The Quality of insurance intermediary services : empirical evidence for Germany

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<title>Quality of insurance intermediary services</title>
<subTitle>: empirical evidence for Germany</subTitle>
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<namePart>Räthke-Döppner, Solvig</namePart>
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<abstract displayLabel="Summary">Competing insurance intermediaries provide heterogeneous services that are difficult for incompletely informed consumers to assess. Transaction cost economics, search theory, and principal-agent theory provide arguments on product quality differences between exclusive agents and independent intermediaries. This article uses a sample of 927 insurance intermediaries in Germany. By performing OLS estimations, we test the impact of the different distribution channels and other factors on intermediaries service quality. Depending on the proxies used for service quality, we find mixed evidence for the product quality hypothesis. Service quality depends to a large extenton the information-gathering and processing activities of the individualintermediaries, independent of the respective distribution channel</abstract>
<note type="statement of responsibility">Martina Eckardt, Solvig Räthke-Döppner</note>
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<topic>Canales de distribución</topic>
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<topic>Ventas de seguros</topic>
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<topic>Intermediarios</topic>
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<topic>Administración de la empresa de seguros</topic>
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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. 667-701</text>
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