保險知識與自我控制對投保合理性的影響 - 以人壽保險為例

The Influence of Insurance Knowledge and Self-control on the Rationality of Insurance Using Life Insurance as an Example

陳忠男(Chung-Nan Chen)

指導教授 ： 張淑華

國立臺中科技大學/商學院/財政稅務系租稅管理與理財規劃碩士班/碩士(2021年)

摘要

本研究以電子表單方式對某人壽保險公司25歲以上的保戶進行問卷調查，旨在探討保險知識、自我控制與個人特徵與人壽保險投保合理性的關聯性。本文實證發現，自我控制與保險知識程度對於合理人壽保險投保行為具有顯著的正向關係。這說明了當民眾具有自我控制能力或是擁有較高的保險知識時，在投保人壽保險時，會更注重保險金額與保險費用的合理性，讓人壽保險更具有保障程度。
再者，除了自我控制與保險知識外，收入與教育程度兩個變數亦分別與合理人壽保險保額、合理人壽保險保費具有顯著的正向關係。這說明了當收入越高時，人們更會注重保險金額與保險費用的合理性。而教育程度越高的人亦會在保險費用上更注重其合理性。
最後，依照本研究結論建議一般民眾能藉由閱讀、吸收更多的保險知識以期對人壽保險的保險金額或保費支出能更為合理。也建議保險業者能在商品設計上增加誘因使得民眾的自我控制成本下降，進而使得人壽保險的銷售與續繳進一步提升。也期盼政府能在國民教育上面直接加強保險知識的普及與提升，達到人壽保險的普及，達到安定社會之成效。

關鍵字

保險知識 ； 自我控制 ； 人壽保險

並列摘要

This study conducted a questionnaire survey on a selected life insurance company’s poli-cyholders over the age of 25 in the form of an electronic form, aiming to explore the relevance of insurance knowledge, self-control, and personal characteristics to the rationality of life insur-ance. This paper empirically finds that self-control and insurance knowledge have a significant positive relationship with reasonable life insurance purchase behavior. This shows that when people have the ability to control themselves or have high insurance knowledge, they will pay more attention to the rationality of the insurance amount and insurance costs when applying for life insurance, so that life insurance is more secure.
Furthermore, in addition to self-control and insurance knowledge, the two variables of in-come and education also have a significant positive relationship with reasonable life insurance coverage and reasonable life insurance premiums respectively. This shows that when the income is higher, people will pay more attention to the reasonableness of insurance amount and insur-ance cost. People with higher education will also pay more attention to the rationality of insur-ance costs.
Finally, according to the conclusions of this study, it is suggested that the general public can read and absorb more insurance knowledge in the hope that the insurance amount or premi-um expenditures of life insurance can be more reasonable. It is also suggested that insurers can add incentives to product design to reduce the cost of self-control of the people, and further in-crease the sales and renewal of life insurance. I also hope that the government can directly strengthen the popularization and promotion of insurance knowledge in national education, achieve the popularization of life insurance, and achieve the effect of stabilizing the society.

並列關鍵字

Insurance Knowledge ； Self-control ； Life-insurance

參考文獻

中文文獻

(一)、書籍 ：

1. 人身保險業務員資格測驗統一教材 (2017)。臺北：壽險公會。。

2. 田邊康平著、廖淑惠譯 (1993)。保險契約法。台北：財團法人保險事業發展中心。

3. 江朝國 (1995)。保險法基礎理論。台北：中國政法大學出版社。