ManuScript Details
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Paper Id:
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IJARW3198
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Title:
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FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION
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| Published in: |
International Journal Of All Research Writings |
| Publisher: |
IJARW |
| ISSN: |
2582-1008 |
| Volume / Issue: |
Volume 8 Issue 3 |
| Pages: |
14
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| Published On: |
9/10/2026 5:03:55 AM (MM/dd/yyyy) |
Main Author Details
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Name:
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Hong Nhung Nguyen |
| Institute: |
Academy of Finance, Ha Noi, Viet Nam |
Co - Author Details
| Author Name |
Author Institute |
| Hai Phong Dinh Thi |
Academy of Finance, Ha Noi, Viet Nam |
Abstract
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Research Area:
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Economics |
| KeyWord: |
investment-linked insurance products; participation intention; participation decision; risk–return tradeoff perception; social influence; PLS-SEM. |
| Abstract: |
This study examines the factors influencing consumers’ intentions and decisions to participate in investment-linked insurance products (ILPs) within an extended TRA/TPB framework. Data were collected from 344 valid responses and analyzed using partial least squares structural equation modeling (PLS-SEM). The findings show that perceived benefits, perceived risk, fund performance expectations, risk–return tradeoff perception, product flexibility, and social influence positively influence participation intention, with social influence exerting the strongest effect. Participation intention, in turn, strongly influences participation decisions. The study highlights that ILP participation is shaped by a combination of protection-, investment-, product-, and social-related considerations. It further contributes to the literature by emphasizing risk–return tradeoff perception as a distinct consumer evaluation and by extending the analysis beyond participation intention to its subsequent effect on participation decisions. |
Citations
Copy and paste a formatted citation or use one of the links to import into a bibliography manager and reference.
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IEEE
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Hong Nhung Nguyen, Hai Phong Dinh Thi, "FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION", International Journal Of All Research Writings,
vol. 8, no. 3, pp. 14-27, 2026.
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MLA
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Hong Nhung Nguyen, Hai Phong Dinh Thi "FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION." International Journal Of All Research Writings,
vol 8, no. 3, 2026, pp. 14-27.
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APA
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Hong Nhung Nguyen, Hai Phong Dinh Thi (2026). FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION. International Journal Of All Research Writings,
8(3), 14-27.
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FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION
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FACTORS INFLUENCING CONSUMERS’ PARTICIPATION IN INVESTMENT-LINKED INSURANCE PRODUCTS: FROM INTENTION TO DECISION
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