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Bequest Motives and the Demand for Life Insurance in East Germany


  • Nicolas Sauter


type="main" xml:id="geer579-abs-0001"> Empirical studies of household saving remain inconclusive about the role of bequest motives. This may be due to the diluting effect of different tax regimes across countries and time on estimates of bequest motives. Relative to market-based economies, the former German Democratic Republic can be viewed as an experimental institutional setting where life-insurance demand was not influenced by tax considerations. This allows isolating bequest motives from other life-cycle and precautionary savings motives. Analyzing the demand for life insurance, we find a significantly higher ownership probability among households with children and a high regard for the family, confirming bequest motives in life-insurance demand.

Suggested Citation

  • Nicolas Sauter, 2014. "Bequest Motives and the Demand for Life Insurance in East Germany," German Economic Review, Verein für Socialpolitik, vol. 15(2), pages 272-286, May.
  • Handle: RePEc:bla:germec:v:15:y:2014:i:2:p:272-286

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    Cited by:

    1. Tabea Herrmann & Juliane Zenker, 2016. "Risk-type and preference-based selection and stability of funeral insurance associations in Thailand," Courant Research Centre: Poverty, Equity and Growth - Discussion Papers 198, Courant Research Centre PEG.
    2. repec:kap:sbusec:v:51:y:2018:i:1:d:10.1007_s11187-017-9919-x is not listed on IDEAS
    3. Brunner Johann K., 2014. "Die Erbschaftsteuer – Bestandteil eines optimalen Steuersystems?," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 15(3), pages 199-218, October.
    4. Zenker, Juliane & Herrmann, Tabea, 2016. "Risk-type and preference-based selection and stability of funeral insurance associations in Thailand," Annual Conference 2016 (Augsburg): Demographic Change 145653, Verein für Socialpolitik / German Economic Association.

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