PREFERENCJE GOSPODARSTW DOMOWYCH I FIRM W ZAKRESIE ZAKUPU UBEZPIECZEŃ EMERYTALNYCH
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Date
1999
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Wydział Prawa i Administracji UAM
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PREFERENCES OF HOUSEHOLDS AND FIRMS IN PURCHASING RETIRING INSURANCES
Abstract
During the researched period of the two last years:
- in the opinion of persons managing household budgets the most important element of a retiring
insurance is the credibility of a given insurance company and the amount of insurance
premium (45 per cent). It is to be noted the growing importance of the premium amount and
of the fact after how many years the pension should be available. Decreasing is the role of
anti-inflationary measures and of the range of a given an insurance. Relatively least importance
is still attached to a possibility of depositing an insurance in quality of a pawn in
a bank. The same - for the manner of payment of retirement pension and for the frequency of
insurance rate;
- reliability of the insurer is being stressed more often by the professionals, persons from higher
income households or those who claim their wealth level being high (55-65 per cent). The
insurance premium amount is of bigger importance for the elderly, the less educated, the
unpropertied and the pessimists;
- percentage of those who are interested in possessing their private pension for retired has
recently increased. However, relatively few persons do possess such an insurance (every tenth
person) despite enough financial means for that aim. Relatively large group of the undecided
has been separated (up to 15 per cent). A wish of possessing private retirement pension is thebigger the higher is education level of a person, the bigger are the wealth and income level of
the household;
average amount of the declared insurance rate is 118 PLN monthly. This sum increases together
with education level and earnings of particular members of a household;
interest the firms have in possessing a group insurance passed with an investment fund is
now expressively bigger. An intention to start such a kind of insurance is being expressed by
every third firm and almost every tenth is already in possession of it.
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Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny 61, 1999, z. 2, s. 219-230.