| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 100 === As medical technology advanced, the people of Taiwan for nearly a decade increase in average life expectancy of 2.31 years as of 2011 has reached 79.16 years, the data of Executive Yuan shows that Taiwanese society will be into "aging society" in 2017, into "super-aged society" in 2026. First of all, as the postwar baby boom leave the labor market, it will point out the future of elderly care "survival" and "long-term care". Secondly, the popularity of the concept of investment and aging trends, will let people use the "insurance" to transfer personal survival risk to the life insurance companies. However, the 2008 financial tsunami has caused market interest rates remain at low level, the life insurance industry in a very low interest rates, deterioration in the investment environment, faced with the decline in value of investment losses, asset impairment and asset return on investment rate and other issues, this study by collecting life insurance companies, underwriting, marketing, management, RBC, risk management, aging and long-term care and other related information, to explore the life insurance companies in the aging trend of the future insurance products and rate structures will be how to develop? Marketing strategies need to how to respond? How the life insurance funds and the investment strategies of RBC system will be change? And how to take into account the underwriting profit and risk providing future business policy of the life insurance business, Provide to the future of Life insurance business development advice, as the objectives and directions of the reference of the sustainable management of the life insurance industry.
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