state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … occupational disablement insurances is still growing. Simultaneously, especially risk groups cannot afford insurance contributions …

state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … redemption, because of the resulting social insurance savings. Beyond it is shown that another increase of utility for the … coalition (employer and employee) can be achieved, if the employer additionally pays in a part of his social insurance savings …

Along with the creation of the European single insurance market in1994 the German insurance market was liberalized … losscharacteristics of its customers. These effects explain whyinformational constraints and market power are immanent oninsurance markets.Insurance … appropriate insurance premium will induce an efficientuse of prevention by the customers. Information constraints mayinhibit the …