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Personality Traits and Insurance Demand
Personality and Social Psychology BulletinPersonality traits drive people’s financial decisions and hence affect their lives. Yet, we know little about the relationship between personality traits and insurance decisions.
T. Schilling, W. Bleidorn
semanticscholar +4 more sources
How the demand for insurance became behavioral
Journal of Economic Behavior and Organization, 2020Recent developments in research on insurance reveal a shift towards behavioral insurance. Decisions remain rational but in a broader framework of reference that accounts for the role of loss aversion, ambiguity, framing, reference points, and emotions in people's decisions.
Claude Montmarquette +1 more
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Public Flood Risk Mitigation and the Homeowner’s Insurance Demand Response
Land Economics, 2022This article investigates the influence of public risk mitigating activities on individuals’ decisions to privately mitigate their disaster risks through changes in their risk perceptions. We exploit heterogeneity in measures under the U.S.
Stefan Borsky, Hannah Hennighausen
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Prospect theory and insurance demand: Empirical evidence on the role of loss aversion
Journal of Behavioral and Experimental Economics, 2021This paper empirically tests if prospect theory's loss aversion can explain an individual's real-world insurance take-up behavior. Using American Life Panel data, this paper shows that loss-averse individuals have a significantly lower ownership rate of ...
Injun Hwang
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Investor confidence and life insurance demand: can economic condition limit life insurance business?
International Journal of Emerging Markets, 2021PurposeLife insurance is bought with a prior belief that promise stipulated in policy will be honored when due. Discernibly, this belief is backed by the confidence that financial markets and economy will demonstrate satisfactory performance.
Danish Ahmed +2 more
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2023
On-demand insurance is growing rapidly with predictions that by 2030 the global insurance market will evolve to contain highly dynamic, usage-based products that are tailored to individual customer behaviours and will transition from an annual renewal model to a continuous cycle, with products that constantly adapt to individual behavioural patterns ...
Tarr, Anthony A. +2 more
openaire +2 more sources
On-demand insurance is growing rapidly with predictions that by 2030 the global insurance market will evolve to contain highly dynamic, usage-based products that are tailored to individual customer behaviours and will transition from an annual renewal model to a continuous cycle, with products that constantly adapt to individual behavioural patterns ...
Tarr, Anthony A. +2 more
openaire +2 more sources
Determinants of Life Insurance Demand in the MENA Region
Geneva Papers on Risk and Insurance: Issues and Practice, 2016Mouna Zerriaa, Hédi Noubbigh
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Background Uncertainty and the Demand for Insurance Against Insurable Risks [PDF]
The Geneva Papers on Risk and Insurance Theory, 1998 Theory suggests that people facing higher uninsurable background risk buy more insurance against other risks that are insurable. This proposition is supported by Italian cross-sectional data. It is shown that the probability of purchasing casualty insurance increases with earnings uncertainty.
JAPPELLI, TULLIO, GUISO, LUIGI
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On the Corporate Demand for Insurance
The Journal of Business, 1982Insurance contracts are regularly purchased by corporations. The Insurance Information Institute reports that “business insurance accounted for approximately 54.2 percent of the $79, 032,923,000 in direct property and liability insurance premiums written in the United States in 1978” (1979, p. 9).
Mayers, David, Smith, Clifford W, Jr
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Do you trust your insurer? Ambiguity about contract nonperformance and optimal insurance demand
Journal of Economic Behavior and Organization, 2020We study optimal insurance demand for a risk- and ambiguity-averse consumer under ambiguity about contract nonperformance. Ambiguity aversion lowers optimal insurance demand and the consumer’s degree of ambiguity aversion is negatively associated with ...
R. Peter, Jie Ying
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