state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … occupational disablement insurances is still growing. Simultaneously, especially risk groups cannot afford insurance contributions …

state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … redemption, because of the resulting social insurance savings. Beyond it is shown that another increase of utility for the … coalition (employer and employee) can be achieved, if the employer additionally pays in a part of his social insurance savings …

characteristics (adverse selection) or behavior (moral hazard), and the efficiency effects of their decisions. In view of a greater … allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by … information asymmetries concerning individual risk this has positive efficiency effects. Simultaneously with the improvement of …

insurance for modelling dependent risks. However, simulating multivariate Archimedean copulas has always been a difficult task … have recently discussed the concept of dependencies between insurance risks. They suggest that insurers should use a … technique based on copulas to describe the dependence of risks within an insurance company in the context of solvency assessment …

, perceived value, repurchase intention and willingness to recommend to others. The life insurance industry was chosen as the …

This paper makes a detailed comparison of two major financial services in Singapore: life insurance and stockbrokerage … enjoyed a similar status in the life insurance industry. Results also confirm that while MSA and MSS both drive satisfaction …

National Health Insurance Fund and on an authors' questionnaire (n = 1158). The potential savings on illness relating to …