University of Tokyo

Abstract
Survey Number 0025
Survey Title Survey on Life Protection, 1993
Depositor Japan Institute of Life Insurance
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Period of Data Use Permission One year
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Summary Under such socio-economic environmental conditions as the recession after the "bubble" economy, deregulation and other economic restructuring processes, aging, diversification of values/ideas about life, individualization of life-styles, and consumers' enriched knowledge and sharpened eye for choice, the role of life insurance which provides comprehensive security of life and services is expected to become more and more important. Since 1987, the Japan Institute of Life Insurance has conducted a yearly survey entitled "Security of Life and Life Insurance," and this survey is part of our continued effort to grasp changes in the view of security of life and in the actual state of security preparation as indicated, for example, by the level of life insurance coverage. The survey series is intended to capture such changes by chronologically assessing insurance-related consciousness and realities. Before we conducted the 1993 survey, however, we made a mid-decade review, and added "life planning" and "economnic life" as new areas of survey as well as "security of nursing care" as a new type of guarantee (to the conventional fields of medicine, old age, and death). Matters surveyed include: (1) the consciousness and reality of life planning and issues, and the consciousness in economic life; and (2) the consciousness about security of life (in medicine, old age, and death), and the state of life insurance coverage and other security preparation measures.
Universe Male and female individuals aged between 18 and 69.
Unit of Observation Individual
Sample Size 4,362 effective responses from a sample of 6,000 such individuals (Rate of effective return: 72.7%)
Time Period May 28- June 27, 1993
Spatial Unit All over Japan (400 localities)
Sampling Procedure Stratified two-stage random sampling
Mode of Data Collection Face-to-face interview system (partially combined with record system, for questions seeking the state of life insurance coverage)
Investigator Japan Institute of Life Insurance The field work was performed by Chuo Chosasha.
Sponsors (Funds)
Related Publications (by the Investigator) Japan Institute of Life Insurance (March, 1994) Heisei 5-nendo seikatsu hosho ni kansuru chosa [The 1993 Survey on Individual Life and Life Insurance]
Related Publications (based on Secondary Analysis) List of related publications (based on Secondary Analysis)
Documentation [Chosa-hyo]
Major Survey Items Demographic items:
Sex, age, occupation, size of firm's workforce, education; annual income, marital status, children, children's life stage, living arrangements, spouse's occupation, annual household income, type of dwelling and housing loan obligations, and financial assets (excluding real estate).
Questionnaire items
[Life planning[ Oriented to future or present?; availability of life plan and age; discussion on life planning; life events to encounter as life issues; life issues other than life events; economic preparation for life issues; and important life resources.
[Economic life[ Oriented toward savings or consumption?; purposeful savings; consciousness on loan use; sensitivity to interest rates; level of interest in new financial products; attitudes toward conversion of financial products; areas of interest in economic information; and sources of economic information.
[Consciousness of security of life[ Worry about current life; worry about health; consciousness of self-help efforts for security of life; centrality of life insurance v.s. savings; and amount of payment v.s. amount of insurance.
[Medical security[ Customs for health maintenance; view of public medical insurance; individually paid medical expenses (annual amount); state of private preparation; purpose of private preparation; feeling of sufficiency; amount of hospitalization benefits necessary per day; intention for further preparation; and flat-rate v.s. non-average policy.
[Security of senior life[ Financial support of parents; financial independence from children; view of public pension; living standard and minimum living expenses after aging; amount of money added for comfort and its use; state of private preparation; age for starting preparation of old-age funds and age for starting to use the funds; feeling of sufficiency; and intention for further preparation.
[Security of nursing care[ Respondent's and his/her family members' experience of care; worry when cared; view of place of care for R. and parents; state of private preparation; feeling of sufficiency; intention for further preparation; and benefits in kind v.s. benefits in cash.
[Security after death[ Consciousness of security for surviving family; conception of life insurance as mutual support; view of public death security; state of private preparation; purpose of private preparation; feeling of sufficiency; amount of necessary insurance money; intention for further preparation; policy with no refund payment v.s. savings policy; and fixed-rate v.s. variable insurance.
[Security of life and life insurance[ Top-priority area for preparation; second-priority area for preparation; opportunity for beginning preparation and revision; functional evaluation of life insurance products; number of policies held; reasons for holding life insurance and private pension insurance policies; affordable annual amount of premiums; year of recent policy purchase, its route, purpose, and motivation; frequency of contact with private insurance sales staff; past visits to the counter; experience of cancellation, conversion, and invalidation of private insurance; and knowledge of and intention to use premium deduction system.
[State of coverage as reported[ Insurer; type; insurance money for ordinary death; annual amount of premiums paid; and daily amount of hospitalization-for-sickness benefits.
Date of Release 1998/04/01
Version Registered on April 1, 1998.
Topics Social Security/Welfare
Notes for Users Data Sets are written in Japanese.