The Research of the Correlation between Investment-Type Insurance and Life Stage Risk Management

• Main Authors: LEE SU CHING, 李素卿
• Other Authors: 羅正忠
• Format: Others
• Language: zh-TW
• Online Access: http://ndltd.ncl.edu.tw/handle/30957677824859750650

碩士 === 國立高雄應用科技大學 === 商務經營研究所 === 100 === The first introduced Manulife life insurance sell of "life is beautiful life insurance", Since in November 2000 by the Ministry finance of approved 。Since then It started a wave of investment-type insurance of agitation。 It has many-sides of function: Such as: Insurance、investments、 tax, short term loans, financial planning and clear of cost。Attracting innumerable of consumers of good graces, but investment-type insurance is so good really? Life tasks and responsibilities are not immutable, when sales should return the nature of insurance, According to the customer's age, health; family and financial situation do stages financial planning. First of all It must meet the demand of ensure, Second matching investment plan, The text is according to in the life cycle of the family life made has four items research assumptions: in order I.Consumer purchase of motivation and investment between haven’t correlation. II.The investment-type insurance; it than regularly life insurance and fund separate purchase better. III.The Investment- type insurance and life stage risk management insurance planning between haven’t correlation. IV.The Investment- type insurance and life stage risk management old-age pension planning between haven’t correlation. Secondary data collected through empirical research, In SPSS and Excel analysis on validation of results for: I consumers purchasing of Motivation and investment-type insurance essence be inconsistent with. II 1. Insurance in respect: The investment-type insurance Better than regularly life insurance and fund separate purchase. 2. in investment of result in respect: (1.) In the case of 8%: It is better than regularly life insurance and fund separate purchase (2.) In the case of 0%: it hasn’t investment remuneration; cost is the only factors that affect the account value. (3.) In the case of -8%, the initial stage; it than regularly life insurance and fund separate purchase better. III.According to Research data to display: Nesting for the period of ; Investment-type insurance not only offer to cheaper premiums but also guarantee higher advantage; Validation Investment-type insurance and insurance planning between have relation of great. IV. In Return investment is + circumstances; for old-age pension planning is helpfully ;otherwise it no helpfully 。Validation the Investment- type insurance with for old-age pension planning between are relation uncertain In a word: In Life stage, unless there is a special risk management needs, I suggest investment go back to investment, insurance go back to insurance.