사망보험금 역모기지제도 도입을 위한 중·고령자의 가입의향 요인 분석 및 시사점

초록

This study analyzed the factors significantly influencing the intention to enroll in death benefit backed reverse mortgage system using logistic regression modeling among 980 people aged 55 and older who held whole life insurance among the middle-aged and elderly population. The results showed that the higher the intention to get a reverse mortgage and the higher the education level, the more positive the relationship with their children when taking out the reverse mortgage, and the more frequent monthly hospital visits, the higher the intention to get a death benefit-backed reverse mortgage. And these factors are similar to those affecting the inclination to get a reverse mortgage. Finally, it is necessary to introduce the death benefit-backed reverse mortgage system as a means to provide the elderly who have insufficient income and non-current assets with additional retirement income.

키워드