The Study of the Intent of Teachers in Elementary Schools in Kaohsiung Having Insurance as Investment Tool in Response to the Change of the Retirement Policy

• Main Authors: I TSUI YING, 宜翠映
• Other Authors: 李劍志
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/09377496339917714976

碩士 === 高苑科技大學 === 經營管理研究所 === 103 === In response to declining birthrate, the crisis of teacher's right to work, government financial difficulty, the change of retirement policy and the decrease of pension income replacement rate, we would like to discuss the Kaohsiung elementary school teachers' intentional assessment of having insurance as investment and financial management, as their future retirement financial planning of the decrease of pension. The financial instrument, the purpose of buying insurance, the key factors of choosing insurance companies, the choices of types of insurance, the customized goods they want the insurance companies to offer, through this five points to realize the Kaohsiung elementary school teachers' intentional assessment of choosing insurance. Study found that insurance is one of the financial instruments that school teachers often choose；they will by purchase insurance for assurances, plans of retirement, preparations of the educational costs for children；they also buy insurance because of the change of retirement policy to cope with the decrease of pension. In addition, the elementary school teachers prefer to buy the insurance product that they can get back the payment during they are still paying, the short year products（ten year or less）, the product that the insured value will be added over time, and the annuity type product that is paid by NTD (New Taiwan Dollar). The key factors of choosing insurance company are focused on the good after-sales service, financial soundness and sound management, underwriting and claims quickly, and if there are products in line with demand. The type of customized insurance products that Kaohsiung elementary school teachers want insurance companies to offer is the same as the pension, that they can receive per year and can receive for a lifetime.