壽險不分紅保單精算之研究

A study on Actuarial Value of Nonparticipating Policy in Taiwan

傅明堂(FU Ming Tang)

指導教授 ： 施能仁博士

亞洲大學/管理學院/經營管理研究所/碩士(2006年)

摘要

摘要　　　　　　
微利時代來臨，在財政部保險司與業者的努力之下，壽險市場目前銷售正
以不分紅保單為主，由於不分紅保單所強調的三項優勢：
(1)保費便宜
(2)利率低迷最佳的選擇
(3)短期養老險的趨勢
已經相當受到壽險市場與消費者的歡迎。然而，本研究考慮到，消費者與壽險業者之間，存在有保費與保障之間的拉鋸戰，這其中的平衡點，又該如何精算與拿捏?是以本研究提出下列三項研究方向：
1. 依現況條件，推估合理之保費。
2. 模擬不同的利率及死亡率之保單獲利金額。
3. 評估不分紅保單之策略，進行衝擊分析。
本研究透過精算推算結果與市場銷售價格相近似，專家學者所提出的計算模型是正確可靠的。保單獲利方面在不同的利率及死亡率，業者會有超額獲利產生。交叉衝擊升降擴大保費下降的金額更為加劇，不分紅保單將受嚴重考驗。
期待本研究能讓業者、甚至消費者，獲得較科學化、數據化的研究參考價值。

關鍵字

壽險精算 ； 保單分紅 ； 壽險保費 ； 獲利能力 ； 不分紅保單

並列摘要

ABSTRACT
The era of the meager profit will coming, under the efforts of the life insurance industries and the insurance department in the Ministry of Finance, the life insurance market is selling nonparticipating policy as the main fact at present, nonparticipating policy emphasizes three advantages :
(1) The insurance premium is Cheap.
(2) The interest rate depression best choice.
(3) The short-term endowment insurance for the tendency of provide for the aged.
Have already quite well received by life insurance market and consumer's welcome However, this research is considered, between consumers and life insurance industry, existing has premium and the safeguard seesaw battle , the equalization point among them, how precisely to calculate with affectedly bashful? It is in order to originally research and propose the following three research direction:
1. Depend on the present situation condition, estimate the rational premium.
2. We simulated different interest rates and mortality rate to make a profit of an Insurance policy.
3. We simulated the strategy of insurance policy that does not draw bonus, carried on the impact analysis.
This research, through regarding as calculating precisely that the result and market selling price are approximate, it is reliable that the calculation models put forward of experts and scholars are correct. The profit-making respect of the insurance policy is in different interest rate and death rate , the family property person makes a profit to emerge excess. Assault and go up and down and expand the premium the amount of money dropped to aggravate alternately, nonparticipating policy will be tested seriously. We expect this study will be referenced by operators, even consumers; they would acquire more scientific and mathematical referential value.

並列關鍵字

Actuarial of life insurance ； Policy holds dividend ； Insurance premium ； Nonparticipating Policy ； Profitability

參考文獻

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