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Managing policy lapse risk in Sweden’s life insurance market between 1915 and 1947
Umeå University, Faculty of Social Sciences, Department of Geography and Economic History.ORCID iD: 0000-0002-1413-3707
Umeå University, Faculty of Social Sciences, Department of Geography and Economic History.
Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS).
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2018 (English)In: Business History, ISSN 0007-6791, E-ISSN 1743-7938Article in journal (Refereed) Epub ahead of print
Abstract [en]

We examine the challenges that Swedish life insurers faced in managing the lapse risk of policies written on the lives of the industrial urban working class between 1915 and 1947. We observe that with the threat of State socialisation of insurance in the 1930s, industrial life insurers modified their business practices to better control policy lapses. Using firm-level data, we also analyse the effect of socio-economic changes, such as rising real wages, interest rate fluctuations and unemployment on life insurance policy lapses. Our results support contemporary tests of the emergency fund and interest rate explanations for the voluntary premature termination of life insurance policies.

Place, publisher, year, edition, pages
Routledge, 2018.
Keywords [en]
policy lapse risk, life insurance, Sweden
National Category
Economic History
Identifiers
URN: urn:nbn:se:umu:diva-145253DOI: 10.1080/00076791.2017.1418331Local ID: 881251OAI: oai:DiVA.org:umu-145253DiVA, id: diva2:1185691
Projects
Effektivitet och jämlikhet i privat och offentlig försäkring: En analys av det svenska sjukförsäkringssystemet 1900-1955
Funder
Swedish Research CouncilAvailable from: 2018-02-26 Created: 2018-02-26 Last updated: 2019-02-15Bibliographically approved

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Andersson, Lars FredrikLindmark, MagnusEriksson, Liselotte

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CiteExportLink to record
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Citation style
  • apa
  • ieee
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  • Other locale
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Output format
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