and car insurance using data from the UK. The main empirical results are: ? higher labor income risk induces a higher … demand for car insurance. ? the effects of increases in labor income risk after 1979 seem to be more than offset by a more …

I revisit the question of which motive underlies insurance demand. I draw on the literature of state-dependent utility … and on the literature of imperfectly divisible consumption to argue that the general purpose of insurance is not a risk … transfer, but meeting a conditional need. In this way, insurance aligns the risk in one's ftnancial endowment with the risk in …

. As an example, we present applications of affective decision-making in insurance markets, where the risk perceptions of …

. As an example, we present applications of affective decision-making in insurance markets, where the risk perceptions of …

insurance markets, where risk perceptions are endogenous. …

transactions of non-agency RMBS by insurance companies from 2006 to 2009, we show that insurance companies that became more capital … at much lower prices than other insurance companies during the crisis …

correlation in their assets (health, wealth, wisdom, i.e. skills), causing them to demand a great deal of insurance coverage …. Insurers on the other hand eschew positively correlated risks. It can be shown that insurance contributes to a reduction of … insurance. Analyzing deviations from trend in aggregate insurance payments, one finds the following for the United States and …

and car insurance using data from the UK. The main empirical results are: -higher labor income risk induces a higher … demand for car insurance. -the effects of increases in labor income risk after 1979 seem to be more than offset by a more …

that the donor may be sure to get a tax benefit. We interpret this function as insurance and test the option to insure … donations in the lab. Our participants indeed have a positive willingness to pay for insurance against either risk. Yet the … insurance option is only critical for their willingness to donate to a charity if the uncertainty affects the proper use of …