保單質借對儲蓄型壽險商品分期繳保險費之影響

The Impact of Policy Loan on Premium Payment in the Case of Savings-Type Life Insurance

葉永全(Yung-Chuan Yen)

指導教授 ： 汪琪玲

淡江大學/商管學院/保險學系保險經營碩士在職專班/碩士(2014年)

https://doi.org/10.6846/TKU.2014.00063

摘要

本研究以探討儲蓄型壽險商品為主題，希望瞭解目前國內儲蓄型壽險商品保單的持續繳費與否，是否受到保單質借、以及其他因素的影響，提供壽險公司日後在開發保險商品時，設計更符合消費者需求的商品，以維持保單的繼續率，同時降低保險契約中途終止所可能產生的流動性風險。另外，也可以讓消費者在選擇儲蓄型壽險商品前，做為保險規劃或退休理財的需求性與適合度之自我檢視。
本研究以國內某壽險公司於1996年到2006年承保的傳統儲蓄型壽險商品為研究資料，並將險種分為增額終身壽險、養老保險、還本終身保險三種契約，以保單有無質借等六項變數建立研究假說，並利用羅吉斯迴歸分析，經實證結果發現：
有保單質借的保險契約、繳費方式為自行繳費者、繳費頻率相對較高者、保單預定利率相對較低者、保單借款利率相對較低者、以及保單首次質借年在保單期間愈末端者，不續繳的機率較高。

關鍵字

儲蓄型壽險商品 ； 增額終身壽險 ； 養老保險 ； 還本終身保險 ； 羅吉斯迴歸分析

並列摘要

The main theme of this study focuses on the savings-type life insurance. It tends to research on the policy loan and other factors which impact on premium payment of domestic savings-type life insurance, providing life insurance companies when design products in the future. that the consumer groups can maintain persistency rate and avoid termination of contract in order to decrease the cash-flow risk. There is also provided to the consumers as the insurance planning or retirement savings when choosing life insurance products, the demand of self-examination and fitness.
This study is used a domestic life insurance company in 1996 to 2006 covered by traditional savings-type life insurance products as the research data. and divided into increasing whole life, endowment, endowment life, these three kinds of principal contract. Then used six variables which included policy loan to establish research hypotheses. and logistic regression analysis. It shows as the result that：
a contract which has policy loan, pattern of premium payment choices oneself-pay, premium period is relatively higher, assumed interest rate is relatively lower, policy loan interest rate is relatively lower, policy loan for the first time is at the end of policy period, it is higher possibility to have non-renewable premium.

並列關鍵字

Saving-Type Life Insurance ； Increasing Whole Life ； Endowment ； Endowment Life ； Logistic Regression Analysis

參考文獻

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