運用商業年金保險補足勞工階級法定退休體制下所得缺口之探討

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運用商業年金保險補足勞工階級法定退休體制下所得缺口之探討

A Study of Using Commercial Annuity Insurance to Make up the Income Gap of Labor under Statutory Retirement System

陳奕全 , Masters　　Advisor：蘇文斌　　

繁體中文

變額年金；利率變動型年金；商業年金保險；所得替代率； Commercial Annuity Insurance ； Interest Sensitive Annuity ； Variable Annuity ； Income Replacement Rate

Abstract │ Reference (30) │ Times Cited (2) │ Altmetrics

Abstract 〈TOP〉

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The blue collar of retirement pension system in Taiwan had reformed into the new pension ordinance system, and had entered another landmark. This changes not only be in line with world trend of the pension system, and better able to ensure the interests of the working class.
However, for long-term evolution of Taiwan''s population structure trends, aging population increasing and fertility rate declining  year by year. We can foresee the burden of the young population will become heavier and heavier. Therefore, in the future a very important task is to prepare enough money for retirement life, not only to reduce the burden of children but also to keep basic standard of living after retirement. 
Now the insurance knowledge and concept are gradually enhanced, insurance as a financial tool has become a popular concept, and annuities have become mainstream.  The purchase of commercial annuity insurance can increase the income replacement rate, and make up inadequate pension gap.The annuity insurance products available in the market numerous, each with its own characteristics and the condition of  pay, the working class must understand their own needs in order to find the types of annuities that can be used.
   In this paper we use two kinds of insurance simulations, interest sensitive annuity and variable annuity,  to calculate the gap of  different family status, and propose a  program that the working class can be taken. Look forward to create more wealth for individuals, to lead a more dignified future and  a better quality of life after retirement, and to alleviate the financial burden on future generations.

Reference ( 30 ) 〈TOP〉

16.郭俊杰等(2009)。風險管理與保險規劃。臺北：宏典文化。
連結：
21.廖文旭(2010)。勞工選擇勞工保險老年年金給付影響因素之研究。碩士論文，朝陽科技大學保險金融管理研究所，臺中。
連結：
29.Holzmann, R. & Hinz, R.(2005). Old-age income support in the 21st century : An international perspective on pension systems and reform. The World Bank Washington, D.C.
連結：
30.The World Bank (1994). Averting the old age crisis: Policies to protect the old and promote growth. New York: Oxford University Press.
連結：
1.方明川（2003）。廿一世紀商業年金保險新論。臺中：逢甲電腦排版事業有限公司。

Times Cited (2) 〈TOP〉

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