投資型保險與理財規劃關聯性之研究 ---以國內Ｋ人壽保險公司為例---

Studies on Relationship between Investment- oriented Insurance and Financial Planning --- Case Study：K Life Insurance Group ---

林振祥(Chen-Shiang Lin)

指導教授 ： 林賜德

中原大學/商學院/企業管理研究所/碩士(2004年)

https://doi.org/10.6840/cycu200400392

摘要

論文摘要

近年來全球利率持續走低，財政部保險司為了降低壽險公司利差損的經營風險，已將投資型保險保單列為「重點鼓勵」發展項目，壽險公司基於財務穩健性，以及配合政策等諸多考量，也樂於配合，在投資環境有轉機之際，紛紛將產品策略的舵槳緩緩駛向投資型保險商品。而「一次購足」的新消費習慣產生，對於壽險業的行銷方式產生潛移默化的作用，壽險業必須增加行銷管道來因應此一局面。

通常保險規劃與投資理財是不同的二件事情，也分別佔用了不同的時間和不同的人去商量與接觸，投資型保險商品結合上述二件事情，而只須花一份的時間和相同的一個人接觸，就能把保險的保障與理財規劃的投資一次完成。因此，壽險公司積極開發投資型保險商品，提供消費者以「壽險商品」為軸心，結合「證券投資」與「資產管理」的特色，以『三合一』的方式，組合成為一種兼具「保險保障」與「理財投資」雙重功能的新商品。

在近期有關研究投資型保險之文獻探討裡，主要研究是針對監理主管機關在面對此商品因應之道，以及壽險業經營策略之研究，尚無與理財規劃相結合所作之研究，因此，本文乃根據當前金融投資理財工具之分析，來探討投資型保險與理財規劃關聯性之研究，以「Ｋ人壽保險公司」為例，依據相關單位的調查報告、國內外文獻、期刊論文等，透過歸納法來研究與分析。

現階段是壽險業推出投資型保險商品的最好時機，壽險從業人員必須熟悉掌握相關的金融知識，了解購買投資型保險商品之優勢，與直接購買基金之缺失，成為客戶和家庭的理財顧問；並尋找為準備退休基金規劃、子女教育基金或創業基金，以及投資理財規劃、稅賦規劃等適合行銷族群，進而轉型為「全方位理財規劃師」。而壽險業之經營策略必須轉型為多元化「整合性金融商品」行銷策略，並提高內部管理與技術水平，加強銷售投資型保險商品資訊公開化及投資標的多樣化，有效防範和化解經營風險，提升核心競爭力，建立長期競爭優勢。

關鍵字

理財規劃 ； 共同基金 ； 投資型保險

並列摘要

Abstract

In the last few years, global interest rates remained respectively low. In order to reduce the risk in interest loss of insurance organizations, the Department of Insurance of Ministry of Finance has enlisted the investment-type insurance applications as “Key Encouragement” development subject. On the other hand, in order to maintain financial integrity and various other considerations in complying government strategies, the insurance organizations were more than glad to comply. While the investment environment undergoes a turn for the better, the insurance organizations slowly drove the product strategy towards investment- oriented insurance products one after another. In addition, “One-Stop-Shopping” consumer philosophy has also influenced the way insurance industry commences their sales. At the end, the insurance industry must increase ways of sale to compensate.

Normally, the insurance planning and investing in financial management were two mutually exclusive actions, and each of them occupies different time and human resources to manage. However, investment-oriented insurance products have combined the two so that one only needs to spend half the time and work with only one group of people, and could achieve the protection of insurance and well-planned financing investment. Therefore, insurance organizations actively develop investment-oriented insurance products in order to provide consumers with a product that has the insurance product on the plate, and bonds investments and assets management as side dishes. This kind of 3-in-1 product thus has the characteristics of insurance protection, financial management and investment.

In all recent documents discussing investment-type insurance, all the studies focused on how management and supervisory level should react to this new product and the strategy of insurance industry operations. There have not been any studies on combining the investment-type insurance with financial management. Therefore, this essay will discuss this combination based on analysis of existing financial investment and management tools. In addition, the author will take the example of K Life Insurance Group, in which the author is working for, research reports assembled by relevant organizations, domestic and foreign articles and magazine articles, through inductive study and analysis.

Now is the best time for insurance industry to introduce investment-type insurance products. The insurance agents must be familiar with relevant financial knowledge, understanding the pros of purchasing investment-oriented insurance product, and the cons of buying bonds. The insurance agents must become the client’s and the family’s financial consultant. They must also search for possible customers who are planning for their retirements, for the education costs of their children, for starting their own business, for their financial management, and/or for tax management. The insurance must act as universal financial management consultants. On the other hand, the insurance industry must also begin the transition towards integrated financial products and improve internal management and technical standards. The insurance industry should also improve the publicity of investment-type insurance products sales and variety of investment targets, efficiently prevent and reduce operation risks, increase core competitive ability and establish the long-term competitive advantages.

並列關鍵字

Common Bonds ； Financial Planning ； Investment-oriented Insurance

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