Risk occurrence is a phenomenon that affects human lives. Risk avoidance helps
individuals to cope with the tragedies of life. Insurance patronage in sub-Saharan Africa
(with the exception of South Africa) is abysmally poor. Empirical studies on the impact of
sociocultural factors on insurance patronage are slim. Besides, meanings attached to
modern insurance concepts such as accident and disasters are culturally constructed. This
study, as an exploratory work, investigated some of the socio-cultural variables that shape …