| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險研究所 === 99 === ABSTRACT
Taiwan’s domestic life insurance companies face more tough competition under globalization, so they focus on extension of new contracts and pay little attention on rigorous underwriting process. This study analyzes the sudden high risk of death or disability and provides underwriter reference, when reviewed the cases of the new contract. The insured included in this sample, which means that happens sudden death or disability within two years after insured date in the “C” insurance company during 2000 to 2010. Using the insured’s perspective to explore how insured’s characteristics, the causes of death or disability, claim payment, cases of claim and date of accident affect the choice behavior of distribution channel in this study. The empirical results show that: The case of sudden death or disability is disease, associated with higher choice probability of the distribution of broker and agent. Another finding suggests that the higher claim payment in the case of sudden death or disability is associated with higher probability of the distribution of broker and agent. The cases of claim present significantly negative influence on the probability of the distribution of broker and agent.
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