| Summary: | 碩士 === 東吳大學 === 商用數學系 === 95 === The main purpose of this study is to explore the characteristics of the
traditional insurance experience mortality, and to provide reference of the
business strategy for the insurance company.
In this study, we adopt seriatim method to improve the correctness of the
outcome. Using appropriate graduation methods, we obtain the following
conclusions.
For the insurance companies without enough number of business policies,
it is inappropriate to maintain the liquidity of the cash flow by selling the
short-term endowment.
As regards the insurance companies with a great quantity of business
policies, the liquidity of the cash flow is not a major decision issue. The
investment department should pay more attention to allocate assets so that the
lowest required of capital should be reached. The strategy of selling the
short-term endowment and the whole life insurance is efficient.
The highest age of the whole life insurance is seventy-seven. Because the
mortality rate of the age higher than seventy-seven is still not stable, the
insurance companies should keep on paying attention and observing to control
the risk of the potential high mortality.
Keywords：endowment, whole life, seriatim method, exposure, mortality rate ,
graduation, claim index
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