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Life Insurance Cash Flows with Policyholder Behavior
Risks, 2015 The problem of the valuation of life insurance payments with policyholder behavior is studied. First, a simple survival model is considered, and it is shown how cash flows without policyholder behavior can be modified to include surrender and free policy
Kristian Buchardt, Thomas Møller
doaj +1 more source
Self-selection and risk sharing in a modern world of life-long annuities [PDF]
, 2018 Communicating a pension product well is as important as optimising the financial value. In a recent study, we showed that up to 80% of the value of a pension lump sum could be lost if customer communication failed.
Gerrard, R. J. G. +3 more
core +1 more source
Regulating private pension funds’ structure, performance and investments: cross-country evidence [PDF]
, 2000 A number of countries have introduced individual, privately managed defined-contribution accounts, where the value of the pension benefit will depend on accumulated contributions and investment returns.
Srinivas, P.S. +2 more
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State marketing in the improvement of pension provision in Ukraine [PDF]
Економіка та управління АПК, 2021 The paper aims to determine the features and justify the need to use state marketing to meet public needs as one of the types of marketing. It has been found out that the main goal of state marketing is to study and form a complex of needs (individual ...
Safin O., Sendetska S.
doaj +1 more source
An Explanation of Negative Swap Spreads: Demand for Duration from Underfunded Pension Plans
Journal of Finance, 2019 The 30-year U.S. swap spreads have been negative since September 2008. We offer a novel explanation for this persistent anomaly. Through an illustrative model, we show that underfunded pension plans optimally use swaps for duration hedging. Combined with
Sven Klingler, Suresh M. Sundaresan
semanticscholar +1 more source
Pension communication, knowledge, and behaviour
Journal of Pension Economics and Finance, 2020 Many recent pension reforms require individuals to make more decisions on supplementary savings, investment choices, etc. Governments and the pension industry try to assist individuals through pension communication but little is known about the ...
S. Debets +3 more
semanticscholar +1 more source
SSRN Electronic Journal, 2016 There exists a wide variety of tax treatments of pensions across the world. And the reasons for such a range of regimes are not clear. This note reviews the general principles of pension taxes and analyses the theoretical foundations of why pension incomes ought to be taxed specifically.
Cremer, Helmuth, Pestieau, Pierre
openaire +6 more sources
Retirement expectations, pension reforms and their impact on private wealth accumulation [PDF]
, 2006 We estimate the effect of pension reforms on households' expectations of retirement outcomes and private wealth accumulation decisions exploiting a decade of intense Italian pension reforms as a source of exogenous variation in expected pension wealth ...
Attanasio +23 more
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The political economy of pension financialisation: public policy responses to the crisis
The Political Economy of Pension Financialisation, 2019 Financialisation has become a key feature of post-industrial economies. This special issue sheds light on pre-funded private pensions as one key component of financialisation, as they turn savings into investment via financial services providers.
Anke Hassel, Marek Naczyk, T. Wiß
semanticscholar +1 more source
International Journal of Environmental Research and Public Health, 2019 With the aim of probing into the life satisfaction of retired urban elderly in China with respect to old age support systems, this study examines the effect of pension reform with its existing inequalities across demographic and social groups on the life
L. Abruquah, Xiuxia Yin, Ya Ding
semanticscholar +1 more source