a contract in which a person pays a lump-sum premium to an insurance company and in return receives periodic payments, usually yearly, often beginning on...
This paper evaluates the extent of adverse selection in life insurance and annuities in international markets, for both group and individual products. The results help assess the extent to which life insurers can hedge mortality exposure by writing both life insurance and annuities, and they may be used to determine...
This paper examines the distributional implications of mandatory longevity insurance when there is mortality heterogeneity in the population. It embeds that analysis into a life cycle framework that allows for an examination of distributional effects on a utility-adjusted basis. It finds that the degree of redistribution that occurs from the...
This paper examines the risk aspects of an investment-based defined contribution Social Security plan. It focuses on the risk after the plan is fully phased in. Individuals deposit a fraction of wages to a Personal Retirement Account PRA, invest these funds in a 60:40 equity-debt mix, and in a similarly...
IBM (NYSE: IBM) today announced that Connecticutis the first U.S. state to use data analytics software jointly developed byIBM, Pace University of New York, and the Connecticut-based labor researchfirm SkillPROOF, Inc., to identify and train students for lucrative jobopportunities with the state's biggest insurance and financial servicesemployers. "IBM's...
Providing Long-Term Care for Uninsured Retirees Could Cost the Average Family Caregiver Over $140,000 BOSTON -- To help Americans better plan for their healthcare costs in retirement, Fidelity Investments estimates that a 65-year old couple in 2008 will need $85,000 to insure against long-term care...
SAN FRANCISCO -- The following release focuses on the topic Personal Finance & Tax II: ALL TIME-OFFS ARE IN EASTERN TIME BELLEVUE, Wash.--Overlooked Tax Tip: Pay for Professional Tax Help With Loose Change (03/07/2007 - 12:00 PM, SOURCE: Coinstar, Inc., NASDAQ:CSTR) ...
Key Points * With Social Security and pension plans under pressure, the new law should boost financial-services companies that provide retirement products. * The law seeks to stabilize ailing defined-benefit pension plans and strengthen the viability...
Agriculture and natural resources Wansink, Brian, Soy, Functional Foods, Biotechnology, and Obesity. Champaign, IL, University of Illinois Press, 2005, 206 pp., $34.95/cloth. Economic and social statistics Echenique, Federico and Roland G. Fryer, Jr., On the Measurement of Segregation. Cambridge, MA, National...
This paper examines the impact of home ownership on income distribution and the incidence of low-income, using data from the Household Expenditure Surveys conducted in 1993-1994 and 1998-1999. The market-value approach is used to derive an estimate of imputed rental income, which is added to disposable income....
Although insurance is one of the most important investments a business will make, it sometimes receives less attention than an order of office supplies. The inherent complexities, legalities and complicated jargon associated with business insurance make the idea of delving into it a...
Economic and social statistics Annual Statistical Supplement, 2001. Washington, DC, Social Security Administration, SSA Publication No. 13-11700, 381 pp. Boersch-Supan, Axel, Labor Market Effects of Population Aging. Cambridge, MA, National Bureau of Economic Research, Inc., 2001, 38 pp. (Working Paper 8640) $10 per...
You need accurate estimates of a market's economic potential. Heres what you need to know to make an intelligent choice. Take a good look at your organization's strategic plan, or your product's marketing plan. The chances are good that those plans use local-area income estimates. Gauging the economic power...
Articles 1998-03-01
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