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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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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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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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Life Insurance Demand and Household Portfolio Behavior: Comment
The Journal of Risk and Insurance, 1976The recent article in this Journal by Headen and Lee [9] is an interesting attempt to extend previous work in the area of ordinary life insurance demand analysis. The authors characterize life insurance as one of several components of a household's financial asset portfolio and, therefore, suggest that decisions to purchase or not purchase insurance in
John F. Willenborg, James M. Clapper
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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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Life insurance demand: Middle East and North Africa
International Journal of Social Economics, 2017Purpose Life insurance is a kind of long-term investment; hence, the purpose of buying life insurance is to cover both current and future damages for the insured. Although insurance plays a crucial rule in fiscal and economic development, in MENA countries, insurance, especially life insurance, remains undeveloped, with a low penetration rate ...
Sara Emamgholipour +2 more
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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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Household Life Insurance Demand
North American Actuarial Journal, 2010Edward W. (Jed) Frees +1 more
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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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