終身險繳完比率25%如何轉嫁長壽風險 - 保險
By Valerie
at 2014-05-06T18:03
at 2014-05-06T18:03
Table of Contents
如題
重點:能繳完20年,獲得終身保障的終身險保單,只有四分之一!
Data 1:
參考資料:
1. 壽險保單早期失效之預測(台灣碩士論文)
2. 壽險業務員之保單繼續率(台灣碩士論文)
3. U.S. Individual Life Insurance Persistency(美國保險業報告)
4. 2012 Taiwan Insurance Sector Report(付費報告)--
摘要:第13個月的保單繼續率為80%,第25個月的保單繼續率為70%,往後平均
約每年4.5%的失效率。根據上述資訊,計算得到能持有到滿期的終身險
保單只有25%,而外國的台灣保險業產業分析的數據則是28%,相差不遠
Data 2:
http://www.npf.org.tw/post/1/8299(節錄)
事實上,有些人對長壽(long life)是否會有危險(hazardous)仍存有懷疑
的確,雖然大多數人都同意將長壽視為一種祝福或祈福(a blessing)
但卻也是很花費而昂貴的風險因素(costly one)
--
開放討論
--
重點:能繳完20年,獲得終身保障的終身險保單,只有四分之一!
Data 1:
參考資料:
1. 壽險保單早期失效之預測(台灣碩士論文)
2. 壽險業務員之保單繼續率(台灣碩士論文)
3. U.S. Individual Life Insurance Persistency(美國保險業報告)
4. 2012 Taiwan Insurance Sector Report(付費報告)--
摘要:第13個月的保單繼續率為80%,第25個月的保單繼續率為70%,往後平均
約每年4.5%的失效率。根據上述資訊,計算得到能持有到滿期的終身險
保單只有25%,而外國的台灣保險業產業分析的數據則是28%,相差不遠
Data 2:
http://www.npf.org.tw/post/1/8299(節錄)
事實上,有些人對長壽(long life)是否會有危險(hazardous)仍存有懷疑
的確,雖然大多數人都同意將長壽視為一種祝福或祈福(a blessing)
但卻也是很花費而昂貴的風險因素(costly one)
--
開放討論
--
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