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- W2255765804 abstract "Insurance market development is often measured in terms of penetration which may depend on the prevailing demographics like life expectancy, fertility rate, income distribution and dependency ratios. Many of these demographics emerge as cohorts to savings and insurance behaviors. The matured economies are configuring development in terms of longevity risks as compared with developing economies that faces higher dependency ratios, lower life expectancy and high fertility rates and active young population but with high unemployment, morbidity rate, mortality rate poor Gini co-efficient. This paper adds to the literature on the implications of emerging demographics on Nigeria’s insurance market development debacle. Using multiple regression technique, the level of causal relationship of insurance market development is tested on mortality rate, fertility rate, dependency ratio, unemployment rate, and Gini co-efficient. It is found out that insurance market development in both life and general insurance sectors is significantly negative to the explanatory variables. The study suggests that policy on health and education expenditure should be increased to mitigate high morbidity and mortality risks as well as generating employment opportunities in other to sustain savings and insurance culture." @default.
- W2255765804 created "2016-06-24" @default.
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- W2255765804 date "2015-12-23" @default.
- W2255765804 modified "2023-09-23" @default.
- W2255765804 title "Demographics and Insurance Market Development in Nigeria" @default.
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- W2255765804 doi "https://doi.org/10.14666/2194-7759-4-2-007" @default.
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