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Adverse selection in mutual benefit societies: an longitudinal approach
Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR). Umeå University, Faculty of Social Sciences, Unit of Economic History.ORCID iD: 0000-0002-1413-3707
Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR). Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS).
Umeå University, Faculty of Social Sciences, Unit of Economic History.
2021 (English)Report (Other academic)
Abstract [en]

Mutual benefit societies evolved as the major provider for illness, accident and burialinsurance in the late 19 th and early 20 th century in the Western world. One of themajor problems facing the insurers was the risk for adverse selection; that unhealthyindividuals had more incentive then healthy to insure when priced for the averagerisk. By empirically examine if the longevity among insured in mutual benefit societieswas different from uninsured, we seek to identify the presence of adverse section. Wefind no compelling evidence that unhealthy individuals was more likely to insure, orreasons to believe that adverse selection was behind the decline of mutual benefitsocieties in the twentieth century.

Place, publisher, year, edition, pages
Umeå universitet , 2021.
Series
CEDAR Working Papers ; 2021:6
National Category
Economic History
Research subject
Population studies; Economic History
Identifiers
URN: urn:nbn:se:umu:diva-181601OAI: oai:DiVA.org:umu-181601DiVA, id: diva2:1538144
Funder
Marianne and Marcus Wallenberg Foundation, 2016.0028Available from: 2021-03-18 Created: 2021-03-18 Last updated: 2024-04-02Bibliographically approved

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fulltext(1517 kB)127 downloads
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Andersson, Lars FredrikLiselotte, ErikssonLilljegren, Josef

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Andersson, Lars FredrikLiselotte, ErikssonLilljegren, Josef
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Centre for Demographic and Ageing Research (CEDAR)Unit of Economic HistoryUmeå Centre for Gender Studies (UCGS)
Economic History

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
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  • text
  • asciidoc
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