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Life Insurance Demand Analysis: Evidence from Visegrad Group Countries

ABSTRACT This paper aims to find the relationship between key determinants such as income, education, life expectancy, employment and life insurance demand in the countries of the Visegrad Group (V4). This article makes use of OECD data and applies linear and panel data regressions. We find that with increasing income and higher educational attainment, people demonstrate more demand for investment in pension funds but less for life insurance. Furthermore, unemployment appears to have a strongly negative effect in all presented models, and with higher life expectancy, people demand more life insurance products and less pension fund assets.