The Demand for life insurance policy loans

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<title>Demand for life insurance policy loans</title>
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<namePart>Liebenberg, André P.</namePart>
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<namePart>Hoyt, Robert E.</namePart>
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<abstract displayLabel="Summary">Previous research has examined the demand for life insurance policy loans using aggregate policy loan data. In contrast, authors use a detailed household survey data set containing life insurance and policy loan information alternatively, and in some cases more directly, examine the four hypotheses traditionally associated with policy loan demand. The research provides the first U.S. evidence (in the postWorld War II period) in support of policy loan emergency fund hypothesis. In particular, authors find that the more detailed emergency fund proxies used here reveal a significantly positive relation between loan demand and recent expense or income shocks.</abstract>
<note type="statement of responsibility">Andre P. Liebenberg, James M. Carson, Robert E. Hoyt</note>
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<topic>Préstamos</topic>
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<topic>Demanda de seguros</topic>
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<topic>Seguro de vida</topic>
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<topic>Mercado de seguros</topic>
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<geographic>Estados Unidos</geographic>
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<title>The Journal of risk and insurance</title>
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<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
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<text>01/09/2010 Tomo 77 Número 3  - 2010 , p. 651-666</text>
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