| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險系碩士班 === 106 === Taiwan has become an aging society in 1993. In the year of 2018, it entered the old age society and was estimated that the population will experience negative growth in 2019, where the population structure will be composed of the aging population and fewer children. In the future, elderly care and living expenses will increase, and the child support rate will decline. Therefore, people should do well-planned for the eco-nomic stability of retirement in old age, and the insurance gap can be supplemented by annuity insurance. In today's deposit and bond interest rates are very low, couple with the old age society, retirement is a problem that the public has to face, and the choice of a business annuity is very important. Deferred annuity has a low risk and is suitable for risk-avoiding purchases, and variable annuity is a good tool for planning retirement wealth management products with the functions of investment management and death payment, giving retirement planning a full range.
This study compares the policy value reserve for both deferred annuity and varia-ble annuity, and the theoretical premiums for two commodities. After simulated 10,000 times using Monte-Carlo simulation to pricing and sensitivity analysis of variable an-nuities, discussing influence of variables on theoretical premiums.
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