隨著保險觀念越來越開放時代的來臨，一般國人對保險的接受度也相對提高，然而現在人的生活環境複雜，發生危險的種類越來越多變,保險也越來越趨重要,另一方面過去大家比較不容易接受預先規劃風險的觀念，再加上一提及保險便直接聯想到死亡、傷殘、財物損失等不吉利的事情，然而對於擔負家計重責大任的人而言，保險能使其獲得生活上的保障且無後顧之憂；對於高資產族群而言，保險也可以發揮儲蓄理財或節稅的功能。因此，實際上保險不只可以提供我們充分的安全感還是人生財務規劃工具中的一大利器。如果能吸收正確的保險知識，並深入了解保險自助互助、未雨綢繆、防患未然的精神，那我們在接觸保險時，必能以理性的態度，做出最有利的選擇。
本研究針對人一生中各階段需要保險規劃以紫式決策分析架構為基礎，並以決策樹和敏感度分析找出影響結果的主要決策因素和對應的策略方案，幫助客戶如何可以利用既有的綜合資訊裡做出系統化的評估；並以A客戶的保險缺口和需求加以實証分析，有效的邏輯推理和研判以做出最適化保險規劃決策，提供完整的保障。

With the advent of concept of insurance are more open era, the acceptance of insurance is enhanced in Taiwan, but now living environment is complicated, the types of risk are more and more various, the importance of insurance is also increased. In the past people are less likely to accept personal insurance, and the mention of insurance will be derectly associated with death, disability, poperty damage and other inauspicious things. For shoulder the heavy responsibility of the family budget people, the insurance can get it to protect life and no worries; for high net worth population is concerned, the insurance can also play saving financial or tax saving functions.In fact, the insurance not only provides adequate security but life of our financial planning tools. If we can learn the right insurance knowledge and understanding of the mutual help and repair the house before it rains. The mention of insurance will be able in a rational manner, and make the most advantageous choice.

Based on UNISON Decision Analysis Framework, this thesisdeveloped the various stages of a person's lifeinsurance planning. By decision trees and sensitivity analysis to identify factors that affect the outcome of the main decision-making strategies and the corresponding solutions.How can we help customers take advantage of the existing integrated information in making a systematic assessment.We analysis a customer insurance gaps and needs,logical reasoning and judgments to make optimal decisions of the insurance plan, provide complete protection.

目錄 i
圖目錄 ii
表目錄 iii
第一章緒論 1
1.1 研究背景、動機與重要性 1
1.2 研究目的 4
1.3 論文結構 5
第二章文獻回顧 6
2.1 保險概論 6
2.2 紫式決策分析架構 9
2.3 簡易多屬性平等技術 10
第三章研究架構 11
3.1 保險規劃方案決策分析架構 11
第四章實證研究 15
4.1 個案分析(一) 15
第五章結論 29
5.1 研究貢獻和限制 29
5.2 未來研究方向 29
參考文獻 30

簡禎富(2014) , 決策分析與管理：紫式決策分析以全面提升決策品質(第二版) , 雙葉書廊 , 台北市。
王儷玲、劉邦寧 (2008) , 保險規劃一典通 , 上旗文化 , 台北市