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Individual Private Pension Insurances : the effects of sociodemographics characteristics on poverty

  • Legendre, Bérangère
  • Clark, Gordon
  • El Mekkaoui de Freitas, Najat

Funded private pillars are well developed in many countries such as the United States, the United Kingdom, Canada, Switzerland and the Netherlands. In France, the development of occupational pension plans has been limited. However, in this country, households tend to increase their personal saving by contracting life insurances in order to finance their retirement. By encouraging the individualization of retirement planning, reforms of public pension systems could expose a vulnerable part of the population to the risk of poverty. Among households, lowincome and women are particularly vulnerable during their working life and then during their retirement period. In France and in other OECD countries, the trend to have more individualized pension raises the question of the poverty during the retirement period. In this context, could life insurances and private pension contracts avoid the risk of poverty ? In this paper, we analyze the behaviour of life insurance holding in France, by using an econometric model and studying statistically the risk of poverty among Retired.

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Paper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/8577.

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Date of creation: Jan 2010
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Handle: RePEc:dau:papers:123456789/8577
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  1. Deaton, A., 1989. "Saving And Liquidity Constraints," Papers 153, Princeton, Woodrow Wilson School - Public and International Affairs.
  2. Orazio P. Attanasio & Guglielmo Weber, 1994. "Is Consumption Growth Consistent with Intertemporal Optimization? Evidence from the Consumer Expenditure Survey," NBER Working Papers 4795, National Bureau of Economic Research, Inc.
  3. Christophe Hachon, 2008. "Do Redistributive Pension Systems Increase Inequalities and Welfare?," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) halshs-00285040, HAL.
  4. Martin Browning & Annamaria Lusardi, 1996. "Household Saving: Micro Theories and Micro Facts," Discussion Papers 96-01, University of Copenhagen. Department of Economics.
  5. Jeffrey R. Brown, 2003. "Redistribution and Insurance: Mandatory Annuitization With Mortality Heterogeneity," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 70(1), pages 17-41.
  6. Luc Arrondel & André Masson, 1996. "Gestion du risque et comportements patrimoniaux," Économie et Statistique, Programme National Persée, vol. 296(1), pages 63-89.
  7. Nicolas Drouhin, 2001. "Inégalités face à la mort et systèmes de retraite," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) halshs-00760957, HAL.
  8. Bernard, Philippe & El Mekkaoui de Freitas, Najat & Lavigne, Anne & Mahieu, Ronan, 2003. "Ageing and the Demand for Life Insurance : An Empirical Investigation using French Panel Data," Economics Papers from University Paris Dauphine 123456789/6152, Paris Dauphine University.
  9. Edward R. Whitehouse & Asghar Zaidi, 2008. "Socio-Economic Differences in Mortality: Implications for Pensions Policy," OECD Social, Employment and Migration Working Papers 71, OECD Publishing.
  10. repec:hal:wpaper:halshs-00285040 is not listed on IDEAS
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