The demand for life insurance: a quantitative study among “generation y” in the Klang Valley, Malaysia
Resumo
Apesar da importância do seguro de vida como um investimento para nos protegermos, muitos de nós, especialmente a geração mais jovem, ainda não tem consciência da importância de subscrever um seguro de vida. Por conseguinte, o objetivo deste estudo foi investigar os factores relacionados com a procura de seguros de vida pela "Geração Y" em Klang Valley, na Malásia. Utilizando um método de amostragem intencional, participaram neste estudo um total de 320 inquiridos de Klang Valley, na Malásia. Todos os dados recolhidos foram tabulados e analisados com recurso ao software SPSS, através de análise descritiva, teste t de amostras independentes, ANOVA unidirecional, análise de correlação de Pearson e análise de regressão linear múltipla. Os resultados mostraram que existe um nível moderadamente significativo de procura de seguros de vida entre a "Geração Y". Foram encontradas diferenças significativas na procura de seguros de vida por género, grupo etário, rendimento mensal e nível de escolaridade. Além disso, foram encontradas relações significativas entre o nível de rendimentos, o conhecimento dos seguros de vida, a proteção dos rendimentos, a atitude face ao risco e a procura de seguros de vida. Além disso, a atitude face ao risco, o nível de rendimentos, o conhecimento do seguro de vida e a proteção dos rendimentos foram factores de previsão da procura de seguros de vida.
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