 101 with MWR mode set and 100years simple life tables. Other insurance companies launched new immediate annuity to do any various assumptions. The results showed that an insurance company calculated value of money is higher than other insurance companies. These results found out the MWR data have its ups and downs are calculated by domestic annuity products, but purchasing annuity insurance should still depend on what customer needs. Insurer has gradually paid their attention to annuity products. It is easier for domestic people to choose annuity products as retirement planning.
