생애사건이 가구의 보험보유상태 변화에 미치는 영향 분석 = Effects of Life Events on Changes in Insurance Holdings

국문 초록 (Abstract)

이 연구의 목적은 생애사건이 가구의 보장성보험 보유상태 변화에 미치는 영향을 검증하는 것이다. 이제까지 가구의 보험가입결정에 대한 연구는 정태적 보험수요분석이 대부분이었고 따라서 보험의 가입 및 해약에 영향을 주는 가구의 동태적 특성을 분석하는데 한계가 있었다. 이에 본 연구는 보험의 보유상태 변화를 신규가입, 추가가입, 전액해약, 부분해약으로 구분하여 가구의 동태적 특성 변화의 영향을 분석하였다. 분석결과, 출산 및 사망, 취업상태 및 종사상지위 변화, 소득 및 순자산변화는 가구의 보험보유상태 변화에 유의한 영향을 미치는 것으로 나타난 반면, 결혼 및 이혼은 유의한 영향을 미치지 않는 것으로 나타났다. 특히, 가구는 첫 출산을 계기로 보험에 신규·추가 가입할 가능성이 높은 것으로 나타났고, 추가가입과는 달리신규가입에 있어 첫 출산을 제외한 출산은 유의한 변인이 아닌 것으로 나타났다. 이러한 결과는 향후 보험산업이 저출산과 노동시장의 변화를 주시하고 대응해나가야할 필요가 있음을 시사하고 있다.

다국어 초록 (Multilingual Abstract)

We study the effects of life events on changes in household insurance holdings. Most of existing literature on the household demand for insurance has taken static approach using cross-sectional data, which does not allow for dynamic analyses of the relationship between life events and the demand for insurance. Thus, we analyse the demand for insurance in a dynamic setting, using panel data and classifying changes in holdings of insurance coverage into four categories such as initiation, increase, termination(no coverage), and reduction. We find that life events, such as the birth of a child, the death of a household member, being employed or being unemployed, changes in employment status (self-employed or not), and changes in income or net assets, have statistically significant impact on household insurance holdings, but marriage and divorce do not. In particular, our results indicate that the households with the birth of their first child are more likely to initiate or increase their holdings of insurance coverage than are the households with the birth of their second child. Our findings suggest that the insurance industry needs to develop strategies to deal with low birth rates and changes in the labor market environment.

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