A Study on the Situation of Purchasing Investment Oriented Insurance Product

• Main Authors: Yi-Chien Chen, 陳怡蒨
• Other Authors: Jin-Ying Wang
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/78901865809830098426

碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 97 === Investment-oriented insurance products have function of investment, tax and insurance, they once were the popular insurance products. However the United States took place the subprime mortgage that made the subprime mortgage-related investment-oriented insurance products result huge loss in the second half of 2007.So it triggered the disputation of investment-oriented insurance products. The study analyzes the following topics through questionnaires distribution: the basic characteristics of the consumer and cognitive degree about investment-oriented insurance products, evaluation criteria about purchasing investment-oriented insurance products, the relationship between consumers’ will and purchasing disputation as buying investment-oriented insurance products. We also compare consumers who have purchased or who will purchase investment-oriented insurance products with consumers who do not purchase it to discuss the differences in their cognitive degree and evaluation criteria about investment-oriented insurance products. The results of the study find that: 1. Career for the financial industry, the average monthly income of 100,001 dollars or more, life insurance purchasers have higher insurance awareness about investment-oriented insurance products. 2. Age of 46-50 years old, career for the financial industry, education level for the graduate school would consider more factors in buying investment-oriented insurance products. 3. Male gender, age of 41-45 years , marital status for the other, raising children, career for the financial industry or housewife, level of education for the junior college, the average monthly income of 40,000 -6 0,000 and 100,000 dollars, and the life insurance purchasers have higher willingness to buy investment-oriented insurance products. 4. Age of 46-50 years, marital status as single, not raising children, career for the financial industry, level of education for the graduate school, and the life insurance purchasers would consider more arguments in investment-oriented insurance products. 5. The respondents who have bought and will buy investment-oriented insurance products in the future have the highest awareness and consider more factors.