Öz
This study, it is aimed to examine the effects of geopolitical risks and economic growth on life insurance premiums per capita in Turkey. In addition, the situation of life insurance in Turkey both at the global level and among other branches has been tried to be revealed. The study evaluated the life insurance premium per capita as the dependent variable, geopolitical risks, and economic growth as the independent variables. The cointegration relationship between the variables was investigated with the ARDL (Autoregressive Distributed Lag) Bound Testing Approach. Annual data for the years 1987-2019 were used in the study. According to the study’s empirical results, it was seen that the independent variables had a statistically significant effect on the dependent variable in the long run. Therefore, the rise in Turkey’s geopolitical risks causes a decrease in Turkey’s per capita life insurance premiums in the long run. This negative effect of the increase in geopolitical risks on life insurance can indicate that life insurance is seen as a secondary need in Turkey. In addition, according to another empirical result of the study, economic growth positively affects per capita life insurance premiums. In this context, it has been concluded that the growth in Turkey’s GDP, which is considered an indicator of economic growth, increases the per capita life insurance premiums in the long run.