Explore the key factors of life insurance policies of elderly consumers to buy

• Main Authors: Guo, Yan Jie, 郭嚴介
• Other Authors: Lai, Ting-Chang
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/82918275516038529483

碩士 === 玄奘大學 === 企業管理學系碩士班 === 102 === 　Internationally, the ratio of the total population will be over 65 years to reach 7%, 14%, 20%, are called aging society, an aging society, super-aged society. Our country when in 1993, becoming an aging society. When in 2018 is expected to become an aged society. When in 2025 is expected to become the super-aged society. Population aging index is a measure of the degree of aging of the population in an area. Our country during 1960, about 5.5 percent, is the lowest point. With the rapid increase in the elderly population is expected during 2060, an increase of 401%. Dependency ratio refers to the proportion of the population every hundred productive adults without dependents or burden of production capacity. Of the Republic of China in 2000, the dependency ratio is 42%. In 2012, about 35 percent, is the lowest point. With the rapid increase in the elderly population is expected during 2060, an increase of 97%. 　In this study, the research scope Hsinchu area to explore "the key factors of elderly consumers to purchase a life insurance policy." Through expert questionnaire, and AHP AHP, interviews government officials, academic experts, industry experts. "The purchase of life insurance policies Factors" literature there are 72. After finishing, "life insurance policy of buying factors," about 289. After induction for 42 classes. The expert assessment and changes in, pick out the 21 "key factor" to explore further the do. 　Conclusion This study shows that the most critical factors of elderly consumers to buy life insurance policy is that "commodity function", especially commodity function of "savings." Recommendations for elderly consumers, because the key factors of elderly consumers to purchase a life insurance policy is a "commodity function" and "commodity function - savings", so the insurance company can strive to design more savings-type insurance policies, for example, annuity type policy, value-added insurance, principal type of policy to choose, to meet consumer demand. Also, the government may seek to establish more savings insurance policy of preferential tax reduction, to enjoy their twilight years of life, and thus promote social stability and economic prosperity.