| Summary: | 碩士 === 朝陽科技大學 === 保險金融管理系 === 102 === Due to the impact of declining birthrate and deteriorating ageing problems, Labor Pension is said to be facing a crisis of bankruptcy. Other than Labor Pension, the main source of retirement pension for general labors, purchasing commercial annuity insurance products for themselves can be another way to raise pensions.
This study investigates college students’ recognition of commercial annuity insurance, with participants from central Taiwan colleges. Demographic variables, purchase intention, purchase motivation, income replacement ratio, and government finance and tax incentives are used to analyze the subjects’ purchase intention of commercial annuity insurance. The analysis methods applied include factor analysis, reliability analysis, validity analysis, linear regression analysis, independent samples T-test method and ANOVA.
The empirical results show that except purchase motivation is not positively related to purchase intention variables, other results are identical with the predictions. It is suggested that government set up independent tax deductions for commercial annuity insurance so that people can benefit from more willingness to purchase that leads to a better protected and dignified aged life.
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