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WHY LIFE INSURANCE POLICY PRICES DIFFER
Walden, Michael L.
1983
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Title
WHY LIFE INSURANCE POLICY PRICES DIFFER
Keywords
Life insurance policy prices have been observed to vary widely
;
for the same amount of protection. This has prompted recommendations
;
for additional state price disclosure regulations for life insurance
;
companies. The price disclosure would be summarized by price
;
indexes which take into account policy premiums, dividends (for participating
;
policies) and cash value (for whole life policies).
;
However, life insurance policies differ for reasons other than
;
differences in premiums, dividends, and cash value. Life insurance
;
policies include numerous contract provisions, and these contract provisions
;
can vary between companies. In addition, the companies
;
issuing life insurance policies differ with respect to their financial
;
stability. This report discusses why life insurance policy prices are
;
expected to vary because of differences in contract provisions and
;
financial characteristics of the issuing company, and new evidence is
;
presented to support the claims. Implications for both regulators and
;
consumers are discussed.
Author(s)
Walden, Michael L.
Subject(s)
Demand and Price Analysis
Risk and Uncertainty
Issue Date
Nov 11 1983
Publication Type
Report
DOI and Other Identifiers
10.22004/ag.econ.259560
Record Identifier
https://ageconsearch.umn.edu/record/259560
Language
English
Total Pages
22
Record Appears in
North Carolina State University
>
Department of Economics and Business - Archive
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