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The Changing Labor Market Position of Canadian Immigrants

Bloom, David E. - 1994

Canadian immigrants at the time of immigration fall short of the earnings of comparable Canadian-born individuals, and (2 … recent changes in Canadian immigration policy, labor market discrimination against visible minorities, and the prolonged …

Persistent link: https://www.econbiz.de/10012474260

Protective Behavior and Life Insurance

Hurwitz, Abigail; Mitchell, Olivia S.; Sade, Orly - National Bureau of Economic Research - 2024

We study life insurance market responses to Covid-19 using unique national administrative data from Israel on purchases and cancellations of life insurance policies, and an internet survey of Americans' life insurance choices, risk attitudes, Covid-19 perceptions, and vaccination behavior. We...

Persistent link: https://www.econbiz.de/10014486194

An Analysis of the Earnings of Canadian Immigrants

Bloom, David E. - 1989

skills declined following changes in Canada's immigration policies in 1974 that led to a sharp increase in the proportion of … complete until 13 to 22 years after entry into Canada. These results are revealed clearly in both the pseudo-longitudinal and … increases with their duration of stay in Canada, and since there are no differential immigrant-native changes in higher …

Persistent link: https://www.econbiz.de/10012476013

International Adverse Selection in Life Insurance and Annuities

McCarthy, David - 2003

This paper evaluates the extent of adverse selection in life insurance and annuities in international markets, for both group and individual products. We also compare results with prior analyses of adverse selection in international annuity markets, focusing on the US, the UK, and Japan. Our...

Persistent link: https://www.econbiz.de/10012468722

Annuities for an Ageing World

Mitchell, Olivia S. - 2002

Substantial research attention has been devoted to the pension accumulation process, whereby employees and those advising them work to accumulate funds for retirement. Until recently, less analysis has been devoted to the pension decumulation process -- the process by which retirees finance...

Persistent link: https://www.econbiz.de/10012469621

New Evidence on the Money's Worth of Individual Annuities

Mitchell, Olivia S. - 1997

This paper presents new information on the expected present discounted value of payouts on individual life annuities. The annuity we examine is the single premium immediate life annuity, an insurance product that pays out a nominal level sum as long as the covered person lives, in exchange for...

Persistent link: https://www.econbiz.de/10012472816

Accounting and Actuarial Smoothing of Retirement Payouts in Participating Life Annuities

Maurer, Raimond - 2014

Life insurers use accounting and actuarial techniques to smooth reporting of firm assets and liabilities, seeking to transfer surpluses in good years to cover benefit payouts in bad years. Nevertheless, these techniques been criticized as they make it difficult to assess insurers' true financial...

Persistent link: https://www.econbiz.de/10012458540

Lifecycle Portfolio Choice with Systematic Longevity Risk and Variable Investment-Linked Deferred Annuities

Kartashov, Vasily - 2011

This paper assesses the impact of variable investment-linked deferred annuities (VILDAs) on lifecycle consumption, saving, and portfolio allocation patterns given stochastic and systematic mortality. Insurers have taken two approaches to manage systematic mortality risks, namely self-insurance...

Persistent link: https://www.econbiz.de/10012461152