| Summary: | 碩士 === 義守大學 === 財務金融學系 === 101 === With advances in medical technology and environmental health factors changes, that caused human longevity. By the impact of social change, the birth rate and marriage rate declined, aggravates the aging and low fertility trend. According to statistics, until 2012 of the population aged over 65 has more than 260 million people and aging will be serious.
Many of the problems caused by an aging population, it will influence economic development, so several bills were enacted by the government to solve these problems, but these bills will solve only a fraction of that. Therefore, people need to buy the Commercial Insurance in order to remain at the same level of life in retirement.
In 1994 the World Bank advocates Three-Pillar Model, one is mandatory publicly managed pillar, one is mandatory privately managed pillar and the other one is voluntary saving pillar. The paper researching into that the development and demand of endowment insurance on aging society.
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