보장성보험 해약에 영향을 미치는 요인에 관한 연구

초록

This study empirically analyzed the factors affecting surrender behavior of protection-type insurance using the Cox proportional hazard model for survival analysis, based on the data from the Korean Labor and Income Panel Study(9th-21st year). According to an analysis of the variables that they were satisfied with the proportional hazard assumption, it was found that male compared to female, the households living in metropolitan cities compared to the households living in non-metropolitan and the households holding debt compared to the households without debt quickly surrendered protection-type insurance. Temporary and daily workers compared to self-employed people slowly surrendered protection-type insurance. According to an analysis of the variables that they were not satisfied with the proportional hazard assumption, it was found the as age increased, as the number of underage children increased, as the number of education years increased, as the total annual income and annual expenditure on health care increased over time, the hazards ratio increased over time. The hazards ratio of the households living in apartment compared to the households living in non-apartment was increased over time, and the hazards ratio decreased over time as the number of households increased. This study suggested policy support was needed to ensure that the households holding debt and the self-employed households could hold protection-type insurance.

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