| Summary: | 碩士 === 逢甲大學 === 風險管理與保險研究所 === 97 === For life insurance companies, agents'' low retention ratio not only damages insurance company’s reputation and increases training cost but also affect seriously insured''s rights. It is an important subject that how to improve agent''s retention. This research wants to find out the characters of life insurance agents who have higher retention, and expects that life insurance companies could choose and keep employees effectively in order to decrease their lost of cost.
The sample of this research is survey conducted from nation-wide life insurance agents in seven life insurance companies in Taiwan. 310 copies completed and returned from 400 questionnaires in total sent out. Through differential analysis, correctional analysis, regression analysis, the empirical findings of the present study are as the following:
1.Risk-preference, compensation system, and job satisfaction are significant related to retention partly.
2.When considering the effect of risk-preference and compensation system to retention at the same time, only financial compensation and nonfinancial compensation have positive influences to retention .
3.When considering the effect of risk-preference and compensation system to job satisfaction at the same time, nonfinancial compensation has positive a influence to job satisfaction, and financial compensation has a positive influences to internal satisfaction and general satisfaction.
4.Job satisfaction has a positive influence to retention.
5.Under some specific situations, job satisfaction has an intermediate effect to risk-preference and compensation system for turnover intention. Job satisfaction has a stronger effect to retention than risk-preference and compensation system.
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