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臺大管理論叢
第
27
卷第
2S
期
201
We believe that combinations of long-term care insurance with other insurance products
offer more effective solutions for retirees, because such combinations provide the benefit of
lowering the risk margins of long-term care products. Such innovatively designed products
can be more attractive to consumers, because they offer the advantages of a lower price and
more comprehensive protection. Therefore, our results provide useful insights into the design
of long-term care insurance products for insurance companies. The results of the risk
analysis in this paper provide an effective risk management tool for life insurance companies
to more effectively control their liability risks and offer more innovative retirement products
to society.