中小企業経営者の生命保険需要決定要因

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  • 小山 浩一
    法政大学大学院政策創造研究科博士後期課程

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  • チュウショウ キギョウ ケイエイシャ ノ セイメイ ホケン ジュヨウ ケッテイ ヨウイン

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Abstract

<p>The purpose of this paper is to analyze the demand of key person insurance of small and medium-sized business enterprises and to contribute to the sound development of the life insurance industry.</p><p>The demand of key person insurance by SME Owners is influenced by the two factors. One is the financial needs for consistency. The other is the business owner’s personal values.</p><p>As a result of the discussion, the following was confirmed.</p><p>The financial needs of SME Owners can be classified into three areas which are business interruption risk, retirement allowance and preventative issues. These financial needs make positive impacts on the demand of key person insurance.</p><p>As for values, the impact of uncertainty avoidance and collectivism on the demand of key person insurance was confirmed. The uncertainly avoidance makes a negative impact on the demand of the policyholder. Collectivism makes a positive impact on demand other than the policyholder.</p><p>The Major implication of this study is the necessity to create a segmented communication strategy based on the value system of the customer enterprises.</p>

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