Inclusive health and life insurance adoption: An empirical study in Guatemala

Autor:	Sonia Di Giannatale, Juliana Gamboa Arbelaez, Jonathan Barboza, María José Roa
Rok vydání:	2021
Předmět:	Actuarial science media_common.quotation_subject Geography Planning and Development Cognition Development Principal (commercial law) Empirical research Insurance policy Life insurance Economics Personality Financial literacy Big Five personality traits media_common
Zdroj:	Review of Development Economics. 25:1053-1077
ISSN:	1467-9361 1363-6669
DOI:	10.1111/rode.12751
Popis:	In this paper, we analyze the decision to buy inclusive health and life insurance in Guatemala within a theoretical framework driven by new personality and cognition theories combined with traditional insurance theory. We designed and conducted a survey of samples of both non‐insured individuals and clients of Seguros Universales, one of the principal inclusive insurance providers in Guatemala. Our results show that personality traits and time preferences are strongly associated with an individual's decision to hold an insurance contract. We also find evidence that certain combinations related to health habits and personality traits can have an impact on such a decision.
Databáze:	OpenAIRE
Externí odkaz:	https://explore.openaire.eu/search/publication?articleId=doi_________::fddd3273d8a02ed1cb8ac5928857024f https://doi.org/10.1111/rode.12751 Zobrazit plný text záznamu Plný text ve formátu PDF Plný text ve formátu HTML
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