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台灣地區引進萬能壽險可行性之研究 / Study on The Feasibility of Marketing Universal Life in Taiwan姚中麗, Chung-Li Yao Unknown Date (has links)
1980年代以來,我國經濟持續快速成長,1980—1989年間,經濟成長率平
均每年高達8%,為同期世界少數成長迅速國家之一。隨著經濟繁榮,國民
所得及儲蓄大幅提高,投資理財逐漸蔚為風氣。由於長久以來金融管制環
境尚未完全解除,相對而言僵化之金融服務自難滿足社會需求。因投資管
道嚴重不足,致使1980年代後期國內龐大民間資金轉而搶購房地產及股票
,或流入地下投資公司、期貨公司等,不僅造成房地產及股票價格大幅上
漲,也助長社會不良投機風氣。1990年代以後,隨著金融政策之逐步開放
,各類金融機構競相成立,各式金融商品亦推陳出新,兼顧安全及收益之
投資性商品遂成為社會大眾普遍之需求。在人壽保險業方面,1980年代中
期開放美商壽險公司在台經營, 1992年開放國人設立壽險公司,可預期
的是未來壽險業之發展,不僅須與同業競爭,資金的吸收方面更須面臨其
他金融業之競爭。為滿足消費者對商品多樣化要求之心理,設計並推出具
競爭性之壽險商品,使消費者在尋求經濟生活保障之餘,更能透過所購買
之保單分享較多壽險公司投資利潤,實為未來保單設計之必然趨勢。萬能
壽險在美國已有10年以上之銷售經驗,但在台灣壽險業並不見類似保單之
引進。一則由於台灣並未發生類似1970年代末期美國壽險業所遭受之困境
,一則國內至今未曾建立相關法規因應。然就消費者立場而言,萬能壽險
之彈性化特質,可使其根據一生不同時期經濟需求調整保費之繳付及保障
額度,其透明化特質,可幫助消費者了解其保單成本、現金價值之操作情
形,再加上壽險公司提供其反應公司投資收益之利率水準,故萬能壽險對
於消費者而言,正如同其保單名稱「Universal Life」所顯示的,是一個
全能的壽險商品。雖然萬能壽險在美國推出後為其壽險界帶來不小衝擊,
無論如何它在1970年代末期至1980年代初期傳統壽險之銷售陷入困境時,
協助美國壽險公司暫時渡過了危急關頭。在這十多年萬能壽險經歷了成長
、全盛到穩定三個發展階段,萬能壽險之崛起有其歷史背景及意義,本文
希望藉著對此商品特性、公司經營、政府監理之研討,深入了解其在美國
之行銷經驗,以及引進台灣市場之可行性,以作為國內壽險業開發新產品
之參考。
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Aktuální otázky životního pojištění na českém pojistném trhu / Actual questions about life insurance on the Czech insurance marketCyprysová, Veronika January 2012 (has links)
This thesis deals with actual questions about life insurance on the Czech insurance market. At the beginning of the work, life insurance is described from a theoretical point of view - main characteristic, forms of traditional and new products, kinds of available insurances. It also deals with Czech insurance market, price of insurance and insurance premium in case of insured event. The last part contains actual problems with life insurance - one-shot insurance payment, universal life insurance, equality of rights of men and women, distributional channels and general insurance conditions.
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論投資型保險之監理 / Study on Regulation of Investment Linked Insurance陳雅正 Unknown Date (has links)
為保險業跨業經營預先佈局、增加保單持有人之投資選擇權及因應市場利率之低糜,我國擬於近日推出投資型保險,然而投資型保險基於其特有之性質,其監理自應與一般傳統型保險有所不同。本文先就投資型保險作一定義,並論述其性質及特色,次敘述其歷史發展沿革,再予以介紹其主要之種類。而關於投資型保險監理部分,一般來說,保險監理可分為財務監理及業務監理二部分,本文即依循此二面向分別作一探討。就財務監理部分而言,分就分離帳戶之規範、資金運用規範、責任準備金提存之規範、解約金之規範及稅賦規範五個議題作分析探討,再行提出建議。另一方面,就業務監理部分而言,則分就經營資格規範、資訊揭露規範、商品規範及銷售規範四個議題作分析探討,再行提出建議;最後總結全文以提出結論並針對我國投資型保險之監理提出建議。 / For facilitating of cross-business operation of the insurance industry, increasing policyholders’ choices in financial services, and shifting attach of interest risk, investment linked insurance products will introduced into the Taiwan insurance market soon. Based on it’s special features, the regulation of investment linked insurance should be different from the regulation of traditional life insurance. This paper defines the scope of investment linked insurance and discourses it’s nature and special features in the first place, and then describes it’s historical evolution and main types. In terms of insurance regulation, it is generally divided into two broad categories: i.e. financial regulation and market conduct regulation. This paper studies on the issues of regulation of investment linked insurance in such an approach. With regard to financial regulation of investment linked insurance, five aspects of regulation of investment linked insurance are examined: separate accounts, investments, liability reserves, surrender cash value and tax. With regard to market conduct regulation, this paper includes four aspects: operational qualification, information discourse, products and marketing. Finally the author submits his conclusion and recommendations to the regulatory authority to enhance the framework of regulation of investment linked insurance in Taiwan.
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海峽兩岸投資型保險商品之比較研究王超馨 Unknown Date (has links)
近年來海峽兩岸利率持續走低,已經對壽險公司之財務產生負面影響,故銷售固定利率保險商品之壽險業者,其資金運用報酬與業務成本間之利差損現象日益擴增,為避免財務負擔日增而影響其清償能力,市場趨勢乃轉向能將風險大部分轉移給保單持有人並讓其分享大部分投資利得之投資型保險商品。本文就海峽兩岸投資型保險商品,從法規架構、監理體系、商品種類內容、市場行銷等方面加以詳細比較分析,並以1988-1994年英國銷售投資型保險商品所發生之退休金不當銷售弊案(mis-selling scandal)為借鏡,進而歸納出所面臨之各種問題,再針對此等問題提出可能解決之道,作為兩岸發展投資型保險之參考。
關鍵字:投資型保險、投資連結保險、變額保險、指數連結保險、指數連結年金、萬能壽險、變額萬能保險、分紅保險、利率風險、不當銷售、英國退休金不當銷售弊案、保險監理、保險法沿革。 / With the continued decline in interest rates having an adverse impact on Taiwan and Mainland life insurance companies' balance sheets, the insurance companies that sell the traditional guaranteed products have experienced the increasing interest loss resulted from the gap of their investment returns and operation costs. To avoid the companies from insolvency crisis arising out of the increasing financial burden, there is a trend, recently in both Taiwan and Mainland markets, that the insurance business focus has been averted from the traditional products toward investment-linked products that transfer most risk to policyholders and enable them to share in most investment gains.
This paper compares the investment-linked insurance between Taiwan and Mainland markets in the viewpoints of the legal structure, regulation systems, variety of products and marketing of investment -linked products. This paper also analyses the famous U.K. mis-selling scandal in 1988-1994, and tries to make this scandal into a valuable lesson to both markets. After listing the issues and problems which are encountered by the insurance companies, the suggestions for resolving such issues and problems are submitted as the conclusion of this paper.
Key Words: Investment-linked insurance, Variable insurance, Equity Index Insurance, Equity Index Annuity, Universal life insurance, Variable universal insurance, With-profit insurance. Risk of interest rate, Mis-selling, U.K. mis-selling scandal, Insurance regulation. History of insurance law
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