The sources of Buddhist monks are scarce due to the changes of social population structures, the effects of the aging population and the decreasing birth rate. Therefore, it is difficult to pass on Buddhist doctrines. Moreover, most of the monks in the temples are senior citizens, most of whom have no one to take care of and lack of sufficient finance to support their later part of life, which is full of uncertainty. The essay starting from Chapter two introduces all kinds of functions and meanings of insurance and trust. Through interview in person, analyzing questionnaires and gathering predecessors’ researches, domestic Buddhist institutions confront several problems, such as decreasing incomes, aging population, decreasing birth rate, expenditures of diseases and death, inheritance taxes and temple property. The researcher provides temples with some instances to shift risks by means of some ways of personal insurance, property and casualty insurance and trust. The anticipating outcome of this essay is to provide religious institutions with insurance tools to solve the problems mentioned above to face personal risky protection and maintain temple property. Offering analysis and discussion in different ways with real cases, I do hope it will benefit religious institutions of aging population society, and then the principals of the temples can lead a carefree life and focus on running the temples to benefit all living creatures.
