The way in which insurance companies protect individuals is reflected at the level of the whole society. The more developed a society, the better it is protected – through insurance – against the various dangers its members are exposed to. Ethical, socially responsible behavior is not only...

The world is in a state of uncertainty; it may be an economic, social, political, moral, military, cultural, religious crisis… The international entities such as the International Monetary Fund, the European Financial Stability Facility, United Nations Organization, etc. collaborate for...

In the insurance industry there is a new way of thinking which determined the passage from transactional marketing to a holistic marketing concept. In this paper five key elements of holistic marketing are presented: relationship marketing, integrated mar

For understanding insurance services’ consumer behavior, it is necessary to study the particularities of the decision-making process on the insurance market. This paper aims to present the main characteristics of the different stages of the decision-making process: from those that precede...

There are various methods of evaluating and forecasting the evolution of a market, each method having advantages and disadvantages. In this paper we shall present and exemplify on the case of the Romanian insurance market some statistical methods: average growth method, linear trend method and...

For understanding insurance services’ consumer behavior, it is necessary to study the influence of different endogenous and exogenous factors on the insurance services’ consumer behavior. The researchers must analyze the decision-making processes from those that precede the purchase of...

The insurance services’ consumer behavior is influenced by a series of factors, which can be divided, function of their nature, in endogenous and exogenous factors. The potential insurance client’s behavior is influenced by the following main categories of exogenous factors: situational...