Guaranteed Rate-setting Behavior, Life Insurance Premium, and Policyholder Protection

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题名:	Guaranteed Rate-setting Behavior, Life Insurance Premium, and Policyholder Protection
作者:	Lin, Jyh-Horng;Lin, Jyh-Jiuan;Li, Xuelian;Song, Zehe
关键词:	Guaranteed rate-setting;life insurance premium;policyholder protection
日期:	2022-01-26
上传时间:	2023-04-28 16:26:15 (UTC+8)
出版者:	Taylor & Francis
摘要:	This study explores the determinants of an insurer’s guaranteed rate based on a contingent claim model. According to the model development, we structure and estimate the guaranteed rate setting and policyholder protection equations. A time-series approach explains the guaranteed rate-setting behavior and insurance stability captured by policyholder protection from 1990 to 2018. The evidence suggests that derivatives, life insurance premiums, administrative costs, and federal income tax affect the insurer’s guaranteed rate-setting behavior. Increasing life insurance premiums and administrative costs in asset-liability matching management significantly enhance policyholder protection, contributing to insurance stability.
關聯:	Emerging Markets Finance and Trade 58(11), p.3076-3089
DOI:	10.1080/1540496X.2022.2026769
显示于类别:	[財務金融學系暨研究所] 期刊論文

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