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Is there dynamic adverse selection in the life insurance market?

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  • He, Daifeng

Abstract

This paper finds evidence of dynamic adverse selection in the life insurance market. Lower-risk individuals are more likely to cancel a policy, and to cancel one of greater face value conditional on cancelation, than are individuals with higher mortality risk.

Suggested Citation

  • He, Daifeng, 2011. "Is there dynamic adverse selection in the life insurance market?," Economics Letters, Elsevier, vol. 112(1), pages 113-115, July.
  • Handle: RePEc:eee:ecolet:v:112:y:2011:i:1:p:113-115
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    References listed on IDEAS

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    1. Amy Finkelstein & Kathleen McGarry & Amir Sufi, 2005. "Dynamic Inefficiencies in Insurance Markets: Evidence from Long-Term Care Insurance," American Economic Review, American Economic Association, vol. 95(2), pages 224-228, May.
    2. He, Daifeng, 2009. "The life insurance market: Asymmetric information revisited," Journal of Public Economics, Elsevier, vol. 93(9-10), pages 1090-1097, October.
    3. Amy Finkelstein & Kathleen McGarry, 2006. "Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance Market," American Economic Review, American Economic Association, vol. 96(4), pages 938-958, September.
    4. Cochrane, John H, 1995. "Time-Consistent Health Insurance," Journal of Political Economy, University of Chicago Press, vol. 103(3), pages 445-473, June.
    5. Cardon, James H & Hendel, Igal, 2001. "Asymmetric Information in Health Insurance: Evidence from the National Medical Expenditure Survey," RAND Journal of Economics, The RAND Corporation, vol. 32(3), pages 408-427, Autumn.
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    Cited by:

    1. Harris, Timothy & Yelowitz, Aaron, 2015. "Racial Disparities in Life Insurance Coverage," MPRA Paper 64005, University Library of Munich, Germany.
    2. repec:bla:ecinqu:v:55:y:2017:i:2:p:951-981 is not listed on IDEAS
    3. Harris, Timothy & Yelowitz, Aaron, 2015. "Nudging Life Insurance Holdings in the Workplace," MPRA Paper 67150, University Library of Munich, Germany.
    4. Harris, Timothy & Yelowitz, Aaron, 2014. "Is there adverse selection in the life insurance market? Evidence from a representative sample of purchasers," Economics Letters, Elsevier, vol. 124(3), pages 520-522.

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