Effect of Life Course Diversity on Risk Cognition and Life Insurance Needs

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  • Inoue Tomoki
    NLI Research Institute, Social Improvement & Life Design Research Group

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  • ライフコースの多様化に伴う生活リスクの変化と保障ニーズ
  • ライフコース ノ タヨウカ ニ トモナウ セイカツ リスク ノ ヘンカ ト ホショウ ニーズ

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In this study, we empirically analyzed that the impact of life course diversity on risk cognition and the impact of risk cognition for life insurance needs. As a result, it was found that for the holding function of "the life insurance", a health risk has influences significantly plus, and that, for the holding function of "the annuity", has influences significantly minus. On the other hand, a family budget risk has a negative effect for the demand of "life insurance", and a health risk has a negative effect for the demand of "medical insurance", significantly. Though the knowledge has a effect significantly plus for each holding functions, but not for demand it. From analysis of purchase intention and risk cognition, we found that the influence on purchase intention is different by a security domain and the kind of the risk, family budget risk significantly effect to intention of annuity and health insurance, health risk to life and health insurance, family risk to life insurance, human relation risk to annuity. The life insurer should have to take effort to understand about the risk recognition, and needs steady action to improve the knowledge of the consumer.

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