| Summary: | 碩士 === 逢甲大學 === 統計與精算所 === 93 === The premium rating of Life Savings Insurance is increasing progressively, many Credit Unions consider that as a heavy burden which causes that Credit Unions show less inclination to participate in Life Savings Insurance. Therefore, events concerning Credit Union premium rating will be discussed and the main reason that causes premium rating raised progressively will be found out. Furthermore, the potential risk on the future management and the premium collected to cover potential risk will be predicted in the text.
The studying data are 10 Credit Unions selected in 292 Credit Unions joining Life Savings Insurance. By analyzing the age structure, the death, and the premium, the result shows that the variation of the age structure of Credit Union is the increasing of elder population ratio or the decreasing of prime population ratio, and the speed of population aging is quick than the people in Taiwan. Besides, expected death rate and premium rating are positive correlated. With the trend of aging in the age structure of Credit Union, the uprising of expected death rate and premium rating is expectable. In conclusion, based on the premium collected by the members of Credit Union, the total premium should be between 120 million and 128 million in order to undertake the coming potential risk. In this text, the prediction of total premium of all Credit Unions should be 123 million in order to undertake the coming potential risk.
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