探討不同課程類型對壽險資格測驗訓練課程訓練成效之影響

Abstract

對於壽險公司來說，業務人員一直是維持整個公司營收的主要來源之一，但受到人口衝擊和市場飽和的影響，要維持源源不絕的業務人力，一直挑戰著壽險業的業務主管及訓練單位。如何能夠幫助業務人員取得銷售壽險保單的入場門票--通過人身保險業務員資格測驗（在本研究簡稱：壽險資格測驗），一直是壽險公司的重要課題。 本研究透過準實驗設計法，在學習者上課前先進行前測（課前測驗） ，經過教室、數位或混合課程三種課程類型後，將其參與壽險資格測驗的總分、及格率作為後測的訓練成效。探討何種課程類型最有成效後，加入人口背景變項，進一步分析學習者的人口背景變項和不同課程類型對訓練成效之間的關係。 研究結果顯示：(1)教室、數位和混合等三種課程類型對壽險資格測驗總分、及格率上沒有顯著的差異。(2)人口背景變項（性別、年齡和學歷）與三種課程類型，對壽險資格測驗總分、及格率上沒有顯著的差異。 根據研究結論，對壽險資格測驗訓練課程提供三個管理實務上之建議：(1)開發正式混成課程應有助於提升訓練成效。(2)妥善運用數位和混成課程有助於降低營運費用支出。(3)企業應作好數位、混成課程需求成長的準備。

For life insurance companies, agents are always one of the main factors of generating company revenue. Due to market saturation, continuously maintaining enough agent personnel has always been challenging the business executives and training departments of the life insurance industry. How to assist Pre-agents passing the Certificate Examination of Life Insurance (referred to as Certificate Examination in this study), is an important issue for life insurance companies. This study is based on quasi-experimental design. Trainees were asked to take a pre-exam before the training. Their total score and passing rate of the Certificate Examination are regarded as training performance after they attended different types of courses, including classroom-based course, e-Learning course, and mixed course. This study first discusses which course type is most effective, then further analyzes the relationship between the influences of trainees’ background variables and different course types on the training performance. The research shows: (1) Three course types (classroom-based course, E-Learning course, and mixed course) had no significant difference in training performance. (2) Trainees’ background variables (gender, age, and education) and three course types had no significant difference in training performance. The results provide three suggestions to the training for the Certificate Examination of Life Insurance: (1) Developing formal blended-learning courses will improve the training performance. (2) Properly implementing e-Learning and blended-learning courses will reduce operating expenses. (3) Enterprises should be prepared for growing need for e-Learning and blended-learning courses.