God Insures Those Who Pay? Formal Insurance and Religious Offerings in Ghana

  title={God Insures Those Who Pay? Formal Insurance and Religious Offerings in Ghana},
  author={Emmanuelle Auriol and Julie Lass{\'e}bie and Amma Panin and Eva Raiber and Paul Seabright},
  journal={CEPR Discussion Paper Series},
This article provides experimental support for the hypothesis that insurance can be a motive for religious donations. We randomize enrollment of members of a Pentecostal church in Ghana into a commercial funeral insurance policy. Then church members allocate money between themselves and a set of religious goods in a series of dictator games with significant stakes. Members enrolled in insurance give significantly less money to their own church compared with members who only receive… 
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