allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by … ubiquitous computing technologies and the identification of new application areas, the effects of these technologies on privacy … information hurts their privacy, no matter to which purpose the information is revealed or whether at all it will be used, the …

This paper develops a heterogeneous agents model to analyze the effects of Social Security survivors insurance. The …-glow bequest motive that varies by age and family structure. The model matches lifecycle changes in life insurance coverage, and … generates advantageous selection in the insurance market. For male agents, reducing survivors benefits for dependent children …

This paper examines uberrimae fidei (utmost good faith) with adverse selection in an insurance market. If consumers … the (equitable) non-strict enforcement (judicial ruling) of contracts of insurance can be efficiency enhancing as it can …

”, I evaluate the money’s worth of life annuities and discuss the implications of the government entering the insurance …

This thesis contains four essays which are all from the broader field of insurance economics. The chapters can be read …, which is on oligopolistic models in the insurance market, are paving the way for chapter 4, which contains an article on the … role of patience in an insurance market. This is because chapter 4’s model includes moral hazard and adds to the literature …

This paper studies the empirical effects of risk classification in the mandatory third-party motor insurance of Germany … following the European Union’s directive to de-regulate insurance tariffs of 1994. We find evidence that inefficient risk … continuing existence of institutional restraints in this market such as compulsory fixed coverage and unitary owner insurance. …

great number of private and public sector defined contribution retirement plans have become laden with insurance contracts … Benefit Guarantee Corporation) insurance. The results of the analysis in this paper calls this into question, and with so many … “Emperor has no Clothes” as the life insurance industry has poured billions of dollars into advertising, lobbying, commissions …