;In recent years, Taiwanese society has been affected by aging population and declining fertility rate, resulting in dramatic changes in the demographic structure, and extended medical care and other related issues. For the reason that the government is also actively promoting long-term policies, in response to the demand for long-term exposure. But it faces a limited source of long-term financial resources, and the challenge of inadequate care systems and human resources. So how to use commercial insurance to fill the long-term gap will be an important issue.
The purpose of this study is to explore the analysis of key factors affecting commercial long-term care insurance sales. Through literature review and expert focus interviews, the key factors affecting commercial long-term care insurance sales are summarized. These factors cover the four facets of government facet, consumer facet, social facet and commodity facet and Seventeen important factors contained in the facet, to organize and access data from ten experts in the field of practice and academia and long-term care for commercial insurance, then through the results of the questionnaire experts, measurement analysis with DEMATEL, Identify the causal relationship between these factors, and important facets and assessment factors, for decision makers to make decision-making references and improve measures.
The results of this study show that both government facet and social facet are the dominant factors, all of which are the most important influencers affecting commercial long-term care insurance sales. By improving social facets and government facets, consumer facets and commodity facets will be affected, which will increase the market share and penetration rate of commercial long-term care insurance. If analyzed from factors, the "Long-term Insurance Law" is the most important leading and influencing factor, and "aging population " is the most important driver. This result can provide the basis for decision-making by the government in the design and marketing of goods, or when consumers are planning insurance, in order to reduce the impact of aging population and declining fertility rate.