The Effect of AI Literacy on Insurance Enrollment and Choice Attributes in the Age of ASI

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Key Points

This study aims to analyze the impact of AI literacy on insurance enrollment and choice attributes among consumers in the age of ASI.
Combined age-specific private insurance enrollment rates and AI utilization data.
Performed exploratory logistic regression analysis by age group.
Identified the paradox of increasing insurance enrollment alongside decreasing AI utilization.
Insurance enrollment increases with age, but AI utilization decreases, revealing an 'AI utilization paradox'.
AI literacy significantly impacts choice attributes in complex insurance products, more so among younger consumers.
Older consumers (60+) show lower AI utilization, emphasizing the need for tailored support and policies.

Shows AI literacy influences insurance choice attributes in varying age groups, suggesting tailored services are needed.

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Young Eun Jeong (2026) studied this question.

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