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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/77223

    Title: 人身保險金信託案例研究;Life Insurance Trust Case Study Research
    Authors: 黃維桐;Huang, Wei-Tung
    Contributors: 高階主管企管碩士班
    Keywords: 人壽保險;保險金信託;Life Insurance;Insurance Trust
    Date: 2018-04-18
    Issue Date: 2018-08-31 14:27:40 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 據金融監督管理委員會民國105年的統計,國人的保險密度達133109元,全球排名第十,保險滲透度更高達18.31%,全球第二、亞洲第一,根據壽險商業同業公會調查,民國105年台灣總保費收入達2.5兆元,顯見國人的理財規劃當中,保險佔有相當高的比例。面對少子化、高齡社會及金融市場快速變遷的時代,大多數人選擇透過保險保障自己以及家人的生活,由於保險僅能提供事故發生之後的理賠金予受益人,當受益人年齡太小或無行為能力,可能導致大筆理賠金遭他人覬覦,產生許多衍生問題。
    根據本研究所獲得的結論,提出以下建議供各界參考:一.人人都應有完整保險搭配保險金信託規劃二.保險業務員應提升信託專業三.保險法與信託法須統合檢討衝突點。;According to the statistical study conducted by Financial Supervisory Commission in 2016, Taiwan insurance density reached TWD $133,109 which currently ranked number ten globally. Moreover, Insurance penetration in Taiwan is now as high as 18.31%, ranking number two globally and number one in Asia respectively. Based on The Life Insurance Association of R.O.C, the total insurance revenue is at TWD $2.5 trillion, demonstrating the important role Insurance plays in wealth management in Taiwan. In an era where declining birth rate, aging population, and volatile financial market are common, most people deem insurance as a low risk and stable protection for them and their family. However, for young beneficiaries who are not yet capable of managing claimed compensation, issues such as deception and scams can be serious social and legal problems.

    This research paper will discuss how to incorporate Insurance Trust into insurance plan in order to maximize the beneficiaries′ benefits. It also summarizes different customized models for various types of family structure and specific needs.

    Through primary case studies and secondary research, this report will analyze the topic of insurance planning, ranging from life insurance, health insurance, cancer insurance, long-term insurance, to savings insurance and investment oriented insurance. Through four primary real-life case studies, this research will present customized insurance plans and trust proposals that aim to balance achieving financial goals and securing life. Notably, the proposals are designed based on different family conditions, after-incident impacts, and insurers′ expectations.

    When considering life as a three-stage process, this research shows that there are four main areas of risks. One should review her own situation, adjusts risk planning and select the most suitable plan accordingly at different times. The phenomena of high insurance fee and low premium show that Taiwanese insurers prefer health insurance or capital preservation investment insurance, and adoption rate for insurance trust has been relatively low, due to its nascency in the market. As the insurance industry in Taiwan continues to mature, we argue that insurance planning will be even more comprehensive if traditional insurance products and insurance trust can be combined together, thereby maximizing the expected benefits and life-long protection.

    From our research, we propose the following recommendations: (1) Every insurer should incorporate insurance trust into insurance planning (2) Insurance sales agents should deepen their knowledge and develop expertise in insurance trust (3) Discuss and resolve conflicts between insurance law and trust law.
    Appears in Collections:[高階主管企管(EMBA)碩士班] 博碩士論文

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