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La détention d'assurance vie selon l'âge : une étude économétrique

  • Mahieu, Ronan
  • Lavigne, Anne
  • El Mekkaoui de Freitas, Najat
  • Bernard, Philippe

Notre communication se propose d’expliciter les comportements de détention de produits d’assurance vie selon l’âge, à partir d’une exploitation économétrique de l’enquête Patrimoine 1998 de l’Insee. Plus précisément, nous cherchons à identifier les déterminants socio-économiques et financiers significatifs de cette détention (en particulier l’âge, le revenu, le patrimoine, la situation matrimoniale, le statut professionnel et le niveau d’études). En suivant la logique développée dans un article précédent, nous estimons un modèle Probit pour expliquer la probabilité de détention de produits d’assurance, et des moindres carrés ordinaires pour expliquer les montants de richesse détenue en produits d’assurance, en fonction des déterminants identifiés précédemment.

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Paper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/3512.

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Date of creation: Jun 2002
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Handle: RePEc:dau:papers:123456789/3512
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  1. Daniel Szpiro, 1995. "La diffusion des produits financiers auprès des ménages en France," Économie et Statistique, Programme National Persée, vol. 281(1), pages 41-68.
  2. Martin Browning & Annamaria Lusardi, 1996. "Household Saving: Micro Theories and Micro Facts," Journal of Economic Literature, American Economic Association, vol. 34(4), pages 1797-1855, December.
  3. Auerbach, Alan J. & Kotlikoff, Laurence J., 1991. "The adequacy of life insurance purchases," Journal of Financial Intermediation, Elsevier, vol. 1(3), pages 215-241, June.
  4. Attanasio, Orazio P & Weber, Guglielmo, 1995. "Is Consumption Growth Consistent with Intertemporal Optimization? Evidence from the Consumer Expenditure Survey," Journal of Political Economy, University of Chicago Press, vol. 103(6), pages 1121-57, December.
  5. Irvine, Ian & Wang, Susheng, 2001. "Saving behavior and wealth accumulation in a pure lifecycle model with income uncertainty," European Economic Review, Elsevier, vol. 45(2), pages 233-258, February.
  6. Deaton, Angus, 1991. "Saving and Liquidity Constraints," Econometrica, Econometric Society, vol. 59(5), pages 1221-48, September.
  7. B. Douglas Bernheim & Lorenzo Forni & Jagadeesh Gokhale & Laurence J. Kotlikoff, 1999. "The Adequacy of Life Insurance: Evidence from the Health and Retirement Survey," NBER Working Papers 7372, National Bureau of Economic Research, Inc.
  8. André Masson & Luc Arrondel, 1996. "Gestion du risque et comportements patrimoniaux," Économie et Statistique, Programme National Persée, vol. 296(1), pages 63-89.
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