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Demand for Life Insurance: Comment
The Journal of Risk and Insurance, 1970In a recent issue of this Journal, Mr. G. Mantis and Professor R. N. Farmer propose a model for predicting future total demand for life insurance.' The purpose of this comment is to suggest that the particular model developed by the authors is useless for predicting purposes.It will be shown that arguments can be raised as to the validity of the ...
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An Examination of the Demand for Life Insurance
Risk Management and Insurance Review, 2003AbstractFor almost 50 years researchers have sought to explain consumer behavior concerning the purchase of life insurance. This study examines the literature relating to specific demographic and economic factors that may be identifiable as traits influencing the demand for life insurance, and discusses general environmental issues that may relate to ...
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Determinants of Life Insurance Demand in Tunisia
African Development Review, 2017AbstractThis paper investigates the variables driving the demand for life insurance in Tunisia based on annual macroeconomic data spanning the period from 1990 to 2014 and collected from the Swiss Reinsurance company and the World Bank's databases. We provide a characterization of the Tunisian life insurance sector and a comparison to some emerging ...
Mouna Zerriaa +3 more
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The Demand for Life Insurance: An Application of the Economics of Uncertainty
The Journal of Finance, 1980ABSTRACTFinancial economists typically assume that capital income uncertainty, derived from investments in uncertain returned marketable securities, represents the major source of household consumption uncertainty. But, for many households, if not most, labor income uncertainty dominates capital income uncertainty.This study analyzes households optimal
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The Price Elasticity of Demand for Whole Life Insurance
The Journal of Finance, 1985ABSTRACTIn this study a real price index is created for whole life insurance sold in the United States from 1953 to 1979. New purchases of whole life insurance are shown to be negatively related to changes in this cost index, contrary to what has been widely accepted in the insurance literature, but consistent with economic theory.
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Genetic testing, adverse selection, and the demand for life insurance
American Journal of Medical Genetics, 2000The dramatic increase in genetic testing for adult-onset diseases has created a debate regarding whether or not insurance companies should be able to use genetic test results in underwriting. We use data from women who have been tested for the BRCA1 gene mutation along with data from otherwise comparable untested women to assess the potential for ...
C D, Zick +3 more
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Long-Term Care Insurance and Life Insurance Demand
The Geneva Papers on Risk and Insurance Theory, 1998This article investigates the interaction between life insurance and long-term care insurance markets on the demand side. In the model utility depends on both consumption and bequest, and utility from consumption is contingent on the state of health. While the demand for life insurance increases both with decreasing income and with a rising degree of ...
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Life Insurance Demand and Household Portfolio Behavior
The Journal of Risk and Insurance, 1974This paper explores the effects of short-run financial market behavior and consumer expectations on purchases of ordinary life insurance. The major objective of the paper is to develop information concerning the structural determinants of life insurance demand. In the paper, a model that interrelates demand for various financial assets is suggested and
Robert S. Headen, J. Finley Lee
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Gender perspective on life insurance demand in Ghana
International Journal of Social Economics, 2018Purpose Against the background that Ghanaians seldom purchase insurance policies, the purpose of this paper is to investigate the determinants of life insurance uptake among male and female household heads in Ghana. Design/methodology/approach The study employs data on 775 male and 233 female household heads from the sixth round of the Ghana Living ...
Samuel Ampaw +2 more
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The Demand for Life Insurance: An Application of the Economics of Uncertainty: A Comment
The Journal of Finance, 1982objective function. In this comment, the demand-for-insurance equations are derived once again, but this time the derivation will be direct, without use of the Taylor approximation. It is demonstrated that Campbell's approximate functions do not converge in the limit to the exact solutions for logarithmic utility functions.
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