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The questionnaire of this study is distributed in the branches and business departments located in southern and northern metropolitan areas of Taiwan of the domestic life-insurance S-company as of 2014, with its subjects targeted on the potential clients and the insured mainly above 23 years old in occupation with a fulltime job such that its sample has a better representativeness. In total 1,000 copies are distributed and 606 are valid. Information of the respondents comprehends his or her resident metropolitan area, years old, gender, marriage status, number of his or her family, number of children, the percentage of mortgage of his or her real estate, annual income, net wealth, total value of his or her real estate, self-conceived health situation, education degree or diploma. The study uses Chi-square test, nonparametric test, one-sample K-S test(to check the normality),as well as Kruskal-Wallis test, and Mann-Whitney test. The empirical result finds that the metropolitan residency and the total value of real estate will significantly influence the demand and willingness to buy the life-insurance policy. As to gender and level of healthiness, there exists significant difference concerning the willing premium of the buyer of term and whole life policy: firstly, the willing premium of the term life policy of male buyer is higher than female, while in the whole life policy it reverses; secondly, on self-conceived healthiness, those who self-regard as unhealthy will pay significantly higher premium on term life policy than those who self-regard as very healthy, while those who feel healthier will pay significantly higher premium on whole life policy than those feel himself or herself ordinary or unhealthy. Thirdly, female, married, divorced, widow, annual income within 800,000 NTD, net wealth within 1000,000 NTD, those with no real estate but self-conceived as very healthy, and those with just one child or less will significantly pay higher on the total premium of life insurance policy than other tested groups. Moreover, people with college degree or above, aged within 30, annual income under 800,000 NTD, without real estate, and those have just one child or less will pay higher total premium for life insurance policy than other tested groups.