Purchasing insurance – the roles of individual differences in time perspectives and regulatory foci

IF 3.6 4区心理学 Q1 PSYCHOLOGY, MULTIDISCIPLINARY

Australian Journal of Psychology Pub Date : 2021-03-25 DOI:10.1080/00049530.2021.1898915

Katarzyna Sekścińska, K. Iwanicka

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引用次数: 2

Abstract

ABSTRACT Objective The present studies focused on the role of time perspectives (TPs) and regulatory foci (promotion and prevention) in explaining people’s purchases of car, accident, home, life, and travel insurance. Method Two correlational studies on nationwide Polish samples (N = 1,093 and N = 1,047) were conducted. Results The first study showed that, after controlling for age and sex, higher levels of Future TP and lower levels of Past Negative TP were related to the propensity to make voluntary purchases of car, life, home, and accident insurance. Higher levels of Present Hedonistic TP and lower levels of Present Fatalistic TP were related to the propensity to buy travel insurance. The second study identified significant positive roles of both promotion and prevention regulatory foci in explaining people’s possession of all five types of insurance considered. Conclusions TPs (mainly Future and Past Negative) and regulatory foci (promotion and prevention) seem to be important in explaining people’s insurance-related behaviours. KEY POINTS What is already known about the topic? Insurance decisions are influenced by many psychological variables, e.g., social norms, previous personal experience, emotions and cognitive biases and heuristics Future time oriented individuals focus on future consequences of today decisions and have a greater propensity to save and to invest money Prevention focused individuals try to avoid the negative consequences of unexpected event, so they prefer to invest in financial tools which are characterized by minimal risk What this topic adds? People declaring possession of car, life, home and accident insurance policies were characterized by lower levels of past negative TP and higher levels of future TP than those not possessing such policies Individuals declaring possession of all types of insurance (life, accident, car, home, and travel) were more prevention oriented than those not having such insurance Individuals declaring possession of all types of insurance (life, accident, car, home, and travel) were more promotion oriented than those not having such insurance

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购买保险——时间视角和监管焦点中个体差异的作用

摘要目的本研究的重点是时间视角（TP）和监管焦点（促进和预防）在解释人们购买汽车、事故、住房、人寿和旅行保险方面的作用。方法对波兰全国样本（N=1093和N=1047）进行两项相关研究。结果第一项研究表明，在控制年龄和性别后，较高水平的未来TP和较低水平的过去负TP与自愿购买汽车、人寿、住房和意外保险的倾向有关。较高水平的当前享乐主义TP和较低水平的当前宿命论TP与购买旅行保险的倾向有关。第二项研究确定了促进和预防监管重点在解释人们拥有所考虑的所有五种保险方面的重要积极作用。结论TP（主要是未来和过去的阴性）和监管重点（促进和预防）似乎在解释人们的保险相关行为方面很重要。关键点关于这个话题已经知道了什么？保险决策受到许多心理变量的影响，例如社会规范、以前的个人经历、情绪和认知偏见以及启发法。未来的时间导向型个人关注今天决策的未来后果，更倾向于储蓄和投资，所以他们更喜欢投资风险最小的金融工具。这个话题补充了什么？人们宣称拥有汽车、生命、，家庭保险和意外保险的特点是，与没有此类保险的人相比，过去的负TP水平较低，未来的TP水平较高。个人申报拥有所有类型的保险（人寿、意外、汽车、家庭和旅行）比没有此类保险的人更注重预防（生活、事故、汽车、家庭和旅行）比那些没有此类保险的人更注重晋升

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来源期刊

Australian Journal of Psychology PSYCHOLOGY, MULTIDISCIPLINARY-

CiteScore

5.50

自引率

0.00%

发文量

期刊介绍： Australian Journal of Psychology is the premier scientific journal of the Australian Psychological Society. It covers the entire spectrum of psychological research and receives articles on all topics within the broad scope of the discipline. The journal publishes high quality peer-reviewed articles with reviewers and associate editors providing detailed assistance to authors to reach publication. The journal publishes reports of experimental and survey studies, including reports of qualitative investigations, on pure and applied topics in the field of psychology. Articles on clinical psychology or on the professional concerns of applied psychology should be submitted to our sister journals, Australian Psychologist or Clinical Psychologist. The journal publishes occasional reviews of specific topics, theoretical pieces and commentaries on methodological issues. There are also solicited book reviews and comments Annual special issues devoted to a single topic, and guest edited by a specialist editor, are published. The journal regards itself as international in vision and will accept submissions from psychologists in all countries.