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Health and Mortality Delta : Assessing the Welfare Cost of Household Insurance Choice
Koijen, Ralph S. J. - 2015
Retirement Study. For the median household aged 51 to 57, the lifetime welfare cost of market incompleteness and suboptimal …
Persistent link: https://www.econbiz.de/10013038429
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Longevity, Health and Housing Risks Management in Retirement
Michaud, Pierre-Carl; St.-Amour, Pascal - National Bureau of Economic Research - 2023
price risks after retirement. We analyze low demand using a life-cycle model structurally estimated with a unique stated … utility when in poor health explain most of the reduced demand. Bequests motives are found to be a luxury good and play a … demand for annuities when reverse mortgages can be used to annuitize, instead of consuming home equity …
Persistent link: https://www.econbiz.de/10014247959
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Long term care insurance with state-dependent preferences
De Donder, Philippe; Leroux, Marie-Louise - 2019
We study the demand for actuarially fair Long Term Care (LTC hereafter) insurance in a setting where autonomous agents …
Persistent link: https://www.econbiz.de/10012156711
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Longevity, Health and Housing Risks Management in Retirement
Michaud, Pierre-Carl; St.-Amour, Pascal - 2023
price risks after retirement. We analyze low demand using a life-cycle model structurally estimated with a unique stated … utility when in poor health explain most of the reduced demand. Bequests motives are found to be a luxury good and play a … demand for annuities when reverse mortgages can be used to annuitize, instead of consuming home equity …
Persistent link: https://www.econbiz.de/10014256631
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Life cycle responses to health insurance status
Pelgrin, Florian; St.-Amour, Pascal - 2014
Health insurance status can change over the life cycle for exogenous reasons (e.g. Medicare for the elders, PPACA for younger agents, termination of coverage at retirement in employer-provided plans). Durability of the health capital, endogenous mortality and morbidity, as well as backward...
Persistent link: https://www.econbiz.de/10010412774
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Does Biological Endowment Matter for Demand for Financial Services? Evidence from Russian Household Survey
Andrievskaya, Irina - 2016
There are many studies revealing factors which influence the demand for financial services. However genetic features … by the 2D:4D ratio), can determine personal demand for bank services and insurance. We use data from the Russian …
Persistent link: https://www.econbiz.de/10012999788
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The Risk of Job Loss, Household Formation and Housing Demand : Evidence from Differences in Severance Payments
Barcelo, Cristina - 2019
Recent cohorts in various developed countries take a longer time to form their own household and display lower rates of … the causal link between sharp changes in the risk of job loss and the timing of different forms of household formation … contracts between 1997 and 2009. Using data from the 2002-2014 waves of the Spanish Survey of Household Finances, we document …
Persistent link: https://www.econbiz.de/10012895412
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Financial literacy and precautionary insurance
Kubitza, Christian; Hofmann, Annette; Steinorth, Petra - 2019 - This version: April 2019
This paper studies insurance demand for individuals with limited financial literacy. We propose uncertainty about … demand. Sufficiently prudent individuals raise insurance demand upon an increase in contract complexity, while the effect is …
Persistent link: https://www.econbiz.de/10012004234
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Momentum Traders in the Housing Market : Survey Evidence and a Search Model
Piazzesi, Monika - 2009
This paper studies household beliefs during the recent US housing boom. To characterize the heterogeneity in households …
Persistent link: https://www.econbiz.de/10013158768
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Individual Decisions and Household Demand for Consumption and Leisure
Chiuri, Maria Concetta - 2001
The standard microeconomic assumption of a household utility function raises two theoretical problems: it contradicts …, externalities and altruism within a household. This paper reviews two approaches, aggregation theory and the more recent non …-unitary models, to compare the different properties that household consumption and leisure demands have to satisfy in the two …
Persistent link: https://www.econbiz.de/10014143116