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Croyances de survie et choix de contrat d’assurance décès : une étude empirique

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  • Meglena JELEVA

    (LEN-C3E, Université de Nantes et EUREQua)

Abstract

Cet article est une étude empirique de la formation des croyances de survie et de leur impact sur les décisions en matière de contrats d'assurance décès. L'étude est menée sur un échantillon d'individus entre 45 et 65 ans, qui ont été interrogés sur leurs croyances de survie, leurs caractéristiques de santé, leur situation socio-économique ainsi que sur les caractéristiques des contrats d'assurance décès qu'ils possèdent. L'impact des différentes maladies et du fait de fumer sur la croyance de survie observé confirme la rationalité des personnes interrogées. Les caractéristiques objectives ne sont cependant pas suffisantes pour expliquer les croyances car, une fois leur effet isolé, il reste un important élément subjectif, qui peut être lié à l'attitude vis-à-vis de l'incertitude. On montre par ailleurs que les décisions d'achat d'assurance décès et du capital assuré semblent prises séparément. On observe en effet que les variables expliquant les deux décisions ne sont pas identiques.

Suggested Citation

  • Meglena JELEVA, 2005. "Croyances de survie et choix de contrat d’assurance décès : une étude empirique," Discussion Papers (REL - Recherches Economiques de Louvain) 2005014, Université catholique de Louvain, Institut de Recherches Economiques et Sociales (IRES).
  • Handle: RePEc:ctl:louvre:2005014
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    File URL: http://sites.uclouvain.be/econ/DP/REL/2005014.pdf
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    References listed on IDEAS

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    1. 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.
    2. Cohen, M. & Tallon, J.M., 1999. "Decision dans le risque et l'incertitude:l'apport des modeles non additifs," Papiers d'Economie Mathématique et Applications 1999.69, Université Panthéon-Sorbonne (Paris 1).
    3. Viscusi, W Kip, 1990. "Do Smokers Underestimate Risks?," Journal of Political Economy, University of Chicago Press, vol. 98(6), pages 1253-1269, December.
    4. Daniel S. Hamermesh, 1985. "Expectations, Life Expectancy, and Economic Behavior," The Quarterly Journal of Economics, Oxford University Press, vol. 100(2), pages 389-408.
    5. 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 115-133, November.
    6. Lusardi, Annamaria, 1998. "On the Importance of the Precautionary Saving Motive," American Economic Review, American Economic Association, vol. 88(2), pages 449-453, May.
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    More about this item

    Keywords

    Croyances de survie; Demande d’assurance;

    JEL classification:

    • D8 - Microeconomics - - Information, Knowledge, and Uncertainty
    • G2 - Financial Economics - - Financial Institutions and Services

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