Determinants of insurance pervasiveness: a cross-national analysis
Macroeconomic variables have previously been studied to better understand the varying degree of insurance pervasiveness across countries, but the impact of sociocultural variables on the degree of insurance pervasiveness has not been extensively researched. Using data from a representative sample of 37 countries across the globe, we find that certain cultural and sociopolitical variables can significantly influence the level of insurance pervasiveness. Specifically, we find that the masculine-feminine dimension of national culture, aggregate income, sociopolitical stability, and government regulation have statistically significant effects. Besides being additions to this body of knowledge, these results provide important revelations that represent valuable information to various constituents of the insurance industry.
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Volume (Year): 11 (2002)
Issue (Month): 1 (February)
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