リスク認知と生命保険需要形成プロセス

  • 林 晋
    公益財団法人生命保険文化センター

書誌事項

タイトル別名
  • Risk Perception and Formation Processes in Demand for Life Insurance
  • リスク認知と生命保険需要形成プロセス : 生活リスクへの対応は死亡保障,老後保障,医療保障,介護保障で異なるか
  • リスク ニンチ ト セイメイ ホケン ジュヨウ ケイセイ プロセス : セイカツ リスク エ ノ タイオウ ワ シボウ ホショウ,ロウゴ ホショウ,イリョウ ホショウ,カイゴホショウ デ コトナル カ
  • death security, old-age security, health security, care security
  • 生活リスクへの対応は死亡保障,老後保障,医療保障,介護保障で異なるか

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説明

The following observations are made concerning household insurance. It is often assumed that risk perception is the starting-point of the insurance demand formation process. Nevertheless, it is not necessarily the case that the actual insurance demand is formed as a result of risk perception. It involves weaknesses arising from rational thought and behavior. <BR>In this paper, we used path analysis to empirically test the relationship between the formation of domestic life insurance demand and risk perception in the four separate categories of death security, old-age security, health security, and care security. <BR>As a result, the following features were revealed. In the case of old-age security and care security, risk perception can be recognized as the starting-point for insurance demand. In the case of death security and health security, however, this is not necessarily the case.

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