• International Journal of Human Ecology
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• v.5 no.1
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• pp.9-21
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• 2004

This study attempted to identify the factors related to life insurance focusing on two different types of life insurance： term life insurance and cash-value life insurance. Based on the human capital, bequest motives theories, and decision under risk, a conceptual framework was developed. The results showed a support for the conceptual framework indicating that human capital, bequest motives as well as attitude toward risk were important factors in predicting each of life insurance ownership. In addition, the factors related to each type of life insurance were different. For term life insurance, the variables representing households' bequest motives were found to play an important role while the variables reflecting human capital theory had significant impact on cash-value life insurance holding.

• The Journal of the Korean life insurance medical association
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• v.2 no.1
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• pp.53-64
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• 1985

• The Journal of the Korean life insurance medical association
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• v.21
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• pp.67-73
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• 2002

• The Journal of the Korean life insurance medical association
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• v.1 no.1
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• pp.38-53
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• 1984

• The Journal of the Korean life insurance medical association
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• v.22
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• pp.171-181
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• 2003

• The Journal of the Korean life insurance medical association
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• v.27 no.2
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• pp.85-95
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• 2008

When an insurance company receives an application for life or health insurance, the company must evaluate the degree of risk the individual for insurance coverage presents before the company agrees to issue the policy. A medical factor is a physical or psychological characteristic that may increases a hazard. A financial factor is financial information that is taken into account by underwriter to determine if a person is applying for more than he/she reasonably needs or can afford. A personal factor is a lifestyle choice. There are several medical risk selection systems in Korean life insurance market. They are attending physician's statement, direct examination by insurance doctors, and paramedic examination. However there is some dissatisfaction of current system. It is possible that cooperation of part-time insurance doctors system may be one of useful system of medical risk selection. Improvement of medical risk selection system will be an important matter of profitability of insurance company and it will contribute to sound life insurance system.

• Journal of Families and Better Life
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• v.6 no.1
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• pp.117-129
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• 1988

The purposes of this study are 1) to explore the evaluating attribute of family life- insurance 2) to examine the relationship between evaluation attribute variables and level of consumer satisfaction/ dissatisfaction (CS/D), and 3) to investigate the sociodemographic variables and psychological variables which influence the purchase of life-insurance. The data used in this study include 432 households of 208 life-insurance purchasers and 224 non-purchasers Statistics used for the data analysis are x2, factor analysis, multiple regression and a discriminant analysis. The resulting major findings are as follows; 1) The evaluating attributes are saving function, convenience. economic payoff, safety for future accident, agreement of insurance, and reputation of brand. 2) Among these factors. the most important factors. in CS/D of life-insurance are saving function, and reputation of brand. 3) the purchase of life-insurance has been influenced by such sociodemographic variables as husband's age , family income, and family life-cycle. Psychological variables such as attitude of life, perceived risk, consumer attitude about insurance business did not influence the purchase of life -insurance significantly. As mentioned above, we can conclude that Korean purchasers of life-insurance are using irrational evaluating attributes. Therefore more education of the consumers and more information about life-insurance purchases are necessary. Especially low-income households and first step of family life-cycle families are turned out to need more education as well as more information.

• The Journal of the Korean life insurance medical association
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• v.1 no.1
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• pp.54-56
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• 1984

• The Journal of the Korean life insurance medical association
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• v.31 no.1
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• pp.29-33
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• 2012

Nowadays, obstructive sleep apnea is being important to life insurance industry. Many life applicants submit their attending physician's statement, diagnostic certificate, and results of polysomnography to underwriters. So It's necessary to perform evidence-based medical approach. I hope this article is helpful to insurance doctors and underwriters.

• The Journal of the Korean life insurance medical association
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• v.32 no.2
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• pp.28-32
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• 2013

We studied trends of cardiac valve surgery using insurance data. 368 persons were included our study. We studied whether there are frauds or not. Only 4 cases were done at less than 1year from an insurance contract. We reviewed medical records of all persons. We could find the type of valve disease in 211 cases. The findings are atrial valve 40.1%, mitral valve 34.6% and others 25.3%. When we divided by materials of surgery, mechanical valves were used in 68.8% of men and 70.6% of woman. The main causes of valve disease were infection(55.1%). And degenerative valve disease 32% and congenital valve disease were 13%. We cannot find definite evidence of insurance frauds in the cardiac valve surgery. But there are some limitation in data analysis.