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https://nccur.lib.nccu.edu.tw/handle/140.119/35507
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| Title: | 壽險公司實施優良體之市場展望 |
| Authors: | 王碧波
WANG, PIPEH |
| Contributors: | 蔡政憲
王碧波
WANG, PIPEH |
| Keywords: | 優良體
優良體保險
核保
危險分類
PREFERRED RISK
PREFERRED RISK POLICY
UNDERWRITING
RISK CLASSIFICATION |
| Date: | 2005 |
| Issue Date: | 2009-09-18 15:11:19 (UTC+8) |
| Abstract: | 早期壽險業危險分類的結果，僅區分標準體、次標準體以及拒保體，直到1970年代，美國一家壽險公司為了尋找市場利基，開始針對非吸煙保戶給予優惠費率，從此打開市場，創造競爭優勢；這是壽險公司實施優良體保險的開始。
優良體保險的實施，完全符合公平危險對價的理念，對壽險經營產生正面的意義為：一、因有優惠費率的誘因，可吸引更多的健康者購買保險。二、鼓勵壽險公司更專精於死亡率資料的收集分析及死亡原因的探索，藉以促進危險選擇技術的進步。三、壽險公司擴大承保範圍以增加業務量。
國內傳統壽險保單發展已到了成熟階段，如果壽險業者尋求創新和升級的機會，發展優良體保險，讓保費真正反映風險，這樣的精緻保單，或可爭取保戶認同，贏得商機。
參佐國外的經驗，本研究觀察優良體保險應為未來核保及商品發展的趨勢，乃透由文獻資料分析及深度訪談方式，據以了解優良體保險實務運作的概況、國內壽險業實施優良體保險可能面臨的問題與解決之道，以及經營優良體保險之決策程序及行動方案，作為國內業者未來導入優良體保險的參考。
關鍵字：優良體、優良體保險、核保、危險分類。
In early times, life insurance business classified risk into standard risk, substandard risk, and declined risk only. In 1970s, one life insurance company of the United States began to sell discounted-premium insurance to non-smoking customers who were classified into standard risk class. This innovation opened the preferred risk market and created its own competitive advantages in the insurance market. The era of preferred risk started then.
The practices of Preferred Risk Class Insurance have three positive effects on the market:
1. More healthy people will be led to purchase the insurance policies due to the preferential insurance premium.
2. Life insurance companies will put more efforts on collecting and analyzing the death rate and cause, which will promote the development of risk selection practice.
3. Life insurance companies will have more chance to sell high-coverage policies and increase the sales volume.
Traditional life insurance policies have gone full-grown nowadays. When life insurance company is willing to innovate and upgrade to develop the preferred risk class insurance policies, this finely insurance policy can attract more customers as long as the premium can reflect the actual risk.
Based on the reports of foreign insurance companies, I believe that preferred risk class will be an innovating risk class of life insurance, and will be the product development in the future. This thesis talks about the disputes, solutions, and decision-making processes of the practice of preferred risk insurance. The content can serve as a reference to the insurance industry in Taiwan.
Key words:
Preferred Risk, Preferred Risk Policy, Underwriting, Risk Classification. |
| Reference: | 中文：
1.小林 修，2003，「日本壽險商品發展的趨勢」，壽險季刊，第127期。
2.王莉婷，1996，台灣個人壽險核保實務之研究，政治大學保險研究所碩士論文。
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4.中華民國人壽保險商業同業公會，2002，台灣壽險業個人壽險年度經驗死亡率及解約失效率研究報告。
5.中華民國人壽保險商業同業公會，2003，人身保險業務員資格測驗統一教材。
6.中華民國人壽保險商業同業公會，2005，中華民國九十三年度人壽保險業務統計年報。
7.中華民國人壽保險商業同業公會網站，2005，世界各國壽險業保費收入，http://www.lia-roc.org.tw/index03/index03.asp?item=rate2003.htm。
8.安德列斯.壽伯辛克，「如何劃分吸煙者與不吸煙者的界線」，南非科隆人壽再保險公司。
9.呂廣盛，2003，個人壽險核保概論，個人印行。
10.胡龍騰、黃瑋瑩、潘中道，2005，研究方法—步驟化學習指南，學富文化事業有限公司。
11.夏銘賢，1998，「台灣壽險業商品研發的演變及新趨勢」，壽險季刊，第109期。
12.陳明哲，2003，「基因資訊在保險核保應用上的規範與爭議」，壽險季刊，第130期。
13.陸健瑜、楊步青、梁子君，「修正生命表的信度理論方法」，精算通訊，第四卷第三期，http://www.shufe.edu.cn/iipe/magazines/vol4no3.htm。
14.德克.尼德爾，「實施優惠風險金定價的第一步：吸煙/不吸煙者險種」，德國科隆人壽再保險公司。
15.藍昭輝，1988，「對不吸煙者採取差別費率所引發之困擾」，壽險季刊，第67期。
16.簡哲民，2004，「壽險核保醫務常識」，財團法人保險事業發展中心壽險核保研討班，第十五期講義。
17.行政院金融監督管理委員會保險局網站，2005，保險業家數及其分支機構統計表， http://www.ib.gov.tw/public/Data/512221635871.xls。
18.行政院金融監督管理委員會保險局網站，2005，保險商品銷售前程序作業準則，http://law.moj.gov.tw/Scripts/Newsdetail.asp?NO=1G0390044。
19.行政院金融監督管理委員會保險局網站，2005，提高國人保險保障新聞稿， http://www.ib.gov.tw/ct.asp?xItem=669053&ctNode=152&mp=1。
英文：
1.Brown, Barbara Foxenberger and Jane Lightcap , 1998, Life and Health Insurance Underwriting, LOMA.
2.Bergstrom, Richard L. and Deborah B. Schmidt, 2000, “Life Insurance Underwriting Tools: An Overview of The Purpose, Cost, and Benefits of Current Risk Selection Tools”, www.Milliman.com/pubs/LifeInsUnderwritingTools.pdf.
3.Black, Kenneth and Harold d. Skipper, 2000, Life & Health Insurance, New Jersey: Prentice-Hall.
4.Bardin, Dan,“The Ultimate Challenge-Satisfying the customer, the shareholder and the Regulator”, 2005, 22nd Pacific Insurance conference.
5.Cummins, J. David, Barry D. Smith, R. Neil Vance and Jack L. VanDerhei, 1991, Risk Classification in Life Insurance, Kluwer Academic Publishers.
6.Du, Jiong, 2005, “Preferred Risk-Actuarial Considerations”, Transamerica Reinsurance.
7.Empire General Life Assurance Corporation, “Field Underwriting Guide”, http://www.themarketingalliance.com/data/ug40.pdf.
8.Gott, David, 2005, “Risk Control and Pricing”, Swiss Re.
9.Industrial Alliance Insurance and Financial Services Inc, “Preferred Risk Underwriting Prequalification Questionnaire”, http://www.nationallife.ca/2001/Forms/Broker/LifeInsurance/E/1788.pdf.
10.ING., “Underwriting Requirements Guide”, http://www.thepg.com/form_pdfs/ING-UnderwritingGuide.pdf.
11.Kelly, James, 2005, “Preferred Risk Underwritten Products-Brokers and Home Office Considerations”, Transamerica Reinsurance.
12.Mast, Jess L., 1997,“ Cost-Benefit Analysis of Underwriting Requirements”, Lincoln National Reinsurance Cos.
13.Munich Re Group, 1999, “The Concept of Preferred Lives”.
14.Macedo, Wayne, 2005,“Preferred Risk Underwriting in The US”, Transamerica Reinsurance.Reinsurance Group of America, Incorporated, 2001, “Preferred Underwriting”,
http://www.rgare.com/media/ReVeal.asp.
15.Holowaty, J. Carl, 2005, “Re-FLECTIONS”, RGA.
16.Schwaiger, Engelbert , 2005, “Preferred Lives-A concept for Taiwan? Underwriting Considerations”, Munich Re Group.
17.Society of Actuaries, 1996, “Preferred Risk Underwriting criteria: Task Force Survey Results”, Marco Island Spring Meeting, Record Volume 22 NO.1,
http://library.soa.org/library/record/1990-99/rsa96v22n163ts.pdf.
18.Society of Actuaries, “Report of the Society of Actuaries Task Force on Preferred Risk”, Transactions of Society of Actuaries, 1988-90 Reports”, http://library.soa.org/library/tsareports/1990-99/TSR9512.pdf.
19.Society of Actuaries, 2005, “Report of the Society of Actuaries Preferred Underwriting Survey Subcommittee”.
20.Werth, Martin, 1995, “Preferred Lives-A More Complete Method of Risk Assessment”, www.actuaries.org.uk/files/ pdf/library/SIAS-1995/preferred.pdf. |
| Description: | 碩士
國立政治大學
經營管理碩士學程(EMBA)
92932810
94 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0929328101 |
| Data Type: | thesis |
| Appears in Collections: | [經營管理碩士學程EMBA] 學位論文
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