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1
Černý, Zdeněk. "LIFE INSURANCE OPTIONS." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-4551.
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The goal of the thesis is to present and apply mathematical tools that are necessary for proper understanding of valuation of options in life insurance. This includes basic principles of actuarial calculations based on first order assumptions and the basics of stochastic calculus used for derivatives pricing. Afterthat we discuss the difference between first and second order assumptions and apply the mathematical tools to valuation of life insurance options. Finally the appearance of life insurance options within the liability adequacy test and european law is mentioned.
2
Noronha, Lisete Fernandes de. "Whole life health insurance." Master's thesis, FCT - UNL, 2008. http://hdl.handle.net/10362/2362.
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Dissertação apresentada na Faculdade de Ciências e Tecnologia da Universidade Nova de Lisboa para obtenção do Grau de mestre em Matemática e Aplicações<br>The health insurance has become complementary to the National Health Care
system in Portugal. In the last years, the increase of this insurance has been
considerable. Despite the health concerns of Portuguese citizens, related to better
life quality, medical technology and others, the ageing of Portuguese population is
a reality to be well thought-out. Regarding this fact, the whole life health
insurance is an important product to be developed.
In this dissertation, it is presented an approach to the calculation of the level
premiums for the whole life health insurance in order to fulfil the Portuguese
insurer’s market requests. A private health insurance company with a historical
data of ten years provided the statistics used for this calculation. The levelled
insurance premiums were calculated on the basis of the risk involved and according
to the principle of equivalence. This means that regarding the period insured, the
total of premiums should match the total of the benefits.
3
Yamazato, Makoto. "Non-life Insurance Mathematics." Pontificia Universidad Católica del Perú, 2014. http://repositorio.pucp.edu.pe/index/handle/123456789/96535.
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In this work we describe the basic facts of non-life insurance and then explain risk processes. In particular, we will explain in detail the asymptotic behavior of the probability that an insurance product may end up in ruin during its lifetime. As expected, the behavior of such asymptotic probability will be highly dependent on the tail distribution of each claim.<br>En este artículo describimos los conceptos básicos relacionados a seguros que no sean de vida y luego explicamos procesos de riesgo. En particular, tratamos al detalle el comportamiento asintótico de la probabilidad de que un producto sea declarado en ruina. Como es suponible, el comportamiento en el horizonte depende de la cola de la distribución de las primas.
4
Peterson, Carl E. "Life insurance sales representative." Online version, 2001. http://www.uwstout.edu/lib/thesis/2001/2001petersonc.pdf.
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5
Ball, S. G. "Self-insurance and public insurance over the life-cycle." Thesis, University of Cambridge, 2008. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.596317.
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This thesis addresses household saving behaviour, characterising the extent of self-insurance and public insurance over the life-cycle. Understanding how household saving varies in response to different forms of uncertainty is vitally important. Some risks are not fully insurable when markets are incomplete: for example, it is difficult for private insurers to cover layoff and productivity risk because of moral hazard issues. In these situations saving decisions determine households’ ability to avoid adversity, or to self-insure against such outcomes. While there has been substantial research into the broad questions concerning saving and expenditure choices, issues such as household asset allocation, the adequacy of self-insurance, and the interplay between these decisions and public insurance are less well understood. This thesis investigates these questions, combining theory and empirics in order to further our understanding of the underlying mechanisms of household saving choices. I begin with theory, presenting two structural papers that enrich the basic life-cycle model by increasing the realism of the modelling structure. In the first chapter I formulate a number of extensions to the standard framework, and detail how these permit simultaneous matching of key wealth and asset allocation statistics. In the second, I propose a novel identification strategy that enables us to elicit households’ beliefs about the risk and return of investing in stocks, and allows us to estimate intertemporal allocation parameters harmonising both consumption and financial wealth data. In the third chapter I undertake a reduced form approach to estimate the consumption loss associated with serious health shocks, using the life-cycle model as an organising framework. I develop a systemic analysis of household saving choices in order to better analyse questions about the effectiveness of self-insurance, the degree of preparedness for retirement, and how these respond to different levels of public insurance.
6
Hoermann, Gudrun. "Mortality heterogeneity and life insurance /." [S.l.] : [s.n.], 2009. http://opac.nebis.ch/cgi-bin/showAbstract.pl?sys=000293554.
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7
Arvidsson, Hanna, and Sofie Francke. "Dependence in non-life insurance." Thesis, Uppsala University, Department of Mathematics, 2007. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-120621.
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Boiko, O. "Taxation in life insurance system." Thesis, Sumy State University, 2020. https://essuir.sumdu.edu.ua/handle/123456789/80925.
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Матеріал присвячений питанням програм страхування життя і пенсійного страхування, які повинні бути звільнені від оподаткування.<br>Материал посвящен вопросам программ страхования жизни и пенсионного страхования, которые должны быть освобождены от налогообложения.<br>The material is devoted to the issues of life insurance and pension insurance programs, which should be exempt from taxation.
9
Mountain, Travis Patrick. "Life Insurance and Financial Vulnerability." The Ohio State University, 2015. http://rave.ohiolink.edu/etdc/view?acc_num=osu1437387344.
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10
Klopfenstein, Ashley. "Investment Income in Life Insurance." Marietta College Honors Theses / OhioLINK, 2020. http://rave.ohiolink.edu/etdc/view?acc_num=marhonors1588419641715527.
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Hagsjö, Renberg Oscar, and Oscar Hermansson. "Large claims in non-life insurance." Thesis, KTH, Matematisk statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-215492.
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It is of outmost importance for an insurance company to apply a fair pricing policy. If the price is too high, valuable customers are lost to other insurance companies while if it’s too low – it nets a negative profit. To achieve a good pricing policy, information regarding claim size history for a given type of customer is required. A problem arises as large extremal events occur and affects the claim size data. These extremal events take shape in individually large claim sizes that by themselves can alter the distribution for what certain groups of individuals are expected to cost. A remedy for this is to apply what is called a large claim limit. Any claim exceeding this limit is thought of as being outside the scope of what is captured by the original distribution of the claim size. These exceeding claims are treated separately and have their cost distributed across all insurance takers, rather than just the group they belong to. So, where exactly do you draw this limit? Do you treat the entire claim size this way (exclusion) or just the bit that is exceeding the threshold (truncation)? These questions are treated and answered in this master’s thesis for Trygg-Hansa. For each product code, a limit was achieved in addition to which method for exceeding data that was best to use.<br>Det är oerhört viktigt för ett försäkringsbolag att kunna tillämpa en god prissättning. Är priset för högt så förloras kunder till andra försäkringsbolag, och är den underprisad är det en förlustaffär. För att kunna sätta bra priser krävs information om vilka samt hur stora skador som kan tänkas inträffa för en given kundprofil. Ett problem uppstår när stora extremfall påverkar skadedatan. Dessa extremfall yttrar sig genom enskilda storskador som kan komma att påverka prissättningen för en hel grupp då distributionen för vad gruppen förväntas kosta kan ändras. Detta problem kan lösas genom att införa en storskadegräns till skadedatan. Skador över denna gräns räknas som extremfall och utanför ramen av vad den ursprungliga distributionen för skadorna beskriver. De hanteras separat och låter sin kostnad fördelas över samtliga försäkringstagare. Men vart dras denna gräns? Ska man behandla hela den överstigande kostnaden på detta sätt (exkludering) eller bara den biten av skadan som går över storskadegränsen (trunkering)? Dessa frågor behandlas och besvaras i denna masteruppsats i uppdrag åt Trygg-Hansa. För de olika produkttypkoderna beräknades varsin storskadegräns samt metod för överskridande data.
12
Hayes, Genevieve Katherine, and genevieve hayes@anu edu au. "Stochastic Solvency Testing in Life Insurance." The Australian National University. School of Finance and Applied Statistics, 2009. http://thesis.anu.edu.au./public/adt-ANU20090226.084732.
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Stochastic solvency testing methods have existed for more than 20 years, yet there has been little research conducted in this area, particularly in Australia. This is for a number of reasons, the most pertinent of which being the lack of computing capabilities available in the past to implement more sophisticated techniques. However, recent advances in computing have made stochastic solvency testing possible in practice and have resulted in a trend towards this being done in advanced studies.
¶
The purpose of this thesis is to develop a realistic solvency testing model in a form that can be implemented by Australian Life Insurers, in anticipation that the Australian insurance regulator, APRA, will ultimately follow the world trend and require stochastic solvency testing to be carried out in Australia. The model is constructed from three interconnected stochastic sub-models used to describe the economic environment and the mortality and lapsation experience of the portfolio of policies under consideration. Australian economic and Life Insurance data is used to fit a number of possible sub-models, such as generalised linear models, over-dispersion models and asset models, and the ``best'' model is selected in each case. The selected models are a modified CAS/SOA economic sub-model; either a Poisson or negative binomial (NB1) distribution (depending on the policy type considered) as the mortality sub-model; and a normal-Poisson lapsation sub-model.
¶
Based on tests carried out using this model, it is demonstrated that, for portfolios of level and yearly-renewable term insurance business, the current deterministic solvency capital requirements provide little protection against insolvency. In fact, for the test portfolios of term insurance policies considered, the deterministic capital requirements have levels of sufficiency of less than 2% (on a Value at Risk basis) when compared to the change in capital distribution over a three year time horizon. This is of concern, as yearly-renewable term insurance comprises a significant volume of Life Insurance business in Australia, with there being over 426,000 yearly-renewable term insurance policies on the books of Australian Life Insurers in 1999 and more business expected since then.
¶
A sensitivity analysis shows that the results of the stochastic asset requirement calculations are sensitive to the choice of sub-model used to forecast economic variables and to the choice of formulae used to describe the mean mortality and lapsation rates. The implication of this is that, if APRA were to require Life Insurers to calculate their solvency capital requirements on a stochastic basis, some guidance would need to be provided regarding the components of the solvency testing model used. The model is not, however, sensitive to whether an allowance is made for mortality or lapsation rate over-dispersion, nor to whether dependency relationships between mortality rates, lapsation rates and the economy are allowed for. Thus, over-dispersion and dependency relationships between the sub-models can be ignored in a stochastic solvency testing model without significantly impacting the calculated solvency requirements.
13
Schreiber, Irene. "Risk-minimization for life insurance liabilities." Diss., lmu, 2012. http://nbn-resolving.de/urn:nbn:de:bvb:19-153192.
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Apere, Pius Oyabramo. "Modelling life insurance new business risk." Thesis, City University London, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.435038.
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Löfdahl, Grelsson Björn. "Topics in life and disability insurance." Doctoral thesis, KTH, Matematisk statistik, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-175334.
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This thesis consists of five papers, presented in Chapters A-E, on topics in life and disability insurance. It is naturally divided into two parts, where papers A and B discuss disability rates estimation based on historical claims data, and papers C-E discuss claims reserving, risk management and insurer solvency.In Paper A, disability inception and recovery probabilities are modelled in a generalized linear models (GLM) framework. For prediction of future disability rates, it is customary to combine GLMs with time series forecasting techniques into a two-step method involving parameter estimation from historical data and subsequent calibration of a time series model. This approach may in fact lead to both conceptual and numerical problems since any time trend components of the model are incoherently treated as both model parameters and realizations of a stochastic process. In Paper B, we suggest that this general two-step approach can be improved in the following way: First, we assume a stochastic process form for the time trend component. The corresponding transition densities are then incorporated into the likelihood, and the model parameters are estimated using the Expectation-Maximization algorithm.In Papers C and D, we consider a large portfolio of life or disability annuity policies. The policies are assumed to be independent conditional on an external stochastic process representing the economic-demographic environment. Using the Conditional Law of Large Numbers (CLLN), we establish the connection between claims reserving and risk aggregation for large portfolios. Moreover, we show how statistical multi-factor intensity models can be approximated by one-factor models, which allows for computing reserves and capital requirements efficiently. Paper C focuses on claims reserving and ultimate risk, whereas the focus of Paper D is on the one-year risks associated with the Solvency II directive.In Paper E, we consider claims reserving for life insurance policies with reserve-dependent payments driven by multi-state Markov chains. The associated prospective reserve is formulated as a recursive utility function using the framework of backward stochastic differential equations (BSDE). We show that the prospective reserve satisfies a nonlinear Thiele equation for Markovian BSDEs when the driver is a deterministic function of the reserve and the underlying Markov chain. Aggregation of prospective reserves for large and homogeneous insurance portfolios is considered through mean-field approximations. We show that the corresponding prospective reserve satisfies a BSDE of mean-field type and derive the associated nonlinear Thiele equation.<br><p>QC 20151012</p>
16
Hayes, Genevieve Katherine. "Stochastic solvency testing in life insurance /." View theses entry in Australian Digital Theses Program, 2008. http://thesis.anu.edu.au/public/adt-ANU20090226.084732/index.html.
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RUSSO, Vincenzo. "Pricing and managing life insurance risks." Doctoral thesis, Università degli studi di Bergamo, 2012. http://hdl.handle.net/10446/26710.
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The aim of this thesis is to investigate about the quantitative models used for pricing and managing life insurance risks. It was done analyzing the existing literature about methods and models used in the insurance field in order to developing (1) new stochastic models for longevity and mortality risks and (2) new pricing functions for life insurance policies and options embedded in such contracts.
The motivations for this research are to be searched essentially in: (1) a new risk-based solvency framework for the insurance industry, the so-called Solvency II project, that will becomes effective in 2013/2014; (2) a new IAS/IFRS fair value-based accounting for insurance contracts, the so-called IFRS 4 (Phase 2) project (to be approval); (3) more rigorous quantitative analysis required by the industry in pricing and risk management of life insurance risks.
The first part of the thesis (first and second chapters) contains a review of the quantitative models used for interest rates and longevity/mortality modeling. The second part (remaining chapters) describes new methods and quantitative models that it thinks could be useful in the context of pricing and insurance risk management.
18
Josa, Csaba Szabolcs Banking & Finance Australian School of Business UNSW. "International financial services: determinants of bancassurance demand and life insurance consumption." Awarded by:University of New South Wales. School of Banking and Finance, 2005. http://handle.unsw.edu.au/1959.4/26127.
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This thesis is a pioneer study that examines the growing importance of global insurance markets and the factors that determine continued success and viability. A couple of issues relating to risk and insurance that have not been examined to such an extent in previous studies are represented through the examination of two of the fastest growing areas within international insurance services, namely those of global bancassurance and life insurance markets. Firstly, this thesis establishes what determines the demand for bancassurance using a sample of 73 companies from 28 developed and developing countries from across the globe. Methodological improvements are made on previous studies through the use of the advanced estimation technique known as Generalized Method of Moments (GMM) which helps account for such inconsistencies as measurement errors, heteroscedasticity, multicollinearity and endogeneity. The results obtained both extend and reconcile existing literature in the field of bancassurance. Secondly, the determinants that influence the level of life insurance consumption throughout the OECD are scrutinized with a particular focus on the influence of systems of law. Thus far no other study has attempted to discover the relationship between life insurance consumption patterns and the legal systems in place within a given nation. The key finding highlights the importance of systems of law on consumption patterns, and specifies that there is a significant positive relationship between the French and German civil-law systems and the level of life insurance consumption within the OECD. In addition, the findings in regards to other demographic, macroeconomic and social determinants extend as well as support the existing literature in the field of life insurance.
19
MING, TSAUR TZAY, and 曹再明. "Life Insurance." Thesis, 1993. http://ndltd.ncl.edu.tw/handle/14888175973479965645.
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Weng, Tzu-Han, and 翁子涵. "CRM pattern in Life Insurance CompanyEx. A life Insurance Company." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/04786816499029835781.
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碩士<br>輔仁大學<br>國際創業與經營管理學程碩士在職專班<br>100<br>Following the growth of economy and the changing environment of
competitive markets, customer relationship management (CRM) becomes an
important strategy for an enterprise to operate businesses. Customer needs are
the resources to gather from to improve business production. Therefore,
understanding the successful factors through CRM to exploring competitive
strategy and system model is necessary for service-oriented businesses.
This research used a case study with interview in depth of methodology
exploring the CRM strategy, model and understanding its successful factors in
an insurance company. The result will be a reference for companies to design
their CRM systems and identify competition strategies.
After summarizing and analyzing interview data and reviewing literature,
the conclusion can be made. A life insurance company established 3C
strategy by using CRM system which includes crossing-selling, capital
efficiency and cost saving. CRM Model in Life Insurance Company consists
with event management, channel management and targeted customers. Factors
to complement a successful CRM are information standardization,
cross-department cooperation, standard operating process and supervisor
support and organizational identification. After the research of CRM system in
the case company, some suggestions can be provided as a reference and a
source of improvement in CRM system of A life insurance company.
21
Huang, Juling, and 黃玉凌. "A Comparative Study of Variable Life Insurance to Traditional Life Insurance." Thesis, 1999. http://ndltd.ncl.edu.tw/handle/56161575807312509845.
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廖經能. "The Cases Study of Knowledge Management Strategy on Life Insurance: The Prudential Life Insurance and Shin Kong Life Insurance." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/80692757274609718036.
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碩士<br>明新科技大學<br>企業管理研究所<br>95<br>This research is for the purpose of discussing the domestic and foreign case life insurance company regarding the knowledge management strategy pattern, analyzes the knowledge management way, and proposes the conformability knowledge management strategy practice construction. Therefore, this research conducts the real diagnosis research by the domestic and foreign life insurance company, amounts to carry on the thorough interview to six company managers, understands condition of and the good and bad points the internal present knowledge management strategy pattern, also coordinates to the basic unit staff to carry on the questionnaire survey that could understand the staff point of view to the knowledge management which company made, provides 300 to ask completely, recycles 221, and using the SPSS statistical analysis software to make (1)descriptive statistical analysis (2)the reliability analyzes (3)factor analysis (4)correlation analysis(5)t test and ANOVA analysis.
Through this research, several conclusions are found：(1)The meaning of the life insurance industry knowledge management strategy is (a) Link the personal knowledge and the group knowledge sharing in the company. (b)The knowledge management strategy emphasizes the different level knowledge activity conformity between the company, the managers and the employee. (c) The purpose of knowledge management strategy lies in the organizing, sharing, transforming and the efficiency of applying.(2)This findings proved, the knowledge management strategy is combined by the enterprise culture strategy, the system strategy, the knowledge sharing strategy and the performance evaluation strategy, and these four composing main factors have obvious of influence.(3)Demonstrates in the case, in addition to the employee’s sex, the age, the education level and the service past service mostly have obvious influence to the result of the insurance company’s knowledge management.(4)Make use of the interview and questionnaire at the same time not only can understand the supervisor and employee’s knowledge management strategy cognition more definitely, but also find out further the imperfection of the knowledge management strategy and the improvement method.
23
Cheng, Bao-Wen, and 鄭博文. "The strategy of promotion of Non-life insurance industries to cooperate with the life insurance brokers- X Non-Life Insurance Company." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/29063167640321650543.
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碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>99<br>In recent years, as adversely impacted by the spread loss and reserve increase following the financial crisis and the implementation of IFRS, many foreign-based life insurance companies in Taiwan have sold their Taiwan branches to the other local life insurance companies. As a result, about 60,000 salesmen of these Taiwan branches of the foreign-based companies were merged into the local companies, and some of them may not be able to adopt to the system of the local companies and turn to the life insurance brokers or agents as their best choice.
This thesis discuss how the Non-life insurance industries cooperate with the life insurance brokers by maneuvering the four main dimensions, ie. environmental factors, business strategy, organizational structure, and performance goals, the last dimension of which is generated by the coordination of the former three ones. Further, by the way of the questionnaire survey methods of the expert Delph and given from the results of the said methods conducted for two times , the recommendations and conclusions of the four dimensions are summarized as below :
1.Environmental factors : Due to the low price competition prevailing in the non-life insurance industries, the market has been grown slowly. In such circumstance, the non-life insurance companies can provide the life insurance brokers with a convenient e-commerce platform so as to reduce the cost of labour operation and to maintain long-term dependence, which aims to win the reliance of the life insurance brokers and create the value of mutual cooperation.
2.Business strategy : Though the main factors considered by the life insurance brokers to choose the non-life insurance companies as their partners are the brand image, financial soundness, product uniqueness and differentiation etc. However, the brokers usually put more focus on the level of brokerage; as a result, the loyalty of the brokers is not stable and they even do not care about who the partner is. In this situation, in addition to the brokerage, the business strategies of the non-life insurance companies are recommended to tie up their partners of the life insurance brokers under the common goal of profitability, on the basis of the effective integration of resource and the achievement of the mutual benefit to the both parties, and make the maximum performance as their strategy.
3.Organizational structure : The non-life insurance companies are also recommended to set up independent departments responsible for the development and maintenance of channel of life insurance brokers. For the external operation, the departments are to provide the brokers the channel of communication and complaint so as to solve problems from the brokers efficiently and to improve the service quality; for the internal side, the departments are to convey the right message from the brokers and through the division of labour authorization, to know well and keep regular progress of cooperation with the brokers, and to have conflicts resolution between the brokers, which from the point of cooperation strategy, will reach a long-term interactive partnership.
4.Performance goals : the non-life insurance companies shall conduct a periodical access on the performance of the partners of life insurance brokers to work out and meet the goals agreed by both parties. For the non-financial sides, the performance is evaluated via the contribution and productivity of the employees to the channel, and provide incentives to create the operation profit. Ultimately, to surpass the performance goal is the core value of strategy of promotion of Non-life insurance industries to cooperate with the life insurance brokers.
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Tsai, Cheng-Lin, and 蔡政霖. "Exploring Performance of Life Insurance Company：The Case Study of P Life Insurance Company." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/5n3wjp.
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碩士<br>國立臺灣師範大學<br>高階經理人企業管理碩士在職專班(EMBA)<br>104<br>It is an important issue for customers to choose a good life insurance company. This research investigates the business and operating strategy of a life insurance company using a case company which obtained the model company four times. In addition, the study uses factor analysis to establish four indexes including policyholder responsibility, profitability, operating efficiency, and financial structure to evaluate the operating performance of the case company and other life insurance companies.
The empirical results indicate that the case company does not perform better than other life insurance companies at policyholder responsibility and operating efficiency. The possible reason is that the case company focuses mainly on protection products not on saving-oriented products. Furthermore, the case company focuses on premium income not non-operating revenues. Although the case company does not perform better than other companies based on financial ratios, the complaint rate of the case company is lower than that of other life insurance. Therefore, except financial ratios, customers need to understand the product types, the ratio of non-operating revenues divided by net income, and complaint rate before choosing a good life insurance company.
25
Chen, Chiu-ling, and 陳秋伶. "The Research of the Asset Allocation Perfomances in Life Insurance Companies - The Samples of Cathay Life Insurance and Shin Kong Life Insurance." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/47871229012604834430.
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碩士<br>國立中山大學<br>財務管理學系研究所<br>94<br>The domestic life insurance industry at present is in the steep competition situation. With the fund accumulated rapidly, which investment strategy the life insurance company should take is very important. Law of Insurance 146th puts the restriction on the investment upper limit of the life insurance company. This research will discuss the influence of this investment restriction on life insurance companies’ asset allocation by the samples of Cathay Life Insurance and Shin Kong Life Insurance, and also evaluate the performances of these two life insurance companies. Moreover, under the investment restriction, this research compares the investment rates of return between the optimal portfolios by different portfolio performance measures and the actual portfolios of the two life insurance companies and also shows that which portfolio performance measure is more suitable for life insurance companies to contribute to the decision-making of the life insurance companies about asset allocation.
This research utilizes the Efficient Frontier that is inferred from the Markowitz’s portfolio selection model to apply on the Sharpe measure and the IRp measure to achieve the research’s goal mentioned above.
The conclusions of this research are as follows: 1. Evaluated by the Sharpe measure, whether there is the investment restriction or not, the difference is small；Evaluated by the IRp measure, then there is the higher expected rate of return and better diversification with no investment restriction. 2.The actual rates of return of Cathay Life Insurance and Shin Kong Life Insurance are below the expected rates of returns of their portfolio evaluated be the Sharpe measure and the IRp measure. Moreover, This two measures show that Cathay Life Insurance has the better investment performance then Shin Kong Life Insurance. 3. Under the investment restriction, the differences between the expected rates of return of the optimal portfolio whether by the Sharpe measure or the IRp measure and the investment rates of return of the actual portfolio of these two companies are caused by the influence of the macro economy. 4. If there is no investment restriction, the optimal portfolio of the IRp measure has the better diversification that fits the conservative character of the life insurance companies.
26
Tu, Ling-Chia, and 涂菱家. "A Study on Bank Insurance Channel Strategies of Life Insurance Firms – Taiwan Life Insurance as an Example Company." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/85778476612834657041.
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碩士<br>元智大學<br>經營管理碩士在職專班<br>99<br>This study primarily explores bancassurance channel strategies of life insurance firms. This study uses case interviews to interview senior directors at life insurance firms as well as senior directors and financial management personnel responsible for sales at banks, in order to research life insurance firms and explore how they develop bancassurance channel strategies.
In Taiwan, in collaboration between life insurance firms and banks, bank insurance business generally signs tri-lateral contracts. In recent years, in the life insurance marketing channels, bancassurance has taken up over 60% of the business of life insurance. This study primarily explores how life insurance firms that have not joined financial control groups can increase their own competitiveness to continue developing in the bancassurance business; the factor of bancassurance channel management strategy is an important issue.
This study uses literature review and question design to establish a research framework, using aspects such as the motivation for strategic alliance collaboration, selection criteria for strategic alliance partners, and interaction and communication in the process of forming the strategic alliance, to explore factors that affect the management strategy of bancassurance channels. This study proposes the primary factors for banks selling insurance products, and it is hoped that this can be used to provide life insurance firms with a reference in the management of bancassurance business, so as to elevate the competitiveness in terms of bancassurance channels of life insurance firms that have not joined financial control groups.
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彭彥焜. "The Cases Study of Knowledge Share on Life Insurance:The Prudential Life Insurance and Shin Kong Life Insurance." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/40026892812791107930.
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碩士<br>明新科技大學<br>企業管理研究所<br>95<br>This research is for the purpose of studying the enterprise internal knowledge share, the analysis enterprise impels internal knowledge share the goal and the actual procedure, and induces the organization to impel internal knowledge share the practice construction.
Therefore, this research carries on a substantial evidence research by two companies in the life insurance industry. Aim at six executives carry on the depth interview to understand the individual cases company sharing in the knowledge of actual condition. And issue a research a questionnaire to grass-roots employee secondly. Send out 300 questionnaires totally, recover 222, carry on analysis to the data that the questionnaire collects finally,with the covariance software of the SPSS is the main tool of the analytical data, basis research purpose and the research built up by it assumption, adopt different of change the quantity analysis more method take into analytical .
The research detect, the knowledge shares an activity in the life insurance industry, is the value that is subjected to equal degree, and through the research manifestation, the results that practices the knowledge sharing for the enterprise expresses really is have a help. This research proves that enterprise target, the leadership style, incentive system with the important factor that influences the knowledge sharing will, and of this three factors, each other all has obvious relativity.And the knowledge sharing will is the important factor of the influence organization results, and both have obvious relativity. The research shows as a result, in the individual cases company, in addition to sex, the employee's age, level of deucation and the service past service share each factor with knowledge to have obvious and sexual influence mostly.
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Tsai, Ming-ta, and 蔡明達. "Service Quality Management for the Life Insurance Industry - A Case of PCA Life Insurance." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/ghm85u.
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碩士<br>國立高雄大學<br>國際高階經營管理碩士在職專班(IEMBA)<br>97<br>As the environment changes, life insurance companies operating more and
more difficult, the rapid decline in global interest rates, making life insurance
company's funds, to be able to be an effective return on investment, testing the
viability of operators.
The increasingly well-developed Internet information, and many commodities
traded through the Internet increased the flow of species through the network cost of
sales, after-sales service costs dropped; social structure, changes in laws, social
welfare workers rising awareness of strategy for traditional insurance companies,
"human sea tactics" gradually being challenged. The past, traditional sales maintain
a high market share by human sea tactics; recent, sales channel handled by Financial
Consultant and telemarketing, shopping insurance policy on website could be
happened on nearly further. All above are going to change the life insurance
marketing structure.
In this study, Prudential Life Insurance is the research object, by using
literature review and questionnaire survey, this study tries to get an in-depth
understanding of the life insurance industry. We issued 600 questionnaires and
recovered of 320 validities in Kaohsiung. By the recovery of the questionnaire
analysis and the quality housing and the service gap in both the quality of research
to understand the life insurance industry for existing client’s expectations and needs
of the service, and the Prudential Life Insurance in the service quality, such as
whether there are gaps, the remedy, and I hope that Prudential as to improve the
quality of life of service based on the results of this study by the insurance industry
to provide different services to customers as a proposal.
The results of this study reveal that clients expect not only a policy but also a
sense of security what insurance company offered, they also look forward to
Including the design of insurance products which concerned the point of view of
customers． Moreover the quality housing can be seen through that Prudential Life
Insurance to be improved on two points, the numbers of service station and sales
attitude. Then will increase customer satisfaction and retain customers if above two
points were improved. The concept of quality of service can be informed that
Prudential Life Insurance in understanding the real needs of customers, the
company have a set of standard processes to meet customers and to improve
customer satisfaction in three areas, such as the gap is in need of improvement.
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Kao, Jen-Shuen, and 高振順. "The Performances of Life Insurance Agents--A Case Study of Life Insurance Company X." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/18406492927687343551.
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碩士<br>國立高雄第一科技大學<br>風險管理與保險研究所<br>99<br>Time Investment is the very basic for life insurance sales, but there are also various reasons affecting a sale’s performance. Besides prior factors of sales such as gender, age, seniority, job grade, education, and the region the unit serves, many company related factors, including the administrative systems for personnel, appraisals, salary; financial and operation status of the life insurance company; business culture and image; product operation strategies and marketing channels, etc., would also influence life insurance sales’ performance.
This study analyzed possible factors affecting sales’ performance of a X Life Insurance Company . These factors include gender, age, seniority, job grade, education, and the region the unit serves. Findings from this study can be used as an organization efficacy reference for the business office of life insurance companies.
This study adopted a multi-factor analysis of variance approach to analyze factors likely to affect the first year premium (FYP); these factors include gender, age, seniority, education, job grade, the region the unit serves, etc. Empirical findings are presented below:
1.The first year premiums of managerial level life insurance sales are all greater than supervisors rated as more than outstanding as well as those rated as less than outstanding. In addition, the average premium of supervisors rated as more than outstanding is greater than that of supervisors rated as less than outstanding.
2.For the first year premiums of life insurance sales serving at different region, the average premium of sales from Kaohsiung city is significantly greater than that of sales from Pingtung county as well as outlying areas. Meanwhile, the average premium of sales from Kaohsiung county is also greater than that of sales from Pingtun county as well as outlying areas.
3.For the first year premium of life insurance sales, a significant interaction can be found between job grade and gender, job grade and region that the unit serves, and job grade and seniority.
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Li, Hung-An, and 李宏安. "Modelling Development of Life Insurance Industry and Performance of Life Insurance Firm in Asia." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/00440645872225345585.
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博士<br>國立中興大學<br>應用經濟學系所<br>98<br>This dissertation comprises two empirical essays on the development of life insurance industry and the performance of life insurance firm in Asia. The first essay utilizes a panel threshold model to investigate the relationship between economic development and life insurance market development in 10 Asian countries from 1979 to 2008. The empirical evidence shows there is a single optimal threshold level exists, and that indicates two regimes where the change of GDP effects on the development of life insurance market differ. The change of GDP does have a significant and positive impact on the development of life insurance market. However, when the change of GDP is higher than the threshold value, the impact of GDP increasing on life insurance development is clearly substantial than the change of GDP lower than the threshold value. Overall, the empirical evidences show that indicator of financial development, real interest rate and savings all have positive impacts on the development of life insurance market in this study.
The second essay adopts a hierarchical linear growth model to estimate the sources of heterogeneity in firm-level performance and growth between life insurance industries located in 7 Asia countries from 1997 to 2006. Using HLM methodology allows this study to simultaneously investigate the impacts of variables at macro-level and micro-level and also potential correlations cross levels on performance of life insurance firms. The empirical evidences of this study show that when ROA is the indicator of performance, the growth of performance of life insurance industry in Asian courtiers is quadratic equation. That means the performance of life insurance firm is non-linear growth. This study found that as time goes on, ROA growth rate grows but accelerated rate of ROA growth decreases. In addition, D/A has a significant and positive impact and the change of asset has a negative impact on average ROA. Moreover, D/A has a significant and negative influence on ROA growth rate. This study found that the age dependency ratio and life insurance density significantly and negatively affect average ROA. As regards the analysis of interactions, the positive relationship between D/A and average ROA will be advance by the age dependency ratio; however it will be diminished by financial development. Moreover, the negative relationship of market share and average ROA will be intensified by financial development and life insurance density. Besides, the age dependency ratio may attenuate the negative effect of D/A on ROA growth rate.
When the ROE is the indicator of performance, this study found that D/A is positively related to average ROE. However, the change of assets of life insurance firms is negatively related to average ROE. Also, market share has a significant and positive impact on ROE growth rate and the change of assets of firms has a significant and negative impact on ROE growth rate. Both the economic growth and life insurance density are positively associated with average ROE. However, the age dependency ratio related negatively to average ROE. The positive relationship between D/A and average ROE will be strengthened by the age dependency ratio, but will be attenuated by economic growth. Moreover, financial development may lessen the positive effect of growth of assets on performance. Also, the positive relationship between growth of life insurance premium and ROE will be advanced by larger the age dependency ratio and smaller life insurance density.
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Chen, Wei-tieng, and 陳韋廷. "A Comparison of Capital Utilization between Chunghwa Post Life Insurance and BankTaiwan Life Insurance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/23990137142598039973.
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碩士<br>國立高雄第一科技大學<br>風險管理與保險研究所<br>103<br>Chunghwa Post Life Insurance started selling Postal Simple Life Insurance in 1935, in the same year, Central Trust of China, the predecessor of BankTaiwan Life Insurance, established the Department of Insurance to host life insurance business, it has been lasting for almost seventy years up to now. The two main sources of revenue of the insurance industry are underwriting income and investment income, due to market competition and impact of low interest rates, investment income has become the main source of revenue for insurance companies, therefore, this study investigates the influence of the investment income and investment allocation under the supervision of Insurance Laws of Chunghwa Post Life Insurance and BankTaiwan Life Insurance. Independent samples t-test and regression analysis methods are used to analysis how the two insurance companies using different funds to investment from 2009 to 2013.
There are five items exist significant differences in the average rates of investment, they are deposit, government bonds and treasury bills, corporate bonds, real estate investment and secured loan. Among these, BankTaiwan Life Insurance has higher average rate of investment in deposit, corporate bonds and real estate investment. Chunghwa Post Life Insurance has higher average rate of investment in Government bonds and treasury bills as well as in secured loan. Regression analysis showed that deposit and stock have significant positive impact on yield of capital utilization. There is no significant difference on yield of capital utilization between Chunghwa Post Life Insurance and BankTaiwan Life Insurance.
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王秀霞. "Life Insurance Company development strategy of offshore insurance unit." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/08774882924766734181.
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CHANG, KAI-JAY, and 張凱傑. "The Life Insurance Agents' Attitudes toward Customer Insurance Fraud." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/7hf8p7.
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碩士<br>逢甲大學<br>風險管理與保險學系<br>106<br>With higher education standard, people realize that insurance not only compensate loss to danger but also stable development of economy. Compare to past, the willing of buying insurance is higher, so is insurance fraud. Insurance fraud obviously violates the meaning of insurance, increases social cost and causes higher rate so that getting insurance is more difficult to people. This study is based on salesperson and fraud by taking former researches as references. By making questionnaire to Taiwan insurance salespersons and recycling result for data quantify, we understand the attitude toward the customer when fraud happens. Through these data, we subjectively analyze the result and give our point of view for future study.
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Chang, Hsiu-Chen, and 張秀禎. "The Study of Perceiving Elements Affecting Life Insurance Sales Agents Selling Investment Linked Life Insurances." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/74909514535192537740.
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碩士<br>朝陽科技大學<br>保險金融管理系碩士班<br>96<br>This paper establishes an understanding of the problems faced by insurance agents in the marketing of investment-linked insurance products and the relevant impacts. The conclusions of this paper are as follows:
1.Sales agents believe that the know-how in investment-linked insurance products is a prerequisite in the future. Also, investment-linked products are more complex than traditional policies and therefore, they are more difficult to understand. The market potential for unit-linked insurance products still has room for development.
2.When marketing investment-linked products, agents feel that it is more difficult to obtain licenses for such products compared to traditional products. The after-sale services for investment-linked products are also more demanding and complicated. Agents would analyze the market of investment-linked insurance products before they market them because they believe that this is an important issue.
3.Training classes offered by companies such as sales techniques, popular funds in Taiwan and overseas, introductions to different products are all very helpful to the marketing of unit-linked products for agents.
4.Although investment-linked products have created premium incomes for new contracts twice as much as traditional products in 2007, only 8.6% of the interviewers intend to focus 8.6% of their efforts on investment-linked products in the future. 81% of the agents decide to split their efforts on both investment-linked products and traditional products. This shows that traditional products should not be abandoned. Both companies and agents should meet the needs of policyholders for sustainable businesses.
Key words: Investment-linked insurance, Insurance sales, Licences of investment –linked insurance products
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李婉萱. "A Study of Life Insurance Agents’ Marketing Insurance Products by On-line Social Network." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/40968945589043252944.
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碩士<br>逢甲大學<br>風險管理與保險學系<br>102<br>In addition to the traditional insurance marketing channel, Internet has become a modern insurance company&;#39;s main marketing channels. Among them, the social network have already become important marketing channel for life insurance agent when they face with young customers. Using the life insurance agent as the research subject, collecting data by questionnaire survey, this research investigates the impacts of demographic variables and the behavior of using social network on the behavior and performance of using social network for insurance product marketing of life insurance agent. The research results found that,
1. The life insurance agent with younger age, non-executive position, higher insurance annual income have higher probability to use social network to sell insurance products. Life insurance agent who are used to use Weibo have higher probability to use social network to sell insurance products. The longer the time to use social network daily, the higher the probability for life insurance agent to use social network for insurance products marketing. Life insurance agent , who are used to share information of insurance product contents, real time insurance information, simple insurance, insurance claim information, have higher probability to use social network to sell insurance products. Life insurance agent who hope to improve their performance also have higher probability to use social network to sell insurance products.
2. For demographic variables, such as gender, age, education level, marriage are uncorrelated with the performance of life insurance agent by using social network to sell insurance products. For life insurance agent, the more the number of friends at social network, the better the performance of marketing insurance products. The daily time length of using social network is unrelated to the performance of marketing insurance products. Life insurance agent, who are used to post life information and insurance information on social network, have better marketing performance of insurance products.
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Kao, Yi-chuan, and 高憶娟. "The Synergy Analysis of Insurance Company Merger-Evidence from the Merger of Fubon Life Insurance and ING Life Insurance." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/91676680139282153046.
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碩士<br>國立中央大學<br>財務金融學系在職專班<br>101<br>This study reports the changes of several merger efficiency variables from the pre-merger to the post-merger of Fubon and ING. The empirical results show that while operational efficiency and market efficiency are not promoted by the mergerfinancial efficiency is significantly improved in the post-merger period.
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Lin, Fang Mei, and 林芳梅. "Investment-Linked Insurance and Financial Performance：Evidence From Taiwan Life Insurances Industry." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/57401664466378611483.
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碩士<br>僑光科技大學<br>財務金融研究所<br>102<br>The paper aims to investigate the relationship between investment-linked insurance and firm performance using the panel data from 2008 to 2012 of life insurers in Taiwan. This result indicated that investment-linked insurance business is positively related to life insurers. In others words, the higher the level of investment-linked insurance business, the better the company’s financial performance. This also shows that Taiwan’s life market to support investment-linked insurance. In addition, the results also indicated that large life insurers can increase the financial performance when the company expanded investment-linked insurance business.
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Chou, Chun-nan, and 周俊南. "Risk Classification in Life Insurance." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/51321778035224905494.
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Liu, Ssu-Min, and 劉思敏. "Two Essays on Life Insurance." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/35155614101473987687.
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碩士<br>淡江大學<br>產業經濟學系碩士班<br>93<br>Essay 1：Granger and Newbold (1974) showed that when nonstationary time series are used in a regression model this may cause spurious regression. Hao and Cuou (2001) proposed that the literatures of the demand for life insurance in Taiwan which use time series data have spurious regression problem. To solve the problem, one should detect the time series whether it contains a unit root or not. But Perron (1989) showed the failure to allow for a structural break leads to a bias. Hence, this study use the endogenous two-break LM unit root test derived in Lee and Strazicich (2003). Finally, the empirical results show that personal life insurance coverage of new contracts, personal life insurance premium income, the price of life insurance and per capita national income are with unit roots.
Essay 2：The insurance market in Taiwan grows rapidly during the past decade because of the economic growth and less regulation governing the market. The financial market booms in recent years as well and the innovation of various financial products provides diverse channels of investment. The life insurance may become one of the components of portfolio. This study explores whether the financial development affects the consumption of life insurance. The development of financial market provides various choices of investment for consumers, and this may decrease consumers’ demand for life insurance. With the development of financial market, various kinds of life insurance products, nonetheless, appear for diverse needs, and this may increase consumers’ demand for life insurance. This study, hence, tests the relation between consumers’ demand for life insurance and the financial development. It uses the bounds testing approaches developed by Pesaran et al. (2001) to analyze the level relationship between the demand for personal life insurance and the financial development and other demographic and economic determinants in Taiwan. It can be applied irrespective of whether the regressors are I(0), I(1) or mutually integrated, and this avoids carrying out unit root tests which are complained about the low power. The time-series data are collected from various issues of Life Insurance Quarterly and span over the period from 1982 Q3 to 2003 Q4. The evidence can’t support the hypothesis that the development of financial market decreases consumers’ demand for life insurance.
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Lee, Shu-Yuan, and 李淑媛. "Life Insurance Marketing Potential Analysis." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/60347054340380140771.
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碩士<br>大葉大學<br>事業經營研究所碩士在職專班<br>96<br>The purpose of this study was to explore the market potential of the insurance industry. The factors of decision making in purchasing investment-oriented insurance policy was also been examined. By applying the specific case analysis, the researcher indicated the best combination which provides the best return rate and the lowest risk rate.
Investment-oriented insurance policy not only has been broadly accepted globally, it but also has been the main policy and been sold for years in domestic market. The finding of this study could provide the insurance agent a guideline to sell a best-combination of investment-oriented insurance policy. It also could increase the sales potential of insurance company.
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mei-li, yen, and 嚴美麗. "Competitive Strategies of the Life Insurance Industry - A Case Study of Life insurance Industrial Co." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/80988817389810477012.
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碩士<br>輔仁大學<br>科技管理學程碩士在職專班<br>93<br>According to Porter (1979), the competition status of an industry is determined by five forces: threat of new entrants, threat of substitute products or services, bargaining power of buyers, bargaining power of suppliers, and rivalry among existing firms. This research validates how firms can create their advantages by adapting Porter’s generic strategies including strategies of focus, low cost leadership, differentiation, and focus.
Firstly, this research conducted a throughout study on the Life Insurance industry, and identified several key factors for a company to be successful in this market. Secondly, this research pinpointed the competitive advantages /disadvantages of each individual company by SWOT (strength–weakness– opportunity–threat), and their market position resulted from their marketing activities. Finally, on the basis of five forces and value chain analysis, this research concluded the competitive strategies of Nan Shan Life, and predicted its future value in this industry.
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PU, YUN-HSI, and 卜運喜. "Travel reward competition in life insurance industry — a case study of S Life Insurance Company." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/71531643600755713022.
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碩士<br>國立臺灣科技大學<br>企業管理系<br>95<br>The purpose of this study is to explore the relationships between travel rewards competition, business achievement, and organization management. The objectives of the study are: 1) To discuss the relationship of travel reward competition and the formation of salesperson’s basic training; 2) To study if travel reward competition can stimulate the improvement of basic training, the increase of new contracts and recruits, and the decrease of the alteration of salespersons; 3) To investigate how to design a travel reward competition plan which suits salespersons’ needs better; 4) To explore how to combine professional training into travel reward competition; 5) To investigate if travel reward competition influences company’s operation; and 6) To review the design and implement history of travel reward competition, and to address improvement plan and suggestions as reference resources for insurance practice.
The research method of the study was case study. The object of the study was S Life Insurance Company. The comparisons were made between S life and the other four life insurance companies in Taiwan which were Cathay Life, Taiwan Life, Farglory Life, and MassMutual Mercuries Life. Interviews and documentation review were used for in-depth exploration and comparisons between the object and the others. The results of the study are: 1) Travel reward competition is a strategy used in life insurance industry to strengthen organization, to boost popular morale, to multiply business achievement, and to create the values of diversity; 2) In the object company, during the competition periods, the revenues of insurance premium in each sales department were higher than usual, and there were positive influences on business goal achievement and salespersons’ income; 3) There was no positive relationship between travel reward competition and the number of new contracts; 4) There were positive relationships between travel reward competition and organizational management such as: to train for excellent salespersons, to recruit, to reduce resignation percentage, to increase salespersons’ stability, to stabilize and promote organization development, to establish a warm working environment, to hold the organization together, and to stimulate salespersons’ potential; 5) In the object, of all salespersons, 33% had positive feedback on travel reward competition while 38.6% gave negative feedback; of the salespersons who were qualified for the travel reward, 70% were satisfied with the travel reward, and 80% were willing to continue to compete for qualification. The qualified salespersons had positive feedback on qualification criteria, the time of the trips, and trip arrangement. The criteria of qualification should be considered as a win-win situation in which premium revenue, salespersons’ commission, and the distance of travel destination should be balanced; and 6) Budget should be generous for designing high quality celebration activities to accomplish the goals of travel reward competition.
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Wei, Tzu Po, and 魏子博. "The Optimal Asset Allocation for Life Insurance Companies：Using Life Insurance Company F as an Example." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/67932863426566600107.
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碩士<br>長庚大學<br>管理學院碩士學位學程在職專班經營管理組<br>98<br>Abstract
With the current climate of global economic uncertainty, the impact of liberalization, globalization, the growing complexity of the finance industry, the Life Insurance Industry is facing more environmental challenges than ever. The major differences between the Life Insurance Industry and other service providers in the finance industry is that the Life Insurance Industry needs to establish a long-term financial structure, also the necessity to comply with the relevant laws and regulations on its capital as well as financial management.
According to a life insurance enterprise’s investment within the constrains of the current regulation as stipulated in Article 146 of the R.O.C. Insurance Law, this research aimed to analyze the impact of said investment constrains on a life insurance enterprise’s Asset Allocation, hereunder taking Life Insurance Company F as the example. With consideration of the restrictions of current laws and regulations, Markowitz’s investment theory was used to identify the Efficient Frontier; Sharpe Measure was used to validate the gap and the reasons between the theoretical optimal investment returns and the real returns of the Company’s investment portfolio based upon the scenario of investment weights during year of 2005 till 2009 in Life Insurance Company F.
Using Markowitz’s investment theory, this research analyzed Company F’s major investment objects to determine the Efficient Frontier of a life insurance company’s investment portfolio. Meanwhile, considered the restrictions of current laws and regulations on the capital utilization of a life insurance company, the impact analysis of the Efficient Frontier on the life insurance company’s asset allocation and whether the regulatory restrictions would cause any difference to the Efficient Frontier.
The model formulated in the research benefits to life insurance companies regarding to profit prediction and investment risk management, by using Markowitz’s investment theory to determine optimal Asset Allocation. This can serve as a reference for life insurance companies in planning investment strategies.
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Chun-Maio, Hsu, and 許淳妙. "Life Insurance Solicitor's Survival Rate in Taiwan-A Case Study in M Life Insurance Company." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/63122521164842124516.
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碩士<br>國立高雄應用科技大學<br>金融資訊研究所<br>98<br>New products have been creating and diversifying in the molder financial market. During the era of financial holding companies’ establishment, the “Financial Men” not only have more and more competition with the other ones, but also face the pressure of cross sales. And there is no exception to life insurance salesmen in this kind of condition. After opening market of Taiwanese insurance industry, frequently decreasing rate of policy, being on the impact of “Financial Tsunami” in year 2007, life insurance salesmen have worse and worse sales environment.
Under the massive competition of the other insurance companies, it is am important issue of life insurance companies that how to recruit and keep suitable salesmen, in addition to searching good marketing character and professional salesmen aggressively. High turnover rates is not only a block of sales development, great damage to the company image, but also disadvantage to run the organization and set up enterprise culture.
This study uses the data of the new recruits from southern branch of M life insurance companies from January 1, 2006 to December 31, 2006. Until June 30, 2009, this dissertation is to investigate whether new recruits’ survival rate is affected by the different variables, such as genders, ages, education levels, and areas. The results of this study find that the variables genders, age, and education levels do not have significant effect on the new recruits by using life table method and Kaplan-Meier. But this study finds that the variables of areas could influence significintly the survival rate of salesmen by using life table method and Kaplan-Meier.
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Liu, Ming-Yo, and 劉民祐. "Analysis of Discrepancy on Term Life Insurance and Whole Life Insurance: An Application of NPV." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/38950124013602113364.
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碩士<br>朝陽科技大學<br>財務金融系<br>102<br>This thesis on how consumers buy life insurance products, according to their insurance needs and budget constraints, purchase the most affordable life insurance policy, to achieve the purpose of the least money to get the maximum protection and, through this study and empirical results of Chapter IV analysis, the ultimate guide on how to buy the most suitable insurance to promote compliance with the essence of insurance. The empirical results of this thesis summaries compiled in three parts. The first part is a dangerous condition for the payment of claims paid during the period: whole life insurance term life insurance will have to pay more than the cost of claims paid to obtain exactly the same, so in this case, the net present value of Evergrande in term life insurance whole life insurance, term life insurance to buy it more advantageous. The second part is greater than or equal to the life of the average life of claims paid: when the average life expectancy benefits, the present value of the net present value after subtracting the present value of the annuity premiums are negative, and with more longevity NPV low, obviously if buying life insurance, and whose life expectancy is greater than or equal to the average life expectancy of the insured person adversely. The third part is to pay less than the average life expectancy of danger expires claims, ninety percent male portion of the net present value of the empirical results is negative, while the female portion of the net present value of about 40 percent positive, although There are many life insurance policy value reserve escrow, term life insurance is still better than the life insurance.
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CHEN, CHUN-HUNG, and 陳俊宏. "A Study of Key Factors of Insurance Brokers Choosing Life and Non-life Insurance Companies." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/48993n.
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碩士<br>國立高雄第一科技大學<br>風險管理與保險系碩士專班<br>106<br>Legally speaking, insurance brokers are intermediary agents for insurance buyers. Insurance brokers must thus make meticulous evaluations in the selection of property, casualty and personal life insurance companies for their clients. This study focuses on the selection criteria used by insurance brokers when selecting these kinds of insurance companies. Questionnaires were sent out to professional insurance brokers from both the sales and administrative sides of the insurance industry. These subjects were selected via purposive sampling. A total of 226 completed questionnaires were collected. Empirical results applied analytical methods such as t-test for independent sample, single factor variation and exploratory factor analysis. Analysis of the data suggests that dimensions like “product orientation”, “service orientation” and “company brand orientation” impacted how insurance brokers select insurance companies. Among these dimensions, factors like product design, commission rates, sales expectations, overall effectiveness (e.g. underwriting, insurance claims, customer service), auxiliary marketing, and company branding all have an effect on how insurance brokers select insurance companies for property, casualty, and personal life insurance. By focusing on these factors in operations and marketing, insurance companies try to create a win-win situation for insurance brokers, companies, and clients. Brokers are thus incentivized to work with these insurance companies, them more business.
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Cheng, Chu-Yun, and 鄭筑云. "The Study of Life Insurance Industry Operations on Small Amount Whole Life Insurance in Taiwan." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/5r4g8w.
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碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>106<br>Since Taiwan society is facing with the problem of an aging population, the Financial Supervisory Commission (FSC) encourages life insurance industry to develop, design and promote micro-life insurance and small amount whole life insurance to meet the basic insurance protection needs of poor people and elderly people. Besides, the FSC also hopes small amount whole life insurance can replace Death of The Elderly Mutual Aid Group.
This study conducts a questionnaire to investigate the recognition and purchase intention of small amount whole life insurance. By descriptive statistics, One-Way ANOVA and the logistic regression, the empirical results have shown as follows.
1.The demographic variables including age, gender, marital status, monthly salary, residential location and the number of children have significant impact on recognition of small amount whole life insurance.
2.The demographic variables including age, marital status, the level of education, monthly salary, the numbers of children and occupation have significant impact on the willingness to purchase small amount whole life insurance.
3.People with higher recognition for small amount whole life insurance have more willingness and motivations to purchase small amount whole life insurance.
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Hsieh, Ching-huang, and 謝慶皇. "Non-life insurance agent in the management of banking insurance." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/46997651444655188019.
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碩士<br>逢甲大學<br>經營管理碩士在職專班<br>95<br>Due to the growing trend towards free marketing and internationalizing in Taiwan’s finance operation, the finance related businesses, including banking, insurance, stocks and bonds, investment and so on, all ran into difficulty in recent years. Besides, the trend for joint venture in finance operation also challenged these finance businesses as well.
The study investigated banking insurance channels of property insurance agencies and brokers by doing paper research, data analysis, and interview. The study found that:
1. In a finance group, how the insurance agencies and brokers were put depended mainly on the supportive attitude of the key man.
2. The company that provided a higher commission to its business partners didn’t guarantee its better prospects of promotion.
3. The management of the property insurance agencies and brokers should not only maintain the core competition strength, but also equip with the competence for resource integration.
4. Combine with of the banking and insurance brand also industial culture will provide a unique sales differentiation that increases sales revenues for income.
In addition, the study also suggested that property insurance agencies and brokers might expand the channels to overseas areas and establish their customers’ databases to attain the greatest management effectiveness via second marketing and cross-selling.
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Chiang, Jui-Hsiung, and 江瑞雄. "A study of Life Insurance Industries Investment-oriented Insurance Products." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/44025690882830213658.
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碩士<br>淡江大學<br>保險學系保險經營碩士班<br>90<br>Title of Thesis：A study of Life Total pages：90
Insurance Industries Investment-oriented Insurance Products
Key Words：Investment-Oriented Insurance Products, Mutual Fund,
Marketing channel, Separate Account
Name of Institute ：Master''s Program in Insurance Management , Tamkang University
Graduate date：June , 2002 Degree Conferred ：Master
Name of student： Advisor：Associate Professor
Jui-Hsiung Chiang Li-Chu Lin
江瑞雄 林麗銖 副教授
Abstract
Recently, Life insurance industry is in face of benefit decreasing because of interest loss. Insurance company has to design a new product－Investment-oriented Insurance Products, to solve the impact of interest loss. As the financial environment in our country has made it favorable for life insurance companies to market Investment-oriented Insurance, we are sure that Investment-oriented Insurance Products will become popular in the near future, giving consumers has more than choice of insurance products.
This thesis was completed through the analysis and comparison of the Investment-oriented insurance policies issued by life insurance companies, based on my perusal of various investment-related report, paper and thesis. Then, conclusions and suggestions are made as follows：
（1）The consumers must have the concept of benefit gain or lost by themselves.
（2）The Investment-oriented Insurance Product should be regarded as a tool of insurance.
（3）The consumers must hold the Investment－oriented Insurance for a long term.
（4） The management of computer system and administration in life insurance industry.
（5） The quality of marking people in life insurance company should be regarded.
（6） The need of expanding marketing channel by life insurance company.
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Chiu, Yi-Jing, and 邱怡菁. "The Development of Mobile Insurance in Taiwan Life Insurance Companies." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/12674764647988049489.
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碩士<br>逢甲大學<br>風險管理與保險學系<br>103<br>The research is about the development of Mobile Insurance in Taiwan life insurance companies. By visiting and interviewing salespeople, we can know that the situation of Mobile Insurance and the benefits it bring. We also understand the difficult in their APPs exploiting, promotion and then how to solve those difficulties. Mobile Insurance brings life insurance companies many benefits, the most obvious point is that the cost of human resource because it causes labors reallocation. The most difficult of all is developing APPs, creating APPs is good for salespeople with higher stability are the most necessary to resolve for life insurance companies because APP is an important role in developing Mobile Insurance for life insurance companies. Finally, giving two pieces of advice to life insurance companies via the study. First, let salespeople to accept new sales pattern in progressive way. Second, the task of creating APPs must be conducted by IT department in life insurance companies. It makes data connects smoothly and would be convenient for salespeople.