Expenditures for Life Insurance among Working-Wife Families

Duker, Jacob M.

doi:10.2307/251159

Cited by 62 publications

(49 citation statements)

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“…Households in which the income of the household head represents the only stream of income would be expected to have a higher demand for life insurance while households with more than one income -and therefore less reliant on the income of the household head -would be likely to have less need to insure the household head (Di Matteo and Emery, 2002). This theory finds support in evidence provided by Duker (1969) and Kantor and Fishback (1996) with respect to the insurance demand of households with working wives. Since differences existed between the income and occupations of immigrant and native-born, we control for these variables in the empirical analysis.…”

supporting

confidence: 59%

Immigration and the demand for life insurance: evidence from Canada, 1911

Bromhead¹,

Borowiecki

2016

European Review of Economic History

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This paper analyses the determinants of the demand for life insurance using sample data from the 1911 Census of Canada. We find that immigrants' demand for life insurance was on average around 13 percentage points lower than that of native-born Canadians, with the effect varying by province of settlement. We interpret these findings as evidence suggesting a greater appetite for risk among self-selecting immigrants relative to native-born Canadians. We also uncover evidence of a slow assimilation of immigrants in terms of life insurance holdings, slower indeed than the process of assimilation in terms of earnings.

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supporting

confidence: 59%

Immigration and the demand for life insurance: evidence from Canada, 1911

Bromhead¹,

Borowiecki

2016

European Review of Economic History

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“…There is positive relationship found between education and life insurance demand as people having higher education tend to protect their dependents from premature death of the family head (Browne & Kim, 1993;Truett & Truett, 1990). Certain studies (Anderson & Nevin, 1975;Auerbach & Kotlikoff, 1989;Duker, 1969) found negative relationship between life insurance and level of education suggesting that more people involvement in gaining higher education reduces labour force affecting GDP of that country. There are studies that found insignificant relationship between life insurance and education or schooling as argued that insurance education is not basically provided at schools (Beck & Webb, 2003;Hau, 2000;Li et al, 2007;Ofoghi & Farsangi, 2013;Treerattanapun, 2011).…”

Section: Hypothesis Iii-bmentioning

confidence: 99%

Determinants of Takāful and conventional insurance demand: A regional analysis

Akhter

Khan

2017

Cogent Economics & Finance

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Abstract:In this study, we focused on analysing and differentiating the determinants of conventional insurance and Takāful demand across ASEAN and Middle East Regions. We used panel data econometrics on a sample of 14 Asian countries having both conventional insurance and Takāful over the period [2005][2006][2007][2008][2009][2010][2011][2012][2013][2014]. We applied fixed and random effect regression models to assess the impact of macroeconomic and demographic factors on conventional insurance and Takāful demand. Income and financial sector were found to have significant positive impact on insurance demand across all regions. On the other hand, dependency ratio was found to be negatively affecting Takāful demand across all regions while inflation shows positive impact. Urbanization was found to be significant positive impact on both conventional insurance and Takāful demand. Financial sector development positively triggers the insurance and Takāful demand across ASEAN region, while it triggers conventional insurance demand only in Middle East Region. Education shows negative impact on Takāful demand across both regions while it shows positive impact on insurance demand in Middle East. The study recognises the key role of urbanization and education in creating awareness to enhance Takāful demand in large populated countries of ASEAN and South Asia.

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“…Browne and Kim (1993) also found, on a cross-sectional study for 45 countries, a significant positive influence of education over the demand for life insurance. The studies of Duker (1969), Anderson and Nevin (1975) and Auerbach and Kotlikoff (1989) revealed that education is negatively related to life insurance demand. Zietz (2003) discovered that published research shows conflicting results for certain determinants of life insurance demand, including education.…”

Section: Literature Reviewmentioning

confidence: 99%

Life and non-life insurance demand: the different effects of influence factors in emerging countries from Europe and Asia

Dragoş

2014

Economic Research-Ekonomska Istraživanja

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Urbanisation, incomes and their distributions, and the population degree of education are relevant factors for the development of insurance sector. This study estimates the different effects of the previously mentioned factors for life and non-life sector. We used the econometrics of panel data on 17 emerging economies from Asia and Europe over a 10-year period. We showed that urbanisation influenced significantly the life insurance demand in Asia, but not in Europe. Also, education was found to be significant only for the non-life sector in both regions and income was nonsignificant in Asia for non-life sector.

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Expenditures for Life Insurance among Working-Wife Families

Cited by 62 publications

References 0 publications

Immigration and the demand for life insurance: evidence from Canada, 1911

Immigration and the demand for life insurance: evidence from Canada, 1911

Determinants of Takāful and conventional insurance demand: A regional analysis

Life and non-life insurance demand: the different effects of influence factors in emerging countries from Europe and Asia

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