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購買壽險影響因子之分析-以南北都會區為例

Analysis of Purchasing Factors of Life Insurance in Northern and Southern Metropolitan Areas

作者:張席閎
畢業學校:國立高雄第一科技大學
出版單位:國立高雄第一科技大學
核准日期:2016-01-15
類型:Electronic Thesis or Dissertation
權限:Copyright information available at source archive--nkfust....

中文摘要

本研究的問卷,於2014年度以國內S壽險公司在南北兩都會地區的分公司與業務單位,問卷調查對象為S公司之準客戶與保戶,主要是23歲以上且有全職工作的社會人士,目地可以使樣本具有較佳的代表性。共計發放1000份問卷,有效問卷為606份。填答者的資訊包括居住都會區、年齡、性別、婚姻狀況、家庭人數、小孩人數、房地產的貸款成數、年所得、淨財富、房地產總值、自我認知健康狀況、教育程度。以卡方檢定、無母數檢定單一樣本K-S檢定有無常態性、Kruskal-Wallis檢定及Mann-Whitney檢定。實證結果發現,都會地區與房地產總額會顯著影響購買壽險的需求意願。而性別、健康程度對於購買定期壽險及終身壽險之保費有顯著差異;在定期壽險保費是男性多於女性,但在終身壽險的保費是女性多於男性;而在健康認知方面,自認為不健康者花在定期壽險保費顯著高於非常健康者,在自認較健康者購買終身壽險保費顯著高於普通或不健康的者。女性、已婚、離婚、喪偶、年收入80萬以內、淨財富在100萬以內、無房產自認為非常健康、小孩人數1人及以下者花費在壽險總保費有顯著高於其他人員。而教育程度大學以上、年齡在30歲以內、年收入80萬以內、無房產、小孩人數1人及以下者購買壽險的總保額有顯著高於其它人員。

英文摘要

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.


指導教授 - 陳青浩

召集委員 - 翁銘章

委員 - 林明俊


 

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