Results 51 to 60 of about 678 (171)

The methods of mortgage loan repayment modeling

RUDN Journal of Economics, 2009
The article is dedicated to the analysis of the methods of mortgage loan repayment modeling. The issues examined: base elements of a mortgage loan, interrelation of these elements and their influence on the value of payment and the total amount of the ...
O V Khe
doaj  

Employee savings in defined contribution plans: Evidence from age‐based policies in employer plans

Journal of Risk and Insurance, EarlyView.
Abstract Retirement saving is a critical form of self‐insurance at older ages, but ensuring that such savings are adequate remains a challenge in the United States. This is especially true for those who save through defined contribution (DC) plans, in which participants are responsible for setting both the amount and the investment strategy.
Brent J. Davis, Anita Mukherjee, Mingli Zhong   +2 more
wiley   +1 more source

Preferences for annuity, critical illness, and long‐term care insurance portfolios: Evidence from an online survey

Journal of Risk and Insurance, EarlyView.
Abstract In many low‐ and middle‐income countries, social insurance provides basic pension benefits with limited cover for illness and care costs, while private insurance markets are underdeveloped. Using an online survey of retirement portfolio choices in urban China, we examined the stated demand for longevity, critical illness, and long‐term care ...
Cheng Wan, Hazel Bateman, Hanming Fang, Katja Hanewald   +3 more
wiley   +1 more source

Selection in car insurance when claims are heterogeneous

Journal of Risk and Insurance, EarlyView.
Abstract Econometric studies of insurance markets have analyzed the Positive Correlation Property to test for the presence of asymmetric information. Car‐insurance studies frequently compare policies purchasing Mandatory Third‐Party Liability alone with policies that purchase additional coverage and use the presence of a liability claim as a measure of
Edmund Cannon, Giam Pietro Cipriani, Alessandro Lai   +2 more
wiley   +1 more source

Design and pricing of private long‐term care insurance: An Australian analysis

Journal of Risk and Insurance, EarlyView.
Abstract Private long‐term care insurance (LTCI) is unavailable in many countries, including Australia, where individuals rely on government support and retirement savings for aged care. This study explores the design and pricing of private LTCI products covering out‐of‐pocket costs, using a model of chronic illness and disability in Australia.
Kyu Park, Michael Sherris
wiley   +1 more source

Variable Annuities and Systemic Risk

Annales des Mines - Réalités industrielles, 2020
This chapter argues that variable annuities may cause systemic risk in the insurance sector. Life insurers, in particular in the US, have transformed their business by moving from largely diversifiable activities to taking on market risk. This exacerbated by the fact the variable annuities are typically supplemented with guarantees. Such guarantees are
openaire   +2 more sources

Representation, medical examination, and the effectiveness of underwriting: Evidence from a life and health insurance company

Risk Management and Insurance Review, EarlyView.
Abstract This study examines whether underwriting methods—representation, medical examination, extra premiums, and coverage—effectively mitigate adverse selection using data from an insurance company. Regarding representation, we focus on statements disclosing pre‐existing medical conditions.
Chia‐Ling Ho, Gene Lai, Chen‐Hsu Liao, Zifen Zeng   +3 more
wiley   +1 more source

Social welfare effects of annuitization in small open economies

The Scandinavian Journal of Economics, EarlyView.
Abstract This paper develops a theory of when annuitization improves or reduces social welfare. The analysis is based on a small open economy with exogenous prices, populated by overlapping generations of non‐altruistic agents. Annuities provide longevity risk insurance and above‐market returns, but also reduce accidental bequests that transfer ...
Tim D. Maurer
wiley   +1 more source

COURSE OF LOAN-MODELS OF VARIABLE PRINCIPAL REPAID

Acta Economica, 2005
In this paper is presented the account of effective loan, i.e. course of loan, for case when loan is amortizated of variable principal repaid. Namely, in the literature are presented only two models of amortization of loan for account course of loan ...
Milivoje Krčmar, PhD
doaj  

Markets Mitigate Land‐Use Competition From Energy Crops and Increase Farm Revenues

Applied Economic Perspectives and Policy, Volume 48, Issue 3, Page 709-721, July 2026.
ABSTRACT Meeting the US Sustainable Aviation Fuel Grand Challenge target of 35 billion gal annually by 2050 will require an estimated 380 million–700 million dry tons of agricultural biomass feedstock. This study evaluates the implications of large‐scale biomass production for land use, crop production, and market outcomes under mature market ...
Daniel G. De La Torre Ugarte, Matthew H. Langholtz, Chad M. Hellwinckel   +2 more
wiley   +1 more source