| Summary: | 碩士 === 國立交通大學 === 經營管理研究所 === 103 === This study focused on the comparative analysis of all types of personal insurance income trends in Taiwan. We based on the Prospect Theory to predict the insurance income trends of four insurance types and used Multiple Regression model to test the hypothesis. Prospect Theory suggested that people will become risk-averters when they have gains, and they will become risk-lovers when they have losses. In our study, that means when people need to decide whether to buy the insurance or not, they will evaluate the situations and form the different risk attitudes toward different types of insurance, and that will influence the insurance income trends of all types of personal insurance. Our major empirical results are: First, the whole personal insurance income trend was increasing during last decade when we excluded the economic factors. Second, the insurance income trends of four types of personal insurance were different, and all confirmed the hypothesis. We hope the results of this study can help the insurance companies to apply different product strategies to different insurance types, that might improve the future development of insurance industry.
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