Abstract
The main aim of the paper is to present the methodological basis of market segmentation which uses not only demographic-social attributes and preferences but also variables defining values with important meaning in personal life of customers. The construction of a psychometric test is discussed on the basis of the example of a semiometric scale. This test uses principal components analysis in order to distinguish the main dimensions of cultural dichotomies. The example of measurement on the semiometric scale comes from the examination of preferences in the range of the life and medical insurances.