التكامل الاقتصادي
Volume 13, Numéro 4, Pages 53-70
2025-12-31
Empirical Study Of The Determinants Of Life Insurance Demand In Algeria
Authors : Ziani Lila . Ziani Zoulikha .
Abstract
This article seeks to determine the factors influencing life insurance demand in Algeria using the ARDL model for the period 1990-2022. Our empirical investigation reveals that GDP has a positive impact on life insurance demand in both the short and long term. Furthermore, we find that the "share of social security expenditure in health expenditure" and the level of financial development are significant but negatively correlated with life insurance demand. In contrast, the old-age dependency ratio and the university-level education rate do not show a significant effect on life insurance demand in either the short or long term.
Keywords
Life Insurance Demand ; Insurance Density ; Determinants ; ARDL ; Algeria
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