Scholarlink

<p>We study the impact of the first wave of the Covid-19 pandemic on the demand for risk life insurance in Finland. Using individual data, we predict new purchases of term life insurances by indicators of pandemic risks. Results show that a 1% increase in policy uptake corresponds to a 10% increase in the severity of Covid-19 risk measures. Notably, individuals with higher education and substantial life insurance gaps exhibited a more pronounced reaction to the Covid-19 pandemic than other groups. The unchanged pricing of insurance policies allowed us to isolate the impact of higher risks.</p>

错误：搜索内容不能为空，请输入英文关键词
错误：关键词超出字数限制，请精简
高级检索

More aware, but still halfway there life insurance response to Covid-19 in Finland

  • 期刊论文

  • 发表日期：

    2026年7月21日

查看全文
  • Tero Kuusi,
  • Olli Ropponen,
  • Tarmo Valkonen

摘要

We study the impact of the first wave of the Covid-19 pandemic on the demand for risk life insurance in Finland. Using individual data, we predict new purchases of term life insurances by indicators of pandemic risks. Results show that a 1% increase in policy uptake corresponds to a 10% increase in the severity of Covid-19 risk measures. Notably, individuals with higher education and substantial life insurance gaps exhibited a more pronounced reaction to the Covid-19 pandemic than other groups. The unchanged pricing of insurance policies allowed us to isolate the impact of higher risks.