In three empirical essays, this dissertation investigates changes in consumer behavior during the retirement transition. The data demonstrate that consumers are more likely to change brand and patronage preferences during the transition phase than in periods before and after. Furthermore, the...

The changing social, financial and regulatory frameworks, such as an increasingly aging society, the current low interest rate environment, as well as the implementation of Solvency II, lead to the search for new product forms for private pension provision. In order to address the various...