variables directly related to the insurance product (e.g., a regulatory restriction of insurance acquisition costs) as well as … importance of insurance distribution in banks. Significant risk factors (statistically significant) which determine gross …) represented by the average number of people in a household in Poland, demand on mortgage loans represents by bank housing loans …

business) is then considered, with particular emphasis on marginal-cost-type methods. The relationship between insurance … and the impact of the potential of default on insurance rates …

provide a novel decomposition of labor income tax formulas into a redistribution and an insurance component. The latter is … capital tax is non-zero and trades off redistribution and insurance against savings distortions. Our quantitative results … reveal that the insurance component contributes significantly to optimal labor tax rates and provides an informative lower …

-free physical capital and risky human capital. Households have access to a complete set of credit and insurance contracts, but their … households less than half of human capital risk is insured and the welfare losses due to the lack of insurance range from 3 … parameters have non-negligible effects on equilibrium insurance and welfare, but the result that young households are severely …