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- Adverse Selection and Moral Hazard in the Life Insurance IndustryAdverse selection is one of two main sorts of market failure often associated with insurance. The other is moral hazard. Adverse selection can be a problem … Read more
- Life Insurance Math Made SimpleThe following simplified example illustrates the basic operation of life insurance as a capital accumulation vehicle with both death protection and savings components. Suppose five people … Read more
- Life Insurance as a Savings and Investment VehicleLife insurance can be a superb savings and investment vehicle. All conventional investment vehicles serve the same purpose, but the unique feature of life insurance is … Read more
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