Conceptual Model of Relationships among Customer Perceptions of Components of Insurance Service

Alhabeeb, M.J. 2002. Perceived product quality, purchase value, and price. Academies International Conference. Academy of Marketing Studies 7 (1): 9-14.Search in Google Scholar

Anderson, J., Gerbing, D.W. 1988. Structural equation modeling in practice: a review and recommended two Babin, B.J., Darden, W.R., Griffin, M. 1994. Work and/or fun? Measuring hedonic and utilitarian shopping value. Journal of Consumer Research 20 (March): 644-656.Search in Google Scholar

Benazić, D. 2006. Interdependence of life insurance service quality and premium. Tržište 18 (1-2): 67-80.10.1086/498838Search in Google Scholar

Beneke, Đ., Flynn, R., Greig, T., Mukaiwa, M. 2013. The influence of perceived product quality, relative price and risk on customer value and willingness to buy: a study of private label merchandise. Journal of Product & Brand Management 22 (3): 218-228.10.1108/JPBM-02-2013-0262Search in Google Scholar

Bentler, P.M. 1990. Comparative fit indexes in structural models. Psychological Bulletin 107 (2): 238-246.10.1037/0033-2909.107.2.238Search in Google Scholar

Bollen, K.A. 1989. Structural Equations with Latent Variables. Wiley-Interscience Publication.10.1002/9781118619179Search in Google Scholar

Byrne, B.M. 2001. Structural Equation Modeling with AMOS. Basic Concepts, Applications and Programming. New Jersey: Lawrence Erlbaum Associates.Search in Google Scholar

Campbell, D.T. 1960. Recommendations for APA test standards regarding construct, trait, or discriminant validity. American Psychologist 15 (8): 546-553.10.1037/h0048255Search in Google Scholar

Chandon, P., Wansink, B., Laurent, G. 2000. A benefit congruency framework of sales promotion effectiveness. Journal of Marketing 64 (4): 65-81.10.1509/jmkg.64.4.65.18071Search in Google Scholar

Chapman, J., Wahlers, R. 1999. A revision and empirical test of the extended price-perceived quality model. Journal of Marketing Theory and Practice 7 (3), 53-64.Search in Google Scholar

Chen, P.-E., Lee, C.-C., Lee, C.-F. 2011. How does the development of the life insurance market affect economic growth? Journal of International Development 27 (7): 865-893.10.1002/jid.1765Search in Google Scholar

Chen, H.G., Liu, J.Y.C., Sheu, T.S., Yang, M.H. 2012. The impact of financial services quality and fairness on customer satisfaction. Managing Service Quality 22 (4): 399-421.10.1108/09604521211253496Search in Google Scholar

Chi, T., Kilduff, P.P.D. 2011. Understanding consumer perceived value of casual sportswear: An empirical study. Journal of Retailing and Consumer Services 18 (5): 422-429.10.1016/j.jretconser.2011.06.004Search in Google Scholar

Costa-Font, J., Garcia, J. 2003. Demand For Private Health Insurance: How Important Is The Quality Gap?. Health Economics 12 (7): 587-599.10.1002/hec.756Search in Google Scholar

Crews, T. 2010. Fundamentals of Insurance. South-Western Cengage Learning: Mason.Search in Google Scholar

Cronbach, L.J. 1951. Coefficient alpha and the internal structure of tests. Psychometrika 16 (3): 297-334.10.1007/BF02310555Search in Google Scholar

Cummins, J.D.,Doherty, N.A. 2006. The Economics of Insurance Intermediaries. Journal of Risk and Insurance 73 (3): 359-396.10.1111/j.1539-6975.2006.00180.xSearch in Google Scholar

Darke, P.R., Chung, C.M.Y. 2005. Effects of pricing and promotion on consumer perceptions: it depends on how you frame it. Journal of Retailing 81 (1): 35-47.10.1016/j.jretai.2005.01.002Search in Google Scholar

DelVecchio, D., Puligadda. S. 2012. The effects of lower prices on perceptions of brand quality: a choice task perspective. Journal of Product & Brand management 21 (6): 465-474.10.1108/10610421211264946Search in Google Scholar

Dunn, S.C., Seaker, R.F., Waller, M.A. 1994. Latent variables in business logistics research: scale development and validation. Journal of Business Logistics 15 (2): 145-172.Search in Google Scholar

Eckardt, M., Rathke-Doppner, S. 2010. The Quality of Insurance Intermediary Services-Empirical Evidence for Germany. Journal of Risk and Insurance 77 (3): 667-701.10.1111/j.1539-6975.2010.01361.xSearch in Google Scholar

Eling, M., Schmeiserb, H. 2010. Special Issue on the Credit Crisis and Insurance. The Geneva Papers 35: 9-34.10.1057/gpp.2009.39Search in Google Scholar

Flis, S. 1999. Zbrani spisi o zavarovanju, Slovensko zavarovalno združenje. GIZ: Ljubljana.Search in Google Scholar

Fornell, C., Lacker, D.F., 1981. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research 18 (1): 39-50.10.1177/002224378101800104Search in Google Scholar

Ganguli, S., Roy, S.K. 2010. Service quality dimensions of hybrid services. Managing Service Quality 20 (5): 404-424.10.1108/09604521011073713Search in Google Scholar

Gayathri, H., Vinaya, M.C., Lakshmisha, K. 2006. A pilot study on the service quality of insurance companies. Journal of Services Research 5 (2): 123-138.Search in Google Scholar

Gera, R. 2011. Modelling the service antecedents of favourable and unfavourable behaviour intentions in life insurance services in India: An SEM study. International Journal of Quality and Service Sciences 3 (2): 225-242.10.1108/17566691111146113Search in Google Scholar

Gronroos, C. 1984. A service quality model and its marketing implications. European Journal of Marketing 18 (4): 36-44.10.1108/EUM0000000004784Search in Google Scholar

Gulati, N.C. 2007. Principles of insurance management. Excel Books: New Delhi.Search in Google Scholar

Hair, J.F., Anderson, R.E., Tatham, R.L., Black, W.C. 1998. Multivariate Data Analysis with Readings, 5th ed. New York: Prentice-Hall International, Englewood Cliffs.Search in Google Scholar

Hair, J.F., Black, W.C., Babin, B.J., Anderson, R.E. 2010. Multivariate data analysis. New Jersey: Prentice Hall.Search in Google Scholar

Harmon, S.K., Hill, C.J. 2003. Gender and coupon use. Journal of Product & Brand management 12 (3): 166-179.10.1108/10610420310476924Search in Google Scholar

Harris, L.C., Goode, M.M.H. 2004. The four levels of loyalty and the pivotal role of trust: a study of online service dynamics. Journal of Retailing 80 (2): 139-158.10.1016/j.jretai.2004.04.002Search in Google Scholar

Hirschman, E.G., Holbrook, M.B. 1982. Hedonic consumption: emerging concepts, methods and propositions. Journal of Marketing 46 (3): 92-101.10.1177/002224298204600314Search in Google Scholar

Hoxmeier, J.A., Nie, W., Purvis, G.T. 2000. The impact of gender and experience on user confidence in electronic mail. Journal of End User Computing 12 (4): 11-21.10.4018/joeuc.2000100102Search in Google Scholar

Hussels, S., Ward, D., Zurbruegg, R. 2005. Stimulating the Demand for Insurance. Risk Management and Insurance Review 8 (2): 257-278.10.1111/j.1540-6296.2005.00059.xSearch in Google Scholar

Jamal, A., Peattie, S., Peattie, K. 2012. Ethnic minority consumers’ responses to sales promotions in the packaged food market. Journal of Retailing and Consumer Services 19 (1): 98-108.10.1016/j.jretconser.2011.10.001Search in Google Scholar

Joreskog, K.G., Sorbom, D. 2002. LISREL 8: structural equation modeling with the SIMPLIS command language.Search in Google Scholar

Lincolnwood: Scientific Software International. Kramaric, T.P., Galetic, F. 2013. The Role of the Overall Economic Development on the Insurance Market Growth-Evidence of the European Union. Journal of Applied Finance and Banking 3 (3): 157-168.Search in Google Scholar

Kumar, V., Madan, V., Srinivasan, S.S. 2004. Price discounts or coupon promotions: does it matter? Journal of Business Research 57 (9): 933-941.10.1016/S0148-2963(02)00489-7Search in Google Scholar

Kumar, R., Singh, M. 2010. Using SERVQUAL Model for Comparative Service Quality Analysis of the Indian Nonlife Insurance Sector. Paradigm (14) 2: 1-19.10.1177/0971890720100207Search in Google Scholar

Laroche, M., Pons, F., Zgolli, N., Cervellon, M.-C., Kim C. 2001. Consumers use of price promotions: a model and its potential moderators. Journal of Retailing and Consumer Services 8 (5): 251-260.10.1016/S0969-6989(00)00031-XSearch in Google Scholar

Laroche, M., Pons, F., Zgolli, N., Cervellon, M.-C., Kim, C. 2003. A model of consumer response to two retail sales promotion, techniques. Journal of Business Research 56 (7): 513-522.10.1016/S0148-2963(01)00249-1Search in Google Scholar

Lovelock, C., Wright, L. 2002. Principles of service marketing and management. Prentice Hall: Upper Saddle River.Search in Google Scholar

Matzler, K., Wurtele, A., Renzl, B. 2006. Dimensions of price satisfaction: a study in the retail banking industry. International Journal of Bank Marketing 24 (4): 216-231.10.1108/02652320610671324Search in Google Scholar

Nunnally, J. C. 1978. Psychometric Theory. Mc-Graw-Hill Book Company: New York.Search in Google Scholar

Nusair, K., Yoon, H.J., Naipaul, S., Parsa, H.G. 2010. Effect of price discount frames and levels on consumers’ perceptions in low-end service industries. International Journal of Contemporary Hospitality Management 22 (6): 814-835.10.1108/09596111011063106Search in Google Scholar

Parasuramanom, A., Zeithaml, V., Berry, L. 1985. A Conceptual Model of Service Quality and Its Implications for Future Research. Journal of Marketing 49 (4): 35-48.Search in Google Scholar

Parasuramanom, A., Zeithaml, V., Berry, L. 1988. SERVQUAL: A Multiple Item Scale for Measuring Consumer Perceptions of Service Quality. Journal of Retailing 64 (1): 12-40.Search in Google Scholar

Rao, A., Monroe, K.B. 1988. The moderating effect of prior knowledge on cue utilizations in product evaluations. Journal of Consumer Research 19 (2): 253-264.10.1086/209162Search in Google Scholar

Sandhu, H.S., Bala, N. 2011. Customers’ Perception towards Service Quality of Life Insurance Corporation of India: A Factor Analytic Approach. International Journal of Business and Social Science 2 (18): 219-231.Search in Google Scholar

Sanjeev, A., Kenneth, T.R. 2002. Cross-national applicability of a perceived quality model. The Journal of Product and Brand Management 11 (4/5): 213-236.10.1108/10610420210435425Search in Google Scholar

Schumacker, R.E., Lomax, R.G. 2004. A beginner’s guide to structural equation modeling. London: L. Erlbaum.10.4324/9781410610904Search in Google Scholar

SIA - Slovenian Insurance Association. Statistical Insurance Bulletin 2009. 2009. Retrieved January 17, 2015 from http://www.zav-zdruzenje.si/wp-content/uploads/2012/11/Statisticni-zavarovalniski-bilten-2009.pdf.Search in Google Scholar

SIA - Slovenian Insurance Association. Statistical Insurance Bulletin 2013. 2013. Retrieved August 21, 2013 from http://www.zav-zdruzenje.si/portfolio/statisticni-zavarovalniski-bilten-2013/.Search in Google Scholar

SIA - Slovenian Insurance Association. Statistical Insurance Bulletin 2014. 2014. Retrieved January 19, 2015 from http://www.zav-zdruzenje.si/wp-content/uploads/2014/07/Statisticni-zavarovalniski-bilten-2014.pdf.Search in Google Scholar

Siddiqui, M.H., Sharma, T.G. 2010. Measuring the Customer Perceived Service Quality for Life Insurance Services: An Empirical Investigation. International Business Research 3 (3): 171-186.10.5539/ibr.v3n3p171Search in Google Scholar

Šebjan, U., Bastič, M. 2013. Service Components and Their Importance in Health Insurance Changes. Naše gospodarstvo 59 (3-4): 14-25.10.7549/ourecon.2013.3-4.02Search in Google Scholar

Tsao, Y.-C., Sheen, G.-J. 2012. Effects of promotion cost sharing policy with the sales learning curve on supply chain coordination. Computers & Operations Research 39 (8): 1872-1878.10.1016/j.cor.2011.07.009Search in Google Scholar

Ulbinaite, A., Kucinskiene, M. 2013. Insurance service purchase decision-making rationale: expert-based evidence from Lithuania. Ekonomika 9 (2): 137-155.10.15388/Ekon.2013.0.1409Search in Google Scholar

Vaughan, E.J., Vaughan, T.M. 2008. Fundamentals of Risk and Insurance. John Wiley & Sons: Hoboken. de Vaus, D.A. 1995. Surveys in Social Research, 4th ed. Allen and Unwin Pty Ltd: Sydney.Search in Google Scholar

Verma, H.V. 2012. Services Marketing. New Delhi: Person Education.Search in Google Scholar

Walker, J., Baker, J. 2000. An exploratory study of a multiexpectation framework for services. Journal of Services Marketing 14 (5): 411-431.10.1108/08876040010340946Search in Google Scholar

Walsh, G., Shiu, E., Hassan, L.M. 2013. Replicating, validating, and reducing the length of the consumer perceived value scale. Journal of Business Research 31 May: 1-8.Search in Google Scholar

Ward, D., Zurbruegg, R. 2000. Does Insurance Promote Economic Growth? Evidence from OECD Countries. The Journal of Risk and Insurance 67 (4): 489-507.10.2307/253847Search in Google Scholar

Weng, J.T., de Run, E.C. 2013. Consumers’ personal values and sales promotion preferences effect on behavioural intention and purchase satisfaction for consumer product. Asia Pacific Journal of Marketing and Logistics 25 (1): 70-101.10.1108/13555851311290948Search in Google Scholar

Williams, C.A., Smith, M.L., Young, P.C. 1998. Risk Management and Insurance. Boston: Irwin/McGraw-Hill.Search in Google Scholar

Yoo, D.K., Park, J.A. 2007. Perceived service quality. Analyzing relationships among employees, customers, and financial performance. International Journal of Quality & Reliability Management 24 (9): 908-926.10.1108/02656710710826180Search in Google Scholar

Zeithaml, V.A., Bitner, M. 2000. Service Marketing. McGraw- Hill: New York.Search in Google Scholar

Zweifel, P., Eisen, R. 2012. Insurance Economics. Springer: Berlin. 10.1007/978-3-642-20548-4Search in Google Scholar