Redistribution by insurance market regulation: Analyzing a ban on gender-based retirement annuities

A-Tier
Journal: Journal of Financial Economics
Year: 2009
Volume: 91
Issue: 1
Pages: 38-58

Score contribution per author:

1.341 = (α=2.01 / 3 authors) × 2.0x A-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

We illustrate how equilibrium screening models can be used to evaluate the economic consequences of insurance market regulation. We calibrate and solve a model of the United Kingdom's compulsory annuity market and examine the impact of gender-based pricing restrictions. We find that the endogenous adjustment of annuity contract menus in response to such restrictions can undo up to half of the redistribution from men to women that would occur with exogenous Social Security-like annuity contracts. Our findings indicate the importance of endogenous contract responses and illustrate the feasibility of employing theoretical insurance market equilibrium models for quantitative policy analysis.

Technical Details

RePEc Handle
repec:eee:jfinec:v:91:y:2009:i:1:p:38-58
Journal Field
Finance
Author Count
3
Added to Database
2026-01-25