This paper presents key findings from the 19th annual Retirement Confidence Survey (RCS), a survey that gauges the views and attitudes of working-age and retired Americans regarding retirement, their preparations for retirement, their confidence with regard to various aspects of retirement, and...

Property-liability insurance is distributed through two major marketing channels -- the independent and the exclusive agency systems. Independent agents place business with several companies, while exclusive agents write insurance for only one company. We find that the independent agency system...