A Survivor Test of the American Agency System of Distributing Property Liability Insurance
In earlier work byjoskow and by Cummins and VanDerhei, the American Agency system of distribution has been deemed inefficient, i.e. excessively costly. We test this in a natural way by examining whether the system survives in competition with more efficient systems. We find that it survives, but is in steady decline.
Volume (Year): 1 (1994)
Issue (Month): 2 ()
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