주택연금 가입자의 사망보험금 역모기지 가입의향 요인 분석 및 시사점

초록

This study analyzes the factors that significantly influence the intention to enroll in Death Benefit-Backed Reverse Mortgages using a multiple logistic regression model targeting reverse mortgage users with whole-life insurance policies. The results show that the intention to enroll in Death Benefit-Backed Reverse Mortgages is higher when the primary source of income is labor or business income, the reverse mortgage users are holding only one contract of whole life insurance policy, and the lower the sufficiency of retirement planning. Reverse mortgage users intend to enroll in the Death Benefit-Backed Reverse mortgage system to prepare for the interruption of labor or business income or to secure additional income. Close discussions between the insurance industry and financial authorities are necessary to successfully introduce the Death Benefit-Backed Reverse Mortgages system in the future.

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