全權委託型投資型保險之探討

近年來隨著人口結構與經濟環境之改變，投資型保險逐漸成為市場上主要的熱門商品，尤其是類全委保單。本文利用深度訪談法之方式，研究類全委保單在臺灣壽險市場的經營模式與銷售概況，瞭解投資型保險相關從業人員對類全委保單之看法，探討商品熱銷背後之後續問題產生，待未來問題發生時，能提供較良好的改善方式，最後提出具體建議供業界參考。根據本文之研究分析，提供四項結論作為探討類全委保險商品之參考： 1.低利率環境、監理政策為類全委商品興盛之主因 2.專業代操與配息為類全委商品包裝之主軸 3.類全委保單之費用高於一般投資型保單 4.類全委保單糾紛為銷售端之話術糾紛居多

關鍵字

全權委託；投資型保險；類全委保單

並列摘要

With the change of population structure and economic environment in recent years, investment-oriented policy has gradually become a popular commodity in life insurance marketing, especially discretionary investment-oriented policy. In this paper, we adopt the depth interview method to research the business model and the sales of discretionary investment-oriented policy in life insurance market in Taiwan. We also try to understand what insurance agents thought of discretionary investment-oriented policy, and discuss the situation when the investment-oriented policy becomes selling well products. According to our results, there are four conclusions of discretionary investment-oriented policy for insurers to consult. First, low interest of environment and the policy of insurance regulation are the main reason that why discretionary investment-oriented policy will become a popular commodity. Second, discretionary operation and policy dividend are the main items of discretionary investment-oriented policy packaging. Third, the premium income of discretionary investment-oriented policy is higher than other investment-oriented policy. Fourth, most of the dispute of discretionary investment-oriented policy is sales pitch.