We analyse the effect of abolishing gender-based categorisation of risks on the pricing of annuity contracts. Under the absence of screening activities, we find clear evidence of insurers expecting strong adverse selection effects. In particular, most of the unisex contracts' payouts closely...

This paper describes the available annuity contracts and determines their money's worth for diffrent subgroups of the population.

In recent years, access to German research data on labour markets and social insurances has improved substantially. Never-theless, reforms are urgently needed to catch up with other countries. Among the most important measures, the German governmentshould legalise the merging of information from...