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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87349

    Title: 臺灣商業年金保險金錢價值比率之探討
    Other Titles: The money's worth ratio of annuity insurance in Taiwan
    Authors: 張佳平;Chang, Jia-Ping
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Miao, Cheu-Yu
    Keywords: 年金保險;年金市場;金錢價值比率;人口老化;Annuity insurance;Annuity market;Money's Worth Ratio;Aging population
    Date: 2013
    Issue Date: 2013-04-13 10:59:02 (UTC+8)
    Abstract: 人口快速的老化,正是目前多數國家所要面臨的問題,同樣的,面臨政府財政赤字及經濟的不景氣,退休金的消耗現象仍持續著,未來也許商業年金可協助減緩及解決個人對於退休後生活上所喪失的安全感,建議國人可購買商業年金商品做為長期退休規劃。


    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.
    Appears in Collections:[保險學系暨研究所] 學位論文

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