, disability, and life insurance. Consistent with the predictions of the theory, in all three settings I find significant amounts …Across a wide set of non-group insurance markets, applicants are rejected based on observable, often high … be rejected relative to those who can purchase insurance; and I show it is enough private information to explain a …

Insurance for natural hazards - earthquakes, hurricanes, or pandemics - is rarely comprehensively adopted without …. Efforts to close this insurance gap include the introduction of parametric (index) insurance products for various catastrophic … risks. We compare parametric to indemnity insurance in a simple model where the insurance company has superior information …