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Wybrane determinanty zakupu ubezpieczeń na życie w opinii respondentów

cris.lastimport.scopus2025-10-23T06:55:00Z
cris.virtual.author-orcid0000-0001-8491-5360
cris.virtual.author-orcid#PLACEHOLDER_PARENT_METADATA_VALUE#
cris.virtualsource.author-orcid8d65e9f3-b9ea-4d9b-90f2-8e979641578b
cris.virtualsource.author-orcid#PLACEHOLDER_PARENT_METADATA_VALUE#
dc.abstract.enThe main purpose of the study was to evaluate selected determinants of life insurance purchase. The subjects of the study were adult individuals, while the subjects were life insurance. The source of data was primarily primary material obtained in 2022-2023 through a questionnaire survey. (104 responses were received). Data were processed using ꭓ2 statistical tests and Kruskal-Wallis nonparametric analysis of variance. Cross-tabulation included analysis of responses by gender, education, place, and monthly net income per person in the household. The mentioned determinants differentiated the responses in a statistically significant way. The results proved that as many as 81% of respondents had one insurance policy. The number of individual insurance policies only slightly exceeded the group form of insurance. Importantly, among the insured there were both old customers (insurance for more than 5 years) and new customers (1 year or up to 1 year). Respondents spend relatively low amounts on premiums but are satisfied with this protection. Factors influencing the purchase of these insurances were the desire to protect relatives in case of death, a general sense of security, the fact of having protection itself, and support in case of illness or invalidity.
dc.abstract.plCelem głównym badań była ocena wybranych determinant zakupu ubezpieczeń na życie. Podmiotem badań były pełnoletnie osoby fizyczne, a przedmiotem ubezpieczenia na życie. Źródłem danych był przede wszystkim materiał pierwotny pozyskany w latach 2022-2023, dzięki badaniu ankietowemu (uzyskano 104 odpowiedzi). Dane przetworzono wykorzystując testy statystyczne chi-kwadrat oraz nieparametryczną analizę wariancji Kruskala-Wallisa. Badanie krzyżowe objęło analizę odpowiedzi w przekroju: płeć, wykształcenie, miejsce i miesięczny dochód netto na osobę w gospodarstwie domowym. Wymienione determinanty różnicowały odpowiedzi w sposób statystycznie istotny. W wyniku przeprowadzonych badań dowiedziono, że aż 81% ankietowanych osób miało jedno ubezpieczenie. Liczba indywidualnych polis tylko nieznacznie przekraczała grupową formę ubezpieczenia. Co ważne w gronie ubezpieczonych byli zarówno stali klienci (ubezpieczenie powyżej 5 lat), jak i nowi (1 rok lub do 1 roku). Na składkę badani przeznaczali stosunkowo niewielkie kwoty, ale byli zadowoleni z tej ochrony. Czynnikami mającymi wpływ na zakup tych ubezpieczeń były: chęć zabezpieczenia najbliższych w razie ich śmierci, ogólne poczucie bezpieczeństwa, sam fakt posiadania ochrony oraz wsparcie w razie choroby i niezdolności do pracy.
dc.affiliationWydział Ekonomiczny
dc.affiliation.instituteKatedra Ekonomii i Polityki Gospodarczej w Agrobiznesie
dc.contributor.authorStandar, Aldona
dc.contributor.authorZielińska, Joanna
dc.date.access2025-06-03
dc.date.accessioned2025-09-16T11:41:47Z
dc.date.available2025-09-16T11:41:47Z
dc.date.copyright2023-12-06
dc.date.issued2023
dc.description.abstract<jats:p>The main purpose of the study was to evaluate selected determinants of life insurance purchase. The subjects of the study were adult individuals, while the subjects were life insurance. The source of data was primarily primary material obtained in 2022-2023 through a questionnaire survey. (104 responses were received). Data were processed using ꭓ2 statistical tests and Kruskal-Wallis nonparametric analysis of variance. Cross-tabulation included analysis of responses by gender, education, place, and monthly net income per person in the household. The mentioned determinants differentiated the responses in a statistically significant way. The results proved that as many as 81% of respondents had one insurance policy. The number of individual insurance policies only slightly exceeded the group form of insurance. Importantly, among the insured there were both old customers (insurance for more than 5 years) and new customers (1 year or up to 1 year). Respondents spend relatively low amounts on premiums but are satisfied with this protection. Factors influencing the purchase of these insurances were the desire to protect relatives in case of death, a general sense of security, the fact of having protection itself, and support in case of illness or invalidity.</jats:p>
dc.description.accesstimeat_publication
dc.description.bibliographyil., bibliogr.
dc.description.financepublication_nocost
dc.description.financecost0,00
dc.description.number4
dc.description.points70
dc.description.versionfinal_published
dc.description.volume25
dc.identifier.doi10.5604/01.3001.0053.9505
dc.identifier.eissn2657-7828
dc.identifier.issn2657-781X
dc.identifier.urihttps://sciencerep.up.poznan.pl/handle/item/4825
dc.identifier.weblinkhttps://rnseria.com/article/539505/pl
dc.languagepl
dc.language.otheren
dc.relation.ispartofAnnals of the Polish Association of Agricultural and Agribusiness Economists
dc.relation.pages391 - 405
dc.rightsCC-BY
dc.sciencecloudsend
dc.share.typeOPEN_JOURNAL
dc.subject.enlife insurance
dc.subject.enpropensity to buy insurance
dc.subject.endeterminants of insurance purchase
dc.subject.enpandemic
dc.subject.enPoland
dc.subject.plubezpieczenia na życie
dc.subject.plzakup ubezpieczeń
dc.subject.plczynniki determinujące skłonność do ubezpieczenia
dc.subject.plpandemia
dc.subject.plPolska
dc.titleWybrane determinanty zakupu ubezpieczeń na życie w opinii respondentów
dc.title.alternativeSelected determinants of life insurance purchase according to respondents
dc.typeJournalArticle
dspace.entity.typePublication
oaire.citation.issue4
oaire.citation.volumeXXV