| H | | Results |
| H1 | i) Travel with sales agents can positively affect the add-on buying probability. | Supported |
| ii) Travel with sales agents can negatively affect the purchase interval. | Supported |
| H2 | i) A large first contract amount can positively affect the add-on buying probability. | Not Supported |
| ii) A large first contract amount can negatively affect the purchase interval. | Not Supported |
| H3 | i) The past year’s purchase record can positively affect the add-on buying probability. | Supported |
| ii) The past year’s purchase record can negatively affect the purchase interval. | Supported |