can be used to self-insure, substituting for both formal and informal insurance. We investigate this question using a … remittances, which supports the idea that remittances act as (self-) insurance. We also show that purchasing formal funeral cover … is influenced by other risk management strategies and that determinants of informal insurance differ from those of formal …

We use data on insurance deductible choices to estimate a structural model of risky choice that incorporates "standard …

Guaranteed renewability is a prominent feature in many health and life insurance markets. It is well established in the … fair price for low risk types provides full insurance against reclassification risk. We develop a model that includes … unpredictable (and unobservable) fluctuations in demand for life insurance as well as changes in risk type (observable) over …

Discrimination against minorities is pervasive in many societies, but little is known about minorities' strategies to … investigate Armenians' willingness to hide their ethnicity to avoid expected discrimination. 43 percent of Armenian trustees …

We investigate the determinants and extent of labor market discrimination toward people with physical disabilities …

Discrimination is an ubiquitous phenomenon in many societies, but little is known about its origins in childhood. In a …-group and an out-group receiver in two domains (gender and group affiliation). Discrimination is prevalent in our subjects …, since they allocate more than half of their endowment to the in-group. The extent of discrimination does not differ between …

is to shed more light on whether intergroup discrimination manifests itself differently in a loss compared to a gain …

economic costs to society of sexual-orientation discrimination were significantly more likely than those in a control group to …

Discrimination in access to public services can act as a major obstacle towards addressing racial inequality. We … examine whether racial discrimination exists in access to a wide spectrum of public services in the US. We carry out an email …