Consumo de seguros das famílias com estudantes no Centro de Ciências Sociais Aplicadas: evidência empírica

Abstract

This study aims to analyze insurance consumption among families that include students from the Center for Applied Social Sciences (CCSA/UFPB), based on sample characterization, identification of consumption patterns, and analysis of factors associated with the acquisition of insurance products within the family context. The research is classified as applied, with a quantitative approach and descriptive and exploratory objectives, using primary data collected through a structured questionnaire applied to 135 respondents. The data were treated, standardized, and analyzed using descriptive statistics and hypothesis testing for comparison of proportions. The results indicate that approximately 55% of the analyzed families hold some type of insurance, with predominance of life and non-life insurance lines. Economic and functional factors—especially price, coverage, and payment conditions—were the most frequently selected determinants in the decision-making process. Socioeconomic analysis showed an association between family income and insurance consumption, with higher participation observed in higher income groups. Additionally, there was a predominance of moderate risk profiles and heterogeneity in satisfaction and recommendation levels, with responses concentrated around intermediate points on the scales. Regarding group comparison, statistical tests indicated no significant difference in insurance consumption between families with Actuarial Science students and those associated with other CCSA programs. Therefore, actuarial training did not present itself as a differentiating factor in insurance consumption within the analyzed family context. This study contributes by empirically highlighting the complexity of insurance consumption determinants, emphasizing the relevance of socioeconomic factors in the decision-making process. Limitations include the non-probabilistic nature of the sample, reduced sample size in certain analytical subsets, and the presence of missing data. Future research should consider multivariate statistical models and expanded samples to further investigate the factors associated with consumption behavior.