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What drives life insurance purchasing decisions in Bosnia and Herzegovina?

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<title>What drives life insurance purchasing decisions in Bosnia and Herzegovina?</title>
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<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20210036156">
<namePart>Kozarevic, Safet</namePart>
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<namePart>Hodzic, Sanida</namePart>
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<abstract displayLabel="Summary">Life insurance has become increasingly relevant in Bosnia and Herzegovina (BiH) over the last 10 years. The market is still underdeveloped with low life insurance density (EUR 23.2 per capita in 2019), however, it shows great potential with growth rates averaging 8.7%. The examination of the drivers of life insurance demand should instruct life insurers and policymakers to implement strategies to accelerate the life insurance development in BiH. Life insurance purchasing decisions are influenced by series of determinants, reflecting the customers' experiences and preferences. The purpose of this paper is to examine the determinants of customer life insurance purchasing decisions. We consider the following factors: Income, insurance policy price, propensity to save, insurance policy yield, product-offer, corporate image, and brand. The research covers the existing and potential customers in BiH. Two hundred respondents participated in a survey who were selected according to different sociodemographic characteristics. The main findings show the relevance of particular determinants and their differences that can be helpful for insurance companies in creating their strategy for market growth.

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<note type="statement of responsibility">Safet Kozarevic, Sanida Hodzic</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080570590">
<topic>Seguro de vida</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20100028865">
<geographic>Bosnia y Herzegovina</geographic>
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<classification authority="">341</classification>
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<title>Risk management & insurance review</title>
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<publisher>Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</publisher>
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<identifier type="issn">1098-1616</identifier>
<identifier type="local">MAP20077001748</identifier>
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<text>20/09/2021 Tomo 24 Número 3 - 2021 , p. 263-278</text>
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