The empirical analysis on Demand Factors of China's Life Insurance

Since the nation for the restoration of life insurance, life insurance industry has achieved great development and life insurance premium is growing rapidly, but not everything is going smoothly. During the development process, there has been some volatility and shock. In this paper, using the Eviews statistics software, select the relevant data of 1991-2012, using empirical method of multiple regression analysis of the per capita disposable income of residents, inflation, Shanghai Composite Index and mortality and so on. The results showed that, the life insurance premium and the per capita disposable income of residents, the mortality rate and child dependency ratio is positively correlated. The other four factors on the life insurance premium is not significant.