Resumo

ARIAS CIRO, Juliana  e  GONZALEZ URIBE, Gabriel Jaime. Determinants of the probability of access to insurance in Colombia. Contad. Adm [online]. 2021, vol.66, n.4, e2891.  Epub 02-Set-2024. ISSN 0186-1042.  https://doi.org/10.22201/fca.24488410e.2022.2891.

This study offers empirical evidence about the deciding factors of the insurance access in Colombia, which is actually included on the national financial inclusion policies recommended by AFI, using as a primary input the Inclusion Insurance Survey made by the government through Banca de las Oportunidades, Superintendencia Financiera and Fasecolda. Among the main results reached are: the mandatory insurance access probability, credit induced or not, is more significant for men. It is increased according to household size, economic status, and age, but not in a linear function. It also increases when people are both working and studying or are only studying, as well as when they have savings, credit, their own house, business or company, or technical, technological, or postgraduate studies.

Palavras-chave : Financial exclusion; Financial inclusion; Insurance; Probabilistic models.

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