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Croyances de survie et choix de contrat dÕassurance dŽcs : une Žtude empirique

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Author Info
Meglena JELEVA (LEN-C3E, UniversitŽ de Nantes et EUREQua)
Abstract

Cet article est une Žtude empirique de la formation des croyances de survie et de leur impact sur les dŽcisions en matire de contrats d'assurance dŽcs. L'Žtude est menŽe sur un Žchantillon d'individus entre 45 et 65 ans, qui ont ŽtŽ interrogŽs sur leurs croyances de survie, leurs caractŽristiques de santŽ, leur situation socio-Žconomique ainsi que sur les caractŽristiques des contrats d'assurance dŽcs qu'ils possdent. L'impact des diffŽrentes maladies et du fait de fumer sur la croyance de survie observŽ confirme la rationalitŽ des personnes interrogŽes. Les caractŽristiques objectives ne sont cependant pas suffisantes pour expliquer les croyances car, une fois leur effet isolŽ, il reste un important ŽlŽment subjectif, qui peut tre liŽ ˆ l'attitude vis-ˆ-vis de l'incertitude. On montre par ailleurs que les dŽcisions d'achat d'assurance dŽcs et du capital assurŽ semblent prises sŽparŽment. On observe en effet que les variables expliquant les deux dŽcisions ne sont pas identiques.

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Paper provided by Université catholique de Louvain, Institut de Recherches Economiques et Sociales (IRES) in its series Discussion Papers (REL - Recherches Economiques de Louvain) with number 2005014.

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Length: 22
Date of creation: 01 Mar 2005
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Handle: RePEc:ctl:louvre:2005014

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Related research
Keywords: Croyances de survie; Demande dÕassurance;

Find related papers by JEL classification:
D8 - Microeconomics - - Information, Knowledge, and Uncertainty
G2 - Financial Economics - - Financial Institutions and Services

References listed on IDEAS
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  1. Lusardi, Annamaria, 1998. "On the Importance of the Precautionary Saving Motive," American Economic Review, American Economic Association, vol. 88(2), pages 449-53, May. [Downloadable!] (restricted)
  2. Viscusi, W Kip, 1990. "Do Smokers Underestimate Risks?," Journal of Political Economy, University of Chicago Press, vol. 98(6), pages 1253-69, December. [Downloadable!] (restricted)
  3. John Cawley & Tomas Philipson, 1999. "An Empirical Examination of Information Barriers to Trade in Insurance," American Economic Review, American Economic Association, vol. 89(4), pages 827-846, September. [Downloadable!] (restricted)
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  4. Daniel S. Hamermesh, 1985. "Expectations, Life Expectancy, and Economic Behavior," NBER Working Papers 0835, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    Other versions:
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