This chapter defines a universal public pension scheme (UPPS) as a government-mandated lifecycle longevity insurance …

and car insurance using data from the UK. The main empirical results are: ? higher labor income risk induces a higher … demand for car insurance. ? the effects of increases in labor income risk after 1979 seem to be more than offset by a more …

We present a theory of the demand for flood insurance and empirically analyze the effects of the adoption of Risk … Rating 2.0, using individual insurance histories for all NFIP policies. The reform increased exit and reduced entry, both in … the flood zone and its periphery. The reform had highly heterogeneous effects on insurance costs and triggered adjustments …

and car insurance using data from the UK. The main empirical results are: - higher labor income risk induces a higher … demand for car insurance. - the effects of increases in labor income risk after 1979 seem to be more than offset by a more …

based health insurance. The information package consists of a detailed brochure which is distributed to households through … treatment effects on insurance uptake at the margin, although insurance uptake is low in general. We also find evidence for a … better understanding of insurance principles among treated households, in particular in poorer households and in households …