Abstract
The present research aims to investigate possible relationships between psychological factors - coping mechanisms used by customers of insurance companies, respectively stressors associated with unpredictable risks - and changes in attitudes towards the market and insurance products in Romania, with the possibility of expansion and to the economic specifics of other states. In addition, the present study proposes the introduction as a mechanism of influence on the perception of insurance and temporal perspectives characteristic of individuals, according to the 6 typologies structured in the theory of temporal perspective. Zimbardo. This approach is particularly important, in order to determine a change in managerial perspective on the part of insurance companies, in the sense of completing the actuarial calculations currently used, by introducing personalized mechanisms for classifying the types of clients and establishing the level of risk. to cover the products offered
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