| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | car insurance | Nigeria | Less commonly purchased and not always legally required | 1 |
| 2 | home insurance | Nigeria | Less common due to informal community support systems and limited insurance infrastructure | 1 |
| 3 | insurance | Nigeria | Less commonly purchased and often considered a luxury due to lower average incomes | 1 |
| 4 | insurance | Nigeria | Less commonly purchased due to reliance on extended family and community support | 1 |
| 5 | life insurance | Nigeria | Not commonly utilized due to lack of trust in insurance companies and cultural beliefs about fate and destiny | 1 |
| 6 | vehicle insurance | Nigeria | Not always required; many drivers operate without insurance | 1 |