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88 2),.,.,.,.,,,.,.. < -4>,,,,,, ( ),,
89 3),.,.,,,..,, Wealth Managem ent.,,. < -5>,.. < -5> /
90. 60...,,,,, (Reverse Annuity Mortgage)..,,.,,,...
91.,. 1) ).,. 21)...,. 2%.. 21) (2002.12) 2.1%, 50 5.1%
92 ) 22),..,.,. LIMRA, 10%, 1 5 20%. 10. < -1> 55 69, 50 80, 10 70.5 (1999 ). 22)
93 < -1> ( ) : LIMRA, Immediate Annuity Buyer Stu dy; Profiles and Attitu des, 2000. 70, 1/ 4 80.,. < -6> ( ) 50 50 59 60 64 65 69 70 74 75 79 80 5 6 11 19 23 18 18 70 5 8 9 15 21 18 24 71 5 7 10 17 22 18 21 70.5 : LIMRA, Immediate Annuity Buyer Stu dy : Profiles and Attitu de, 2000
94, CD... LIMRA 55 90% 23). 65 (78%) 12%.,.,,.. 23) LIMRA, Immediate Annuity Buyer Stu dy: Profile and Attitu des, 2000
95 2) ).,,.,.. 48%. < -2> (N=1,198) :,, 2003. 3
96, < -7> 1970 3 14.3%,. < -7> ( :, %) 1998 1999 2000 3,182 3,522 3,918 354 435 534 3,536 3,958 4,452 18.5% 11.9 % 12.5 % : : ACLI, Life Insurance Fact Book, < -2>,. 1972, 1980. (Nursing H om e) (Hom e Care) 1990 37% 2000 77%.,,,,
97. < -8> ( : USD) 1990 1995 2000 N u rsin g H om e H om e Care 63.0% 0.0% 37.0% 33.0% 6.0% 61.0% 14.0% 9.0% 77.0% $1,071 $1,505 $1,677 : 14,400(1990), 6,446(1995) 5,407(2000) : HIAA, Buyers and N on-buyers of Long-Term Care Insurance : A Decade of Experience ) 24)....,,,. 50,,,., 24)
98. 50.,. 50. 12 10 69 67, 65 1/ 3. < -3> : N =2,728(2000), 2,601(1995) 8,363(1990) : Lifeplan, Inc., analysis of 2000, 1995, and 1990 Buyer Surveys.
99...,..,. < -9> ( ) ( : ) / 2.6 2.3 1.6 3.8 2.3 2.7 : The Nursing H ome Survey, 1997 Survey... (Nursing Hom e) 85 50%,
100 75%. < -10> (1997) ( :, %) 65 1,465 372 25.4 1,093 74.6 65 74 199 81 40.7 118 59.6 75 84 528 159 30.1 369 69.9 85 738 132 17.9 606 82.1 2,930 744 25.4 2,186 74.6 : LIMRA, The Mature Market in the U.S., 2001. (pu sh m arket)...., 100 32.5%, 400 62.4 %.
101 < -11> 100 32.5 67.5 100 150 42.5 57.5 150 200 45.5 54.5 200 300 44.7 55.3 300 400 56.5 43.5 400 62.4 37.6 : N =1,200 :,, 2003. 3 ( : %) 2..,,.. 1) )
102.,.., 32.3%, 30.5%, 48.0%, 33.7%, 28.8%.,, 28.7%, 36.8%, 38.0%, 33.4 %, 30.3%, 31.9%. < -12> ( : %) 32.3 30.5 48.0 33.7 28.8-28.7 30.3 36.8 - - 38.0 33.4 31.9 :,, 2001.,,.
103., 2001 113,565, 62,891, 16,488, 12,033., 2001 6,610, 429 163, 258., 2001 670, 335, 112, 2001 100, 41. 7. < -13> 2001 ( :, ) 2001 2011 113 6,610 8,383 113,565 12,958 169,935 105 429 6,988 62,891 10,802 94,109 36 163 2,002 16,488 3,095 25,487 243 258 1,504 12,033 2,325 18,601 100 2,100 670 14,070 995 20,985 41 1,476 335 12,060 497 17,892 7 287 112 4,592 166 6,806 :,, 2001. 12.
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118..,... < -14> ( ) reh abilitation :,,, 60 1,, 1992. 1.
119,. 2) ).,,,. 28), 62.0%, 13.1%, 20.6%, 4.4 %,. 28) 3,,, 2001
120,, 60.9%, 20.1%, 18.1%,.,.,,,.,.,..,.,.,.
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