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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.
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Peterson, Carl E. "Life insurance sales representative." Online version, 2001. http://www.uwstout.edu/lib/thesis/2001/2001petersonc.pdf.
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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.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.
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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 AplicaçõesThe 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.
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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.
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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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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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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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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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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.Материал посвящен вопросам программ страхования жизни и пенсионного страхования, которые должны быть освобождены от налогообложения.
The material is devoted to the issues of life insurance and pension insurance programs, which should be exempt from taxation.
11
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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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.
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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.
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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.
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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.
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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.QC 20151012
14
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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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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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.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.
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Tseng, Yung Jui, and 曾勇瑞. "Types of Capital Allocation and Performance: A Study of Taiwan Life Insurance." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/20563944314222003466.
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Peng, Wei-chi, and 彭偉齊. "On the Types and Outcomes of Life Insurance Appeals: A Logistic Regression Analysis." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/52946510776512376864.
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碩士東吳大學
財務工程與精算數學系
100
The asymmetric information problems between the insured and the insurer result in life insurance appeals. Most of past literatures focus on the causes of insurance appeals, but the rare focus on the results of appeals. In this study, we use the logistic regression model to analyze the relation between the policy’s contents and types of appeals as well as the relation between the types of appeals and the outcomes of appeals. Through a private data of appeals from a leading insurance company in Taiwan, we find that the relation between the types of appeals and the outcomes of appeals is insignificant, but the policy’s age, premium paying methods, type of insurance, and the insured’s age influence the outcomes of appeals significantly.
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Tao, Teng-Hui, and 陶登慧. "An Empirical Study of Customer Complain Types and Repurchase Behavior of Life Insurance Company." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/446jhz.
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碩士淡江大學
保險學系保險經營碩士在職專班
103
With the rapid changes of the domestic insurance market continued to improve consumer awareness and protection of rights and interests tend to take the initiative themselves, the insurance company policyholders'' equity and long-term maintenance based on sound management, should sincerely face voices and complain that customers have a chance to win customers trust and build loyalty and create a win-win situation between customers and companies. The domestic insurance industry caught a customer service line, through the call center industry and customer contacts the record, if they can regularly review, depth and track, will have a chance to complain and feedback from customers, discovering hidden gift, voices from the customer will become the company''s excellence and the pursuit of excellence in important momentum. In this study, based on the policyholder''s insurance company call center complaining type, investigate consumer involvement, service quality, service recovery and customer relationship quality customer repurchase influence behavior, the empirical results show that: the degree of consumer involvement, service recovery effects and customer relationship quality, customer repurchase behavior has significantly positive effect. "The new contract solicitation of controversy" shows a high level of consumer involvement, and repurchase behavior presents significant positive correlation; "I call to complain about the non" show low levels of consumer involvement, policyholders will not be available, but not significant. "Preservation" and "premium" business dispute show poor service quality, policyholders will not be available, but not significant. "Service Dispute" have a better effect of service recovery, and repurchase behavior presents significant positive correlation. Service Recovery Effects "Project controversy" and "appeal" of the poor, and then purchase behavior presents significant negative correlation. "Disputed claims" and "major dispute" for customer relationship quality (satisfaction and trust) have a negative effect, and then purchase behavior and presenting significant negative correlation. The results of this study provide the life insurance industry as a decision to repurchase behavior of customers and the reference formulation of education and training plan.
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Huang, Yi-Fen, and 黃怡芬. "A Study of Life Insurance Dispute Types and Appeal Channels on the Relevant Problems." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/56263977377973976400.
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碩士朝陽科技大學
保險金融管理系
103
Complaint and ombudsman data announcement from Financial Ombudsman Institution were analyzed and compared, and life insurance appeal channels were discussed in this study. Nowadays life insurance appeal channels, including complaints department of insurance company, Financial Ombudsman Institution, customer service center of governments, consumer ombudsman officer, consumer protection groups, Legislator, brokers of insurance appeal. From first quarter of 101 to third quarter of 103, cases of claims complaint, claims ombudsman, non-claims complaint and non-claims ombudsman of life insurance were 4040, 2216, 3491 and 1879, respectively. Resolved ratios of claims and non-claims complaint cases were 45.1% and 46.2%. Reduce insurance dispute should collaborated by consumers, insurance companies and government agencies. Consumers should enhance their knowledge of the insurance awareness. Insurance companies should provide complete employees education and improve communication and coordination of departments. Executive, legislative and judiciary of government shall cooperate to reduce insurance disputes and protect the rights of the people. This study clarified controversial items of life insurance and offered methods of reducing insurance disputes. Can provide financial services industries and government make more concrete norms.
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Chen, Hsien-che, and 陳賢哲. "Research of Insurance's Business Personnel's Employment Agreement Type of Life Insurance of Taiwan." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/33682978530001719189.
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碩士育達商業技術學院
企業管理所
96
ABSTRACT The enterprise employer for maintaining the possesion of completion advantage business secret，for keeping intact industrial business benefit takes the advantage of freedom of contact and judicatory autonomy principle and makes a labor contract with the competing industry who can not act for competing industry behavior。Because the employees’ non-competition clause is not expressed clearly on the law，it is used by the both sides to make a contract with free principle。However the strength of both sides is not equal so it can not be reach to real freedom of contact，and the employer confines the personal right of work to protect the business benefit of the company，the way，which should be discuss more。 Because competing industry forbiding clause is not express very clearly on existing laws，the theories are different and people have different opinions，either。Therefore ,Council of Labor Affairs（CLA）neatens all different levels of decree of court and doctrinal＇s dissertation recent years and come out five principles: 1﹑Labor competing industry heavier must have conspicuously recite letter or contrary to the principle of good faith’s fact。 2﹑Employer must have the benefit which should be protected。 3﹑Laborers undertake the duty and have chance to contact the advantage technology or business benefit。 4﹑Confining labor to take up employment course、area、occupation、 field、due reasonable category。 5﹑Due compensation for labors because of the loss of competing industry forbiding。 Therefore，the text is for question are basis and mend the life office lab our clause of contract as the axis of the research。 The insurance clerks always make a labor contract with their company which has service regulations，accessory rules or statements and collateral term to normalize them。 No matter the clerks are on duty or dismiss from the company，they have to obey the rule which is called competing industry forbiding ，even their family membership. The text is a research from the clerks of Taiwan Insurance Company，inquiring into competing industry forbidding clause in the field being using present situation at life insurance，and using of the question are style to attempt to find out how much the insurance clerks recognizing and the degree of satisfaction about the competing industry forbiding。The result of the research will offer the insurance clerks and the follow-up investigator to refer。 Keywords：non-competition clause、 life insurance。
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Li, Szu-Yin, and 李思穎. "Type and prevention method for the intelligent life insurance fraud." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/27612033510916631928.
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碩士淡江大學
保險學系保險經營碩士在職專班
99
Given the way life insurance fraud is ever-changing, only relying on the contact between each insurance industry is not enough to prevent the insurance fraud crime. Insurance companies, insurance associations, Insurance Anti-Fraud Institute (IAFI) and Government should cooperate and establish a communication with each other to fight against crime through government apartments, such as Police Force and Bureau of National Health Insurance. This cooperation way has been applied in other countries such as Britain, United States and other developed countries. Also, it has been approved that the insurance fraud crime is reduced effectively. In this study, the characteristics of intelligent life insurance fraud is summarized and investigate the raising problem of solicitation, underwriting and claims through different cases In addition, we learn the effective prevention method of insurance fraud from other countries and hope it can be applied to our country to prevent the life insurance fraud. From the view of insurance company and supervision institution, we provide some recommendations about the prevention way of insurance fraud as below to hope the loss due to insurance fraud can be reduced. 1. The view of the insurance company. (A) Set up an insurance claim of crime control department. (B) Set up the minimum training hours of insurance education. (C) Implementing the insurance company internal audit and control system. (D) Rigorously design for new insurance products. (E) Reviewing the current notification system and network building claims reporting system. (F) Maintain close cooperation with relevant units, and establish overseas contacts channel. 2. The view of supervisory agencies. (A) Promote the concept of Insurance Fraud Prevention. (B) Develop the personnel protection laws for the investigator of Insurance Crime Prevention. (C) Convicted of insurance fraud. (D) Clearly express to terminate the right for the immoral behavior on Insurance Law.
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Jian, Lind-Yan, and 簡苓燕. "The Risk of the Investment-type Insurance Contracts: An Empirical Study of Taiwan Life Insurance Co. Ltd." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/10144384096200254074.
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碩士靜宜大學
會計學系研究所
99
Upon the need in reducing the risk in investor''s financial planning, the developments of derivative financial products are growing day by day. Among them, especially the subsequent principle-guaranteed and structured products gained risk averters'' attention. In terms of the whole insurance industry in Taiwan, the proportion of investment-linked insurance policies accounted in life insurance has been rising year by year. In this study, the research samples were based on the 18 kinds of principle-guaranteed and investment-linked insurance policies launched by Taiwan Life Insurance. The research period started from Apr. 7, 2003, until Mar. 8, 2010. The Risk Assessment Model “ARCH Family” was utilized to assess the risk and influence factors and calculate the VaR (Value at Risk) of each sample respectively. Model adopted Normality Test, utilizing ADF Unit Root Test and ARCH-LM Test. The QMLE method and the Akanke''s Information Criterion (AIC) were then used for determining and selecting the more applicable Risk Assessment Model to this study. In the end, the VaR of each kind of financial product was calculated, and the Back-testing was performed. The empirical results indicated: Under the 95% Confidence Level, the samples in this study all conformed to ADF Unit Root Test and ARCH-LM Effect Test. In terms of Normality Test, most of the distribution was right-skewed, leptokurtic and non-normal distribution; therefore, the BHHH estimation method was utilized to make it be asymptotically normal. Later, QMLE was adopted to undertake the estimations; the outcome showed that the “GARCH”, “TGARCH”, and “EGARCH” models were superior to the ARCH model. The current risks had the following characteristics: All were affected by their prior errors and risks; prior risks would affect current risks; the intensity of prior errors would affect current risks; the variation range of substantial and unexpected prior residuals would affect current risks; also, good news would affect current risks. Thus, they conformed to the supposed definitions in the model in this study. In terms of VaR, the maximum loss amount did not eat away the original investment amount, which showed that making investments in the products in this study would still have room for profitability. Finally, all the research samples all passed the Back-testing, which meant that no situations of forecast bias occurred in the Risk Assessment Model in this study.
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Yang, Yu-Hua, and 楊宇華. "A Probe into the Influences of the Training Performance between Different Course Types for the Certificate Examination of Life Insurance." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/bza84b.
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碩士國立臺灣師範大學
科技應用與人力資源發展學系
106
For life insurance companies, agents are always one of the main factors of generating company revenue. Due to market saturation, continuously maintaining enough agent personnel has always been challenging the business executives and training departments of the life insurance industry. How to assist Pre-agents passing the Certificate Examination of Life Insurance (referred to as Certificate Examination in this study), is an important issue for life insurance companies. This study is based on quasi-experimental design. Trainees were asked to take a pre-exam before the training. Their total score and passing rate of the Certificate Examination are regarded as training performance after they attended different types of courses, including classroom-based course, e-Learning course, and mixed course. This study first discusses which course type is most effective, then further analyzes the relationship between the influences of trainees’ background variables and different course types on the training performance. The research shows: (1) Three course types (classroom-based course, E-Learning course, and mixed course) had no significant difference in training performance. (2) Trainees’ background variables (gender, age, and education) and three course types had no significant difference in training performance. The results provide three suggestions to the training for the Certificate Examination of Life Insurance: (1) Developing formal blended-learning courses will improve the training performance. (2) Properly implementing e-Learning and blended-learning courses will reduce operating expenses. (3) Enterprises should be prepared for growing need for e-Learning and blended-learning courses.
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Требенкова, О. Ю. "Сучасний стан та перспективи розвитку ризикових видів страхування на прикладі ПрАТ «Страхова Компанія «УНІКА»." Thesis, 2015. http://dspace.oneu.edu.ua/jspui/handle/123456789/4249.
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Метою дипломної роботи є дослідження теоретичних і практичних аспектів ризикових видів страхування по Україні в цілому, а також на окремому прикладі Приватного Акціонерного Товариства «Страхова компанія «УНІКА», огляд статистичних даних за останні роки по ПрАТ «Страхова компанія «УНІКА» та Україні в цілому, визначення найбільш актуальних на сьогоднішній день та перспективних видів ризикового страхування, а також висвітлення можливостей їх основних напрямків розвитку.Целью дипломной работы является исследование теоретических и практических аспектов рисковых видов страхования по Украине в целом, а также на отдельном примере Частного Акционерного Общества «Страховая компания« УНИКА », обзор статистических данных за последние годы по ЧАО« Страховая компания «УНИКА» и Украина в целом , определение наиболее актуальных на сегодняшний день и перспективных видов рискового страхования, а также освещение возможностей их основных направлений развития.
The aim of the thesis is to study the theoretical and practical aspects of risk types of insurance in Ukraine as a whole, as well as a specific example of the Private Joint Stock Company "Insurance Company" UNIQA ", a review of statistics in recent years by PJSC" Insurance Company "UNIQA" and Ukraine as a whole , the definition of the most relevant for today and future types of life insurance, as well as possibilities for their coverage of the main directions of development.
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Tai, Yu-Ling, and 戴鈺伶. "On the study of association between Cultural Types for Risk and Organizational Commitment ofindividual employees– Case on a life insurance company –." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/02816102127055517436.
Full textAbstract:
碩士銘傳大學
風險管理與保險學系碩士在職專班
100
Following the expansion of mergers and acquisitions (M&A), how corporates establish the Culture Risk Management culture is an important issue. Risk Management determines how successful the corporate-wide risk management will be. The study aims to explore the cultural types for risk of individual employees of different demographic characteristics through cultural theories, and understand whether employees of different cultural types for risk will have impact on organizational commitment. Furthermore, by acquiring information on the cultural types for risk and organizational commitment of individual employees. This study adopted a survey questionnaire method. The key findings are as follows: 1.Gender and seniority in the life insurance industry will affect the cultural types for risks of individual employees. 2.The nature of work, types of position, and seniority in the life insurance industry will affect the organizational commitment. 3.The cultural types for risks of employees will affect the organizational commitment.
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胡美秀. "The study of market positioning for life insurance solicitor with Peacock-type personality." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/62314353316172637366.
Full textAbstract:
碩士逢甲大學
金融碩士在職專班
104
Abstract This thesis mainly studied on how people with DISC characteristic personality affect their work performances and their team performances in life insurance industry. During the study process, we analyzed that the clients purchased life insurance policies from 300 life insurance salesmen who have Peacock-Typepersonality by utilizing the statistic methods. These statistic methods include Basic Information Relevant Analysis, Cross-Analysis, Chi-square Test Analysis, Regression Analysis. We summarized the results as followings, 1. The study shows that the clients who are willing to purchase life insurance policies from salesmen who have Peacock-Typepersonality are mainly within 16 to 40 years old, single, insurance fee below 10 to 50 thousands, occupation in category 1 and category 2. 2. The motivations for the clients to purchase life insurance policies from salesmen who have Peacock-Typepersonality are the followings, the needs for life insurance policies 35.4 %, touched by warm services 17.2 %, relatives and friends’ recommendations 14.7%, company images 13.7%, retirement plans 13.7 %, children’s educations 5.3%. 3. From the motivations for the clients to purchase life insurance policies from salesmen who have Peacock-Typepersonality, the factors for clients to decide to purchase life insurance policies are the needs for insurance policies, company images and relatives and friends’ recommendations. From the results of this research, we have suggestions as followings for salesmen who have Peacock-Typepersonality on how to market themselves and apply their personality. 1. Marketing suggestions for selling insurance policies: The salesmen who have Peacock-Typepersonality should focus on clients who are 16 to 40 years old and single. They should provide exclusive products and exclusive differentiated services as their marketing strategies so that the salesmen can have more clients and better work performances. 2. Suggestions for hiring new life insurance salesmen: Hiring new life insurance salesmen should focus on their personality. For new salesmen with Peacock-Typepersonality, the results of this research can be applied so that new salesmen can develop more markets and also they can settle in life insurance industry. 3. Suggestions for future study: The quantity of clients for the research and the studies of other personality can be expanded in order to assist insurance industry to find the right marketing talents and educate and furthermore to upgrade the efficiency of training and educating life insurance marketing talents.
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Wei, Chia-Yu, and 魏家榆. "Nan Shan Life Insurance foreign currency receipts and payments of the non-investment-type insurance marketing business research and analysis." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/fmcr7r.
Full textAbstract:
碩士國立中山大學
高階經營碩士班
101
In the development and evolution generated, Taiwan’s life insurance industry has exceeded its typical business model by providing a well-diversified portfolio commodity but yet an illegal sale in Taiwan years ago, no secure by the government law. The greater investments to the foreign currency denominated policy and offshore mutual funds make Taiwan investors become fiscally internationalized but also face the risks of litigation under the jurisdiction of foreign court where the policies have been held. The Life Insurance Association Of The Republic Of China had striven for the business of the commodity of Foreign currency receipts and payment of the non-investment type insurance policy to fulfill the demanding of the allocation of foreign currency assets and the multiple insurance planning, he case company of this thesis has gained the allowance of operating such business by the end of 2009. Base on the development process of the commodity, the proclamation and revision of the decree, a further analysis to its various types and characteristics has made. Meanwhile, thru the in-depth interviewing with the business executives of the case company, to investigate the needs of their high property clients, and the future development plans of the company,so to enhance its marketing competitiveness accordingly. Thru the research found, accommodating with the advent of low interest rates and the economic liberalization trends, Foreign currency receipts and payment of the non-investment type insurance policy is acting a very important role in asset allocation on Taiwan people, the high property clients have assets planning demands, the retirement commodity market is growing big, only to speed up the job training and more positive controlling the market, in order to keep growing to win.
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Lai, Jing-Mei, and 賴靜美. "Pricing Equity-linked Life Insurance with Minimum Death Guarantees：The Type A Case of Taiwan." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/27149525723917347886.
Full textAbstract:
碩士真理大學
數理科學研究所
95
Based on regulation of equity-linked life insurance which the limited ratio of amount insured and accumulated insurance premium, it possibly causes the equity-linked life insurance products to degenerate into the investment products. Therefore, we broach the two improved plans and study the issues of regulation of equity-linked life insurance. The purpose of this paper is to evaluate the hedging costs and check the net present value where the death rate of mortality table is hedging cost, using Monte Carlo simulation. We also provided numerical estimator of hedging costs and net present value. The findings are as follow: 1. In actuarial equity, given the age, the higher amount insured, the higher is the hedging cost of theory. The higher the age, the higher is the hedging cost. 2. If death rate of mortality is to be considered directly as the hedging cost, the net present value of the liability of insurance companies will be greatly biased.
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Wu, Jhao-yi, and 吳昭毅. "A Study on the Type A Personal Characteristic and Adaptive Selling on Life Insurance Sales Performance." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/64844197873620170609.
Full textAbstract:
碩士逢甲大學
風險管理與保險研究所
96
This study has chosen life insurance sales to be the subject to explore the effect of life insurance sales'' type A personal characteristic and adaptive selling(adaptive selling ability,adaptive selling motive,adaptive selling behavior) on their sales performance. This study picks the questionnaire survey method.There are 221 samples. In this study,the SPSS10.0 statistics software were used to analyze the sample,include frequency distribution,factor analysis,reliability analysis,descriptive statistics,analysis of variance,Pearson product-moment correlation analysis,multiple regression analysis. So as to find out the relationship of type A personal characteristic,adaptive selling and sales performance. The result finds that: 1. The relationship between type A personal characteristic and sales performance are not significient. 2. The better the adaptive selling ability, the better will his (or her) sales performance will be. This study thought,the relationship between adaptive selling ability and sales performance are significient. 3. The relationship between adaptive selling motive and sales performance are not significient,so no matter his (or her) adaptive selling motive strong or weak,it''s not helped for sales performance. 4. The relationship between adaptive selling behavior and sales performance are not significient, so no matter his (or her) adaptive selling behavior strong or weak,it''s not helped for sales performance.
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Yen, Yung-Chuan, and 葉永全. "The Impact of Policy Loan on Premium Payment in the Case of Savings-Type Life Insurance." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/3bd5xe.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
102
The main theme of this study focuses on the savings-type life insurance. It tends to research on the policy loan and other factors which impact on premium payment of domestic savings-type life insurance, providing life insurance companies when design products in the future. that the consumer groups can maintain persistency rate and avoid termination of contract in order to decrease the cash-flow risk. There is also provided to the consumers as the insurance planning or retirement savings when choosing life insurance products, the demand of self-examination and fitness. This study is used a domestic life insurance company in 1996 to 2006 covered by traditional savings-type life insurance products as the research data. and divided into increasing whole life, endowment, endowment life, these three kinds of principal contract. Then used six variables which included policy loan to establish research hypotheses. and logistic regression analysis. It shows as the result that： a contract which has policy loan, pattern of premium payment choices oneself-pay, premium period is relatively higher, assumed interest rate is relatively lower, policy loan interest rate is relatively lower, policy loan for the first time is at the end of policy period, it is higher possibility to have non-renewable premium.
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Liou, Tsuei-Ling, and 劉翠玲. "The Moderated Effect of Trust and Emotion Regulationon The Relationship Between Service Failure Type andService Recovery Strategy in Life Insurance Salesmen." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/17971376714244607892.
Full textAbstract:
碩士朝陽科技大學
保險金融管理系碩士班
98
This research studied the importance of the service recovery strategy for salesmen in the insurance industry. Previous studies indicate that trust is an essential element in the stability of social relations. And such an element is built upon a reliable relationship between two parties. A seller may apply service recovery strategy when a service failure occurs as to retain the relationship with the customer. People tend to be more willing to make business deals or other cooperative interactions when involving in a trustworthy social relationship. Therefore, this study aimed to find out how trust influenced the relationship between the service failure type and the service recovery strategy. Because emotion is the affective expression of individuals for dealing with everything, another motive of this study is to investigate that, when salesmen encounter failure, whether their emotion regulation after evaluating their trust relationship with clients would interfere with the relationship between service failure categories and service recovery strategy. Therefore, besides investigating the relationship between service failure categories and service recovery strategies, this study further probes into the two-way moderating effect of trust and the three-way moderating effect of emotion regulation. The research method employed surveys, and the subjects were staffs of insurance companies. In total, 470 questionnaires were distributed based on the stratified sampling. 395 questionnaires were collected with a response rate of 84.04%. Excluding the incomplete ones, 383 questionnaires were effective with the effectiveness rate of 81.49%. Regarding the effective questionnaires collected, descriptive statistics analysis is used to analyze and realize the distribution of the personal background attributes; regression analysis is used to examine how service failure type affect service recovery strategy; moderated regression is used to analyze how the two-level moderated interference effect of trust affects service failure type and service recovery strategy; moderated regression is used to analyze how the three-level moderated interference effect of emotion regulation and trust affects service failure type and service recovery strategy. Based on the research results, this study concludes that: 1. Service recovery strategy for communication is positively influenced by the service failure of responding to customer needs. Service recovery strategy for authorization is positively influenced by both the service failures of responding to customer needs and employee behavior. Service recovery strategy for feedback is influenced by both the service failures of responding to customer needs and employee behavior. Service recovery strategy for compensation is positively influenced by both the service failures of responding to customer needs and failure of employee behavior. Service recovery strategy for explanation is positively influenced by both the service failures of responding to customer needs and employee behavior as well. 2. With the trust behavior of high capacity, there is an increasing trend to adopt recovery strategies for authorization and explanation to cope with service failures, which are more likely to be attributed to the failures of service delivery system, responding to customer needs and employee behavior. With the trust behavior of low capacity, there is a declining trend to adopt visible service recovery strategies to cope with the service failure, which is more likely to be attributed to the failure of responding to customer needs. With the trust behavior of a level of high benevolence, there is an increasing trend to adopt service recovery strategy for communication to cope with the service failure which is more likely to be attributed to the failure of responding to customer needs, to adopt that for authorization to cope with the failure which is more likely to be attributed to service delivery system failure, and to adopt that for explanation to cope with both the service failures which are more likely to be attributed to those of service delivery system and employee behavior. With the trust behavior of a low level of benevolence, there is a declining trend to adopt visible service recovery strategies to cope with the service failure, which is more likely to be attributed to the failure of responding to customer needs. With the trust behavior of a high level of integrity, there is a increasing trend to adopt visible service recovery strategy and that for communication to cope with the service failure, which is more likely to be attributed to that of responding to customer needs, to adopt the service recovery strategy for authorization to cope with both the service failures, which are more likely to be attributed to those of service delivery system and responding to customer needs, and to adopt the service recovery strategy for explanation to cope with both the service failures, which are more likely to be attributed to those of service delivery system and employ behavior. 3. Once the service failure is more likely to be attributed to a service delivery system failure, there is an increasing trend to adopt the service recovery strategies for feedback, compensation, and explanation. Once the service failure is more likely to be attributed to that of responding to customer needs, there is an increasing trend to adopt the service recovery strategies for authorization, compensation, and explanation. Once the service failure is more likely to be attributed to employ behavior, there is an increasing trend to adopt service recovery strategy for explanation. In addition, because different trust behavior and emotion regulation behavior may weaken trust, “the positive influence of service failure categories on service recovery strategy for explanation” will be influenced the weakening interference of cognitive reappraisal. When the trust is weakened, “the positive influence of service failure categories on service recovery strategy for explanation” will be influenced by the weakening interference of cognitive reappraisal. When the trust is weakened, “the positive influence of service failure categories on service recovery strategy for explanation” will be influenced by the strengthening interference of expression suppression. When the trust is weakened, “the positive influence of service failure categories on service recovery strategy for feedback” will be influenced by the weakening interference of cognitive reappraisal. When the trust is strengthened, “the positive influence of service failure categories on service recovery strategy for compensation” will be influenced by the weakening interference of cognitive reappraisal. When the trust is strengthened, “the positive influence of service failure categories on visible service recovery strategies” will be influenced by the weakening interference of cognitive reappraisal. Based on the results mentioned above, this study brought up the following suggestions: 1. The service failure categories are analyzed to be provided as reference to service insured customers in the hope that life insurance agents can develop appropriate service recovery strategies. 2. To hold the educational training activities more frequently to increase life insurance agents’ understanding of adopting appropriate service recovery strategies in order to deal with the insured customers. 3. To a life insurance company, establishing a good trust relationship between life insurance agents and insured customers can reduce the cost of adopting service recovery strategies. 4. To take notice of life insurance agents’ emotion regulation method in order to grasp their psychological reactions, and to reduce the generation of negative emotion in the hope that they can adopt the best service recovery strategy.
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Hsu, Yu-Shu, and 許玉淑. "A Study on the Relationship between Service Failure Type and Service Recovery Strategies of Life Insurance Salesmen - Relationship Type and Stress Coping Strategies as Moderators." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/38782729976284006341.
Full textAbstract:
碩士朝陽科技大學
保險金融管理系碩士班
98
The most important thing of Life Insurance Industry is service. However, in the process of offering service, service failure is sometimes inevitable. The service recovery strategies after service failure are the main cause of the policyholders’ transfer behavior. Previous study indicated that a good service recovery strategy plays a very essential role of mitigating or eliminating policyholders’ complains, so as to increase policyholders’ satisfaction and to establish the good and strong relationship. In the process of sales, the relationship level of life insurance salesmen and policyholders has a close relationship with the choice of service recovery strategies. Moreover, the relationship type is categorized into preliminary relationship and service relationship, and it has the two-level moderated interference effect in the relationship of service failure types and service recovery strategies. This research studied the relationship between service failure types and service recovery strategies from a viewpoint of the life insurance Salesmen, and meanwhile used relationship types as the interference variables. In the process of service or sales, working stress may come from the tasks, competition, or self expectations, and it needs to be properly and effectively managed to cope with continuous challenges. However, when facing working stress, not everyone experiences it identically or releases it in the same way. Life insurance salesmen are facing more pressure than general Salesmen due to various insurance product features, which are not always accepted easily. Service failure occurs more often because of the differences from product recognition. Therefore, service recovery strategies are needed to restore service failure; how to exercise stress coping strategies influences salesmen to choose service recovery strategies. When life insurance salesmen are encountering stress, the chosen stress coping strategy affects the relationship among service failure types, service recovery strategies and relationship types. Stress coping strategy is categorized into control coping and support coping, and thus stress coping strategy produces interference effect on the relationship of service failure types, service recovery strategy, and relationship type. This study investigated the relationship among service failure types, service recovery strategies and relationship types, and used stress coping strategies as the interference variables. The study method is questionnaire, and the target is life insurance salesmen. This study sent out 470 questionnaires to the life insurance salesmen working in the top six largest life insurance companies in terms of market share, which are Cathay、NAN SHAN、Shin Kong、Fubon、MassMutual Mercuries and Chinalife, and 395 copies returned with the response rate of 84.04%. Excluding the incomplete questionnaires, 383 effective copies returned with the effectiveness rate of 81.49%. Regarding the effective questionnaires collected, descriptive statistics analysis was used to analyze and realize the distribution of the personal background attributes; regression analysis was used to examine how service failure types affect service recovery strategies; hierarchical regression was used to analyze how the two-level moderated interference effect of relationship types affects service failure types and service recovery strategies; hierarchical regression was used to analyze how the three-level moderated interference effect of stress coping strategies and relationship types affects service failure types and service recovery strategies. Based on the result of data analysis, this study brought up the following conclusions: 1.) Service failure type of customer demand reaction influences the communication of service recovery strategy. 2.) Service failure type of customer demand reaction and employee behavior influences the authorization of service recovery strategy. 3.) Service failure type of customer demand reaction and employee behavior influences the feedback of service recovery strategy. 4.) Service failure type of customer demand reaction and employee behavior influences the compensation of service recovery strategy. 5.) Service failure type of customer demand reaction and employee behavior influences the explanation of service recovery strategy. 6.) Relationship type weakens the positive influences of customer demand reaction failure and the authorization of service recovery strategy. 7.) Relationship type weakens the positive influences of employee behavior failure and the authorization of service recovery strategy. 8.) Control stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofcustomer demand reaction failure and the authorization of service recovery strategy. 9.) Control stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofcustomer demand reaction failure and the feedback of service recovery strategy. 10.) Control stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofcustomer demand reaction failure and the feedback of service recovery strategy. 11.) Control stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofemployee behavior failure and the explanation of service recovery strategy. 12.) Support stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofservice communication system failure and the explanation of service recovery strategy. 13.) Support stress coping strategy strengthens the positive weak interference effect of relationship type on ther relationship ofcustomer demand reaction failure and the explanation of service recovery strategy. Based on the results mentioned above, this study brought up the following suggestions: 1.) When salesmen encounter service failures, realize the timing of using service recovery strategy to a certain extent in accordance with the service failure type. 2.) Learn the lessons from the experiences, and deliver a course to train salesmen. 3.) Care about policyholders, understand them, and cultivate the good relationship with them. 4.) Strengthen the relationship between salesmen and policyholders to make service recovery strategies restore service failure more effectively. 5.) Salesmen should pay attention to self stress and its coping strategies to appropriately mitigate self stress. Increase the courses about stress coping strategies to realize the essentiality of stress coping strategies.
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廖英英. "The influence of critical contingencies and type of relationships, fitting trust to managenrial mechanism on the performance of life insurance brokers and agencies in Taiwan." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/75938394140648772498.
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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.
Full textAbstract:
碩士輔仁大學
國際創業與經營管理學程碩士在職專班
100
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.
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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.
Full textAbstract:
碩士明新科技大學
企業管理研究所
95
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.
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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.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
99
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.
Full textAbstract:
碩士國立臺灣師範大學
高階經理人企業管理碩士在職專班(EMBA)
104
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.
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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.
Full textAbstract:
碩士國立中山大學
財務管理學系研究所
94
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.
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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.
Full textAbstract:
碩士元智大學
經營管理碩士在職專班
99
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.
Full textAbstract:
碩士明新科技大學
企業管理研究所
95
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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Huang, Pei-Ting, and 黃珮婷. "Designing and implementing quanto-typed life insurances pricing modules for the FinancialCloud." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/12611062210392998861.
Full textAbstract:
碩士國立臺灣海洋大學
資訊工程學系
104
Life insurances are important financial instruments that penetrate daily life, ranking first in the world in 2015. This importance is supported by government statistic numbers in Taiwan, where each person holds 2.3 life insurance policies on average. Life insurance has many aspects, including whole life insurances, termed life insurances, and annuities. This research focuses on pricing Quanto-typed life insurances, which the policy is sold in one currency and invested into a foreign currency. With the extra conversion of currencies during the insurance period, additional risk factors are introduced. We must add this consideration, by estimating future foreign exchange fluctuations into our pricing model. This research designed a system based on the FinancialCloud architecture, by adding foreign exchange rate simulator and foreign interest rate estimator modules to support pricing of Quanto-typed life insurances.These modules acquire daily market information to calibrate pricing parameters, giving updates to date price movements. Users can use this system to compute the internal rate of return of insurancepolicies and make suitable investments. Experiment results show that Quanto-typed insurances perform better than insurances issued in domestic currencies due to the fact that the underlying assumption (higher interest rates) and the upward drift in foreign exchange simulation. Future research should consider other sources of information to estimate foreign exchange such as forwards, futures, and options.
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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.
Full textAbstract:
博士國立中興大學
應用經濟學系所
98
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.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險研究所
103
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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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.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險研究所
99
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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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.
Full textAbstract:
碩士國立高雄大學
國際高階經營管理碩士在職專班(IEMBA)
97
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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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.
Full textAbstract:
碩士逢甲大學
風險管理與保險學系
106
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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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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