Croyances de survie et choix de contrat d'assurance décès une étude empirique
AbstractThis article is an empirical study of the self-perceived mortality risk and of its impact on life insurance decisions. The sample contains individuals between 45 and 65 years old, who were asked about their self-perceived risk, their health characteristics, socioeconomic situation as well as about the characteristics of their life insurance contracts. The impact of the various diseases and of smoking on the mortality beliefs observed confirms the individuals' rationality. The objective characteristics reveal however not to be sufficient to explain the self-perceived risks, the impact of uncertainty aversion being significant. Besides, the decisions of purchasing or not life insurance and of the insured amount seem taken separately. Indeed, variables explaining the two decisions differ.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoArticle provided by De Boeck Université in its journal Recherches économiques de Louvain.
Volume (Year): 71 (2005)
Issue (Month): 1 ()
Contact details of provider:
Web page: http://www.cairn.info/revue-recherches-economiques-de-louvain.htm
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- John Cawley & Tomas Philipson, 1997.
"An Empirical Examination of Information Barriers to Trade inInsurance,"
University of Chicago - George G. Stigler Center for Study of Economy and State
132, Chicago - Center for Study of Economy and State.
- Tomas Philipson & John Cawley, 1999. "An Empirical Examination of Information Barriers to Trade in Insurance," American Economic Review, American Economic Association, vol. 89(4), pages 827-846, September.
- John Cawley & Tomas Philipson, 1996. "An Empirical Examination of Information Barriers to Trade in Insurance," NBER Working Papers 5669, National Bureau of Economic Research, Inc.
- Marc Willinger, 1990.
"La rénovation des fondements de l'utilité et du risque,"
Presses de Sciences-Po, vol. 0(1), pages 5-48.
- Marc Willinger, 1990. "La rénovation des fondements de l'utilité et du risque," Revue Économique, Programme National Persée, vol. 41(1), pages 5-48.
- Rogowski, Jeannette & Karoly, Lynn, 2000. "Health insurance and retirement behavior: evidence from the health and retirement survey," Journal of Health Economics, Elsevier, vol. 19(4), pages 529-539, July.
- Lusardi, Annamaria, 1998. "On the Importance of the Precautionary Saving Motive," American Economic Review, American Economic Association, vol. 88(2), pages 449-53, May.
- Daniel S. Hamermesh, 1982.
"Expectations, Life Expectancy, and Economic Behavior,"
NBER Working Papers
0835, National Bureau of Economic Research, Inc.
- Hamermesh, Daniel S, 1985. "Expectations, Life Expectancy, and Economic Behavior," The Quarterly Journal of Economics, MIT Press, vol. 100(2), pages 389-408, May.
- Viscusi, W Kip, 1990. "Do Smokers Underestimate Risks?," Journal of Political Economy, University of Chicago Press, vol. 98(6), pages 1253-69, December.
- Benjamin, Daniel K & Dougan, William R, 1997. "Individuals' Estimates of the Risks of Death: Part I--A Reassessment of the Previous Evidence," Journal of Risk and Uncertainty, Springer, vol. 15(2), pages 115-33, November.
- Cohen, M. & Tallon, J.M., 1999. "Decision dans le risque et l'incertitude:l'apport des modeles non additifs," Papiers d'Economie MathÃÂ©matique et Applications 1999.69, UniversitÃ© PanthÃ©on-Sorbonne (Paris 1).
- Viscusi, W Kip & Hakes, Jahn K & Carlin, Alan, 1997. "Measures of Mortality Risks," Journal of Risk and Uncertainty, Springer, vol. 14(3), pages 213-33, May-June.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire).
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.