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FINANCIAL PLANNING REVIEW, Volume 9, Issue 3, September 2026.ABSTRACT Financial planners and advisors routinely translate downside protection features of retirement income products into client facing language. Across four studies, we examine whether framing a zero downside as “gain nothing” or “lose nothing,” compared with “lose $1,” affects willingness to invest in an indexed annuity.
Marcus Wardley
wiley +1 more source
Joint Life Annuities and Annuity Demand by Married Couples [PDF]
This paper explores the value of purchasing joint life annuities for married couples. It describes the existing market for joint life annuities, and summarizes the range of annuity products that are currently available to couples.
James M. Poterba, Jeffrey R. Brown
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FINANCIAL PLANNING REVIEW, Volume 9, Issue 3, September 2026.ABSTRACT Nearly one‐fourth of workers claiming Social Security do so at age 62, while only one in ten wait until age 70, even though financial analyses often favor delay, a pattern that has long puzzled economists. Using a dynamic lifecycle model with Epstein–Zin recursive utility, we examine whether early claiming can be a reasonable choice once ...
Derek T. Tharp
wiley +1 more source
Equity-linked insurances and guaranteed annuity options [PDF]
We consider here term and whole-life cases of the equity-linked life insurance(ELLI), and the guaranteed annuity option (GAO). We present a financial instrument which is a combination of ELLI and GAO in a stochastic interest rate framework.equity-linked ...
Pazdan-Siudeja, Liliana +1 more
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Annuity Choices in Chile: A Dynamic Approach [PDF]
, 2014 This study utilizes a variable derived from the Annuity Equivalent Wealth dynamic programming model developed by Brown (2001) and Mitchell et al. (1999). The model captures the benefits of having access to the annuity market.
Ruiz Vergara, José
core +1 more source
Adverse Selection in the Annuity Market with Sequential and Simultaneous Insurance Demand [PDF]
This paper investigates the effect of adverse selection on the private annuity market in a model with two periods of retirement. In order to introduce the existence of limited-time pension insurance, we assume that for each period of retirement separate ...
Johann K. Brunner, Susanne Pech
core +2 more sources
Journal of Food Science, Volume 91, Issue 9, September 2026.ABSTRACT Cocoa bean shells (CBSs), a by‐product of cocoa processing, are an underutilized source of bioactive polyphenols with strong potential for functional food applications. Although several studies and reviews have investigated polyphenol extraction techniques, gaps remain in consolidating findings, optimizing extraction conditions, and ...
Joy Chinenye Mba +4 more
wiley +1 more source
Abacus, Volume 62, Issue 3, Page 850-884, September 2026.Relevance and faithful representation are identified by standard‐setters as fundamental qualitative characteristics for useful accounting information. We critically assess whether current pension measurement guidance under International Financial Reporting Standards (IFRS) and US generally accepted accounting principles (GAAP) results in pension ...
Divya Anantharaman, Darren Henderson
wiley +1 more source
Behavioral Biases in Annuity Choice: An Experiment [PDF]
We conduct a neutral-context laboratory experiment to systematically investigate the role of the hit-by-bus concern in explaining the annuitization puzzle: the low rate of retirement-asset annuitization relative to the predictions of standard models.
Lina Walker, Robert S. Gazzale
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Annuity Prices, Money's Worth and Replacement Ratios: UK experience 1972 - 2002 [PDF]
In this paper we construct a time series of annuity prices from 1972-2002, and examine whether annuity rates are unfairly priced, and assess the extent to which annuitisation risks are hedged by stock market returns.
Ian Tonks, Edmund Cannon
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