English, Article, Journal or magazine article edition: Mandatory Unisex Policies And Annuity Pricing: Quasi-Experimental Evidence From Germany Hans-Martin von Gaudecker; Carsten Weber

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Bookmark: http://trove.nla.gov.au/version/68514
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Mandatory Unisex Policies And Annuity Pricing: Quasi-Experimental Evidence From Germany
Author
  • Hans-Martin von Gaudecker
  • Carsten Weber
Physical Description
  • preprint
Notes
  • RePEc:mea:meawpa:06108
  • We analyse the effect of abolishing gender-based categorisation of risks on the pricing of annuity contracts. Under the absence of screening activities, we find clear evidence of insurers expecting strong adverse selection effects. In particular, most of the unisex contracts’ payouts closely resemble those from women’s policies before the reform. Hence the policy target is not met and there are large efficiency losses for men. We conclude that there seems to be little hope for unisex policies to meet their equity ob jectives if consumers can react on the extensive margin, unless subsidies are extremely large.
  • RePEc:xrs:meawpa:06108
Language
  • English
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