would influence tax receipts. We recommend that a rate-of-return allowance should be applied, leaving risk-free interest …

-term care insurance would increase the benefits of housing equity release. However, there is virtually no market for such … insurance in Finland. This report illustrates the benefits of life annuities and long-term care insurance, provides example of … actuarially fair insurance pricing, and describes the conditions for this market to emerge. It argues that the government should …

, the monetary losses following from the death of a breadwinner, and the life insurance gap arising as the difference of the … information between 2018 and 2020. We find that 8 % of the individuals have at least one type of term life insurance in the data …. For them the average life insurance is 73 000 €. The take up of life insurances differ between groups, and it is more …

-term care insurance would increase the benefits of housing equity release. However, there is virtually no market for such … insurance in Finland. This report illustrates the benefits of life annuities and long-term care insurance, provides example of … actuarially fair insurance pricing, and describes the conditions for this market to emerge. It argues that the government should …

, the monetary losses following from the death of a breadwinner, and the life insurance gap arising as the difference of the … information between 2018 and 2020. We find that 8 % of the individuals have at least one type of term life insurance in the data …. For them the average life insurance is 73 000 €. The take up of life insurances differ between groups, and it is more …