Download Consumer Attitudes Toward Credit Insurance by John M. Barron, Michael E. Staten PDF

By John M. Barron, Michael E. Staten

ISBN-10: 1461285704

ISBN-13: 9781461285700

ISBN-10: 1461313279

ISBN-13: 9781461313274

Consumer Attitudes towards credits Insurance presents the findings of a survey of roughly 3600 people who had the chance to buy credits existence assurance together with all kinds of shopper loans, other than first mortgages and charge cards. The survey that types the foundation of the publication used to be carried out in 1993 via the credits examine middle at Purdue University's Krannert Graduate university of administration. It replicates and expands upon 4 earlier nationwide reviews of credits coverage shoppers, performed among 1970 and 1985.
regardless of the commonly confident findings of past study with recognize to customer attitudes towards credits assurance, numerous open questions stay of curiosity to coverage makers, in particular the query of no matter if coercion is excited by the sale of the assurance. ConsumerAttitudes towards credits Insurance addresses those striking matters. It provides a profile of who's at the moment being served by way of the credits assurance industry, in addition to the explanations debtors buy the product and their adventure with the supply of credits coverage at element of sale.

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The cover letter was tailored to reference one of the four types of creditor's (consumer fmance company, auto fmance company, bank, credit union) that drew the consumer's name. The letter explained that CRC staff did not know the consumer's identity or address, and that their name had been randomly selected by the creditor as representative of recent borrowers. 7 Participating creditors received the survey materials from CRC, applied mailing labels to envelopes to match the appropriate purchase groups, and mailed them.

E Insur.. c:e No Medical Ex ... Of all respondents who thought they purchased credit life insurance, the nearly 29 percent who emphasized "not enough other insurance" as a major factor in their decision tended to have less than a college education and lower incomes, supporting the use of the education and income variables in the demand equation as proxies for the value of credit insurance benefits. Not surprisingly, these respondents were also less likely to own other life insurance in excess of $50,000.

Proxy for Del1UJnd Determinant(s) Perceived Value of the Insurance Payments: the strength of bequest motive is directly related to risk aversion. 21 index value for degree of risk aversion Indicates highest year of formal schooling completed includes some college. Level of education for excluded group is a high school diploma. Indicates highest year of formal schooling completed includes a college degree. Level of education for excluded group is a high school diploma. Total household income for 1992 falls into one of 8 categories.

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