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題名:我國推展壽險保單貼現可行性之探討
書刊名:臺灣銀行季刊
作者:陳森松陳文國
出版日期:2004
卷期:55:2
頁次:頁65-83
主題關鍵詞:保單貼現末期疾病生命預期生前給付不喪失價值市場風險
原始連結:連回原系統網址new window
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  • 共同引用共同引用:84
  • 點閱點閱:5
龐大的醫療與看護費用已成建末期疾病(Terminal illness)者與老年人家庭經濟的沉重負擔,且隨著社會人口的逐漸老化,此一問題已日趨嚴重。對於這些末期疾病者與老年人而言,雖然國內壽險保單已設計有生前給付(Accelerated death benefits)、重大疾病給付與保單款等條款,但仍未有效的幫助這類被保險人的經濟壓力。自一九八○年代初期,美國的保單貼現業務(Viatical settlement)開始萌芽以來,已幫助了許多的末期疾病者與健康年人的財務困境。保單貼現市場會如此快速發展,因其提供特定被保險人可選擇在生前運用死亡保險金之功能。 近年美國保單貼現公司開始擴張海外市場,並已在我國非法的銷售該項商品,然而,我國迄今尚無本國的何單貼現業務。本文將介紹美國保單現的運作情況,並就國內總體環境的變遷、金融保險環境的變化與相關法規等項目加以探討,藉此分析此一新的金融商品在國內推展的可能性。經本研究結果指出,在我國現行的金融保險環境與法規情況下,推展壽險保單貼現業務具有可行性。
期刊論文
1.石正德(19900300)。人壽保險公司調查保戶病歷資料適法性之探討。壽險季刊,75,2-9。  延伸查詢new window
2.(1998)。Accelerated life Policies, viatical settlements offer LTC financing alternatives。Employee Benefit Plan Review。  new window
3.Friedman, Amy S.(1997)。Banks now selling viatical settlements。National Underwriter life & Health Financial Services,101(44)。  new window
4.Chodes, Gary D.、Tow, Stephan(1998)。Viatical settlements and high net worth transactions: New uses for affluent policyholders。Journal of Financial Service Professionals。  new window
5.Gasper, Gary J.(1997)。New tax-free treatment of viatical settlements:Opportunities for tax and estate planning。The CPA Journal。  new window
6.Tomes, Jonathan P.、Orscheln, Phillip A.(2000)。Complying with viatical industry regulation。Journal of Financial Service Professionals。  new window
7.Dam, James L.(2000)。Sale of life insurance is new option in estate planning, bankruptcy, divorce。Lawyers Weekly,281。  new window
8.Sommer, David W.、Gustavson, Sandra G.、Trieschmann, James S.(1997)。Viatical settlements: Perspectives of investors, regulators, and insureds。Journal of the American Society of CLU &CHFC。  new window
9.Panko, Ron(1999)。Regulators try to keep up。Best's Review。  new window
10.Sutherland, William P.、Drivanos, Patricia C.(1999)。Viatical settlements: Life insurance as a liquid asset for the seriously ill。Journal of Financial Planning。  new window
11.(1994)。The report of American Medical Association。The Journal of the American Medical Association,272。  new window
學位論文
1.吳月瓏(1992)。人壽保險契約受益人權益之研究(碩士論文)。國立政治大學。  延伸查詢new window
2.徐水仙。人壽保險受益人變更之研究(碩士論文)。東吳大學。  延伸查詢new window
3.莊雅慧(1994)。壽險商品運用生前給付方式之研究(碩士論文)。逢甲大學。  延伸查詢new window
4.孫樹明(1990)。愛滋病對壽險業的衝擊與其因應策略之研究(碩士論文)。逢甲大學。  延伸查詢new window
5.黃于珊(1996)。癌症末期病患佳院及居家照護之醫療成本分析(碩士論文)。國立陽明大學。  延伸查詢new window
6.陳惠生(1994)。人壽保險要保人處分權之變動(碩士論文)。輔仁大學。  延伸查詢new window
圖書
1.Wolk, Gloria Grening(1998)。Viatical Settlements: An Investor's Guide。USA:Bialkin Books。  new window
2.江朝國(1995)。保險法基礎理論。瑞興圖書股份有限公司。  延伸查詢new window
3.林勳發(1999)。保險法論著譯作選集。臺北:東華。new window  延伸查詢new window
4.施文森(1978)。保險法論文。施文森。new window  延伸查詢new window
5.張正源(1996)。人身保險契約法理論與實務(總論篇)。中華民國人壽保險管理學會。  延伸查詢new window
6.Blackman, Irving(1998)。Viatical settlements are newest tax-saving strategy。Newton。  new window
7.Stucker, Hal(1999)。Viatical settlement: What's a good fit?。Cincinnati:National Underwriter。  new window
8.Blackman, Irving L.、Whitlock, Brian T.(1999)。Combining economics and taxes can make you a big winner。Cincinnati:Modern Machine Shop。  new window
9.Chambers, Jacques(1998)。Viatical settlement may be a helpful option for many people with HIV。AIDS Project Los Angeles。  new window
10.Jean, C. Gora(2000)。Viatical and life settlements: The challenge facing the life insurance industry。  new window
11.Zadoff, Michael(1999)。Viatical settlement: A New way to nursing home private pay。Cleveland:Nursing Homes。  new window
其他
1.Williams, Heather(2000)。NAIC makes changes to Viatical Settlements Model Act,www.insure.com。  new window
2.Williams, Heather(2001)。Ohio adopts updated viatical settlement law,www.Insure.com。  new window
3.Middleton, Lisa Karam(1999)。Deathwatch: Viaticals under fire,www.insure.com。  new window
4.Sartori Associates(2001)。Texas is first state to regulate life settlements,www.visaa.com。  new window
 
 
 
 
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