lnstitutional drivers of life insurance consumption : a dynamic panel approach for European countries

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      <subfield code="a">lnstitutional drivers of life insurance consumption</subfield>
      <subfield code="b">: a dynamic panel approach for European countries</subfield>
      <subfield code="c">Simona Laura Dragos, Codruta Mare, Cristian Mihai Dragos</subfield>
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      <subfield code="a">The motivation behind this study resides in the heterogeneous development of life insurance across 31 European (developed and former communist) nations over the period 2002-2012. We use the dynarnic panel methodology for explaining the main institutional drivers of life insurance consumption. The results show that the most significant institutional factor is govenance effectiveness. Among the econornic and demographic factors the interest rate and fiscal freedom exert a negative effect on life insurance consumption. Our results can be the basis for improving govenance policies in former communist countries and for creating an institutional system of right incentives on the market</subfield>
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      <subfield code="t">Geneva papers on risk and insurance : issues and practice</subfield>
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      <subfield code="g">01/01/2019 Volumen 44 Número 1 - enero 2019 , p. 36-66</subfield>
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