A simple formula for non-discriminatory insurance pricing is introduced. This formula is based on the assumption that … certain individual (discriminatory) policyholder information is not allowed to be used for insurance pricing. The suggested …

We develop a theory that connects insurance premiums, insurance companies’ investment behavior, and equilibrium asset … prices. Consistent with the model's key predictions, we show empirically that (1) insurers with more stable insurance funding … take more investment risk and, therefore, earn higher average investment returns; (2) insurance premiums are lower when …

1 Introduction -- Trends in Insurance Rate Litigation -- Rate Regulatory Laws -- Focus of Analysis -- I The Procedural … Aspects of Insurance Rate Regulation -- 2 Ratemaking Initiative -- 3 Nature of Administration Rate Hearings -- 4 Procedural … of Substantive Issues Concerning Insurance Rate Regulation -- 8 Risk Classifications Plans -- 9 Standards for Determining …