| 1. |
- Andersson, Lars-Fredrik, 1974-, et al.
(författare)
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Exclusion of women and organizational characteristics : Swedish mutual health insurance 1901-1910
- 2019
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Ingår i: Business History. - : Routledge. - 0007-6791 .- 1743-7938. ; 61:8, s. 1352-1378
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Tidskriftsartikel (refereegranskat)abstract
- Mutual societies have been recognised for their ability to mitigate information asymmetry. Although successful in reducing sickness claims, the exclusion of women was common. Health insurance societies argued the exclusion was a means to reduce adverse selection and moral hazard since women were regarded as higher risk. In this paper, we explore differences in organisational characteristics between societies that excluded and societies that did not exclude women as members between 1901 to 1910. Based on panel data, the study shows that societies that excluded women were less successful in keeping down sickness claims, in relation to benefits, than gendermixed societies
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| 2. |
- Andersson, Lars Fredrik, 1974-, et al.
(författare)
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Insurance models and climate risk assessments in a historical context
- 2016
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Ingår i: Financial History Review. - : Cambridge University Press. - 0968-5650 .- 1474-0052. ; 23:2, s. 219-243
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Tidskriftsartikel (refereegranskat)abstract
- Adaptation to the consequences of climate change has developed as a growing field of concern in the insurance business. However, climate related risks is not entirely a new field in insurance. Historically, a large number of insurance organizational choices and strategies have been used to mitigate the financial impacts of extreme events and uncertainties associated with climate change. Taking the case of forest in Sweden, this paper reviews the ways in which climate related risks such as storm/wind and fire risks have been assured. The study shows that climate related risks generally has increased over time and that major hazard events have been decisive for the strategy and organization choices. The 20th century development shows that corporate insurance coverage increased by higher anticipated risk, while self-insurance and public insurance was reduced. However, in more recent time the expansion of corporate insurance has stagnated. Raised premiums and tighten terms following historically extreme weather events has led government and forest owners to assume more climate risks.
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| 3. |
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| 4. |
- Andersson, Lars Fredrik, Docent, 1974-, et al.
(författare)
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Refugee immigration and the growth of low-wage work in the EU15
- 2019
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Ingår i: Comparative Migration Studies. - : Springer Science and Business Media LLC. - 2214-8590 .- 2214-594X. ; 7:39, s. 1-19
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Tidskriftsartikel (refereegranskat)abstract
- Our paper focuses on current trends in refugee migration and job polarization. In so doing, we assess the role of refugee migration in relation to institutional, technological and globalization factors in an effort to trace the factors underlying the growth of low-paying occupations in EU 15 between 1995 and 2017. Our empirical findings suggest that refugee migration has a small but positive and statistically significant impact on the growth of low-wage occupations in the EU 15 as a whole. However, the effect is attributed to Southern Europe and the UK and Irish economies. Despite hosting relatively large numbers of refugee migrants, the effects in the Nordic countries and Continental Europe are negligible, if present, and non-existent in the long run (5 years). When including all migrant workers, we find a limited impact on the growth of low-wage work in general, while the impact of immigrant workers from low-income third party countries becomes positive for the UK and Irish economy, but less for other European macro-regions. This suggests that institutional settings can play an important role in how the economy adjusts to migration. It also suggests that traditional fiscal cost calculations in relation to migration are often overestimated, as they implicitly build on the assumption that refugees and general immigration have great impacts on the growth of low-wage occupations.
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| 5. |
- Andersson, Lars Fredrik, 1974-, et al.
(författare)
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Sickness absence in compulsory and voluntary health insurance : the case of Sweden at the turn of the twentieth century
- 2017
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Ingår i: Scandinavian Economic History Review. - : Informa UK Limited. - 0358-5522 .- 1750-2837. ; 65:1, s. 6-27
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Tidskriftsartikel (refereegranskat)abstract
- At the turn of the twentieth century, Swedish health insurance was organised according to the Western European models of both voluntary, `fraternal´ principles and compulsory, `factory scheme´ principles. In this paper, we trace the characteristics of both organisational forms, and compare the sickness absence by considering the role of risk selection and mitigation across a large panel of voluntary and compulsory health insurance societies operating in Sweden between 1900 and 1910. We find that voluntary societies used a wide set of rules and practices in order to select and monitor members in order to keep down the number of sick cases. Compulsory societies applied shorter waiting periods and offered more medical treatment, leading to more frequent but shorter sickness absences.
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| 6. |
- Andersson, Lars-Fredrik, 1974-, et al.
(författare)
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The compulsory public pension and the demand for life insurance : the case of Sweden, 1884–19141
- 2015
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Ingår i: Economic history review. - : John Wiley & Sons. - 0013-0117 .- 1468-0289. ; 68:1, s. 244-263
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Tidskriftsartikel (refereegranskat)abstract
- We employ cost-of-living surveys, business archives, and firm data to examine the impact of the compulsory pension on the demand for life insurance in Sweden from 1884 to 1914—a period that covers the implementation of the first public compulsory old-age pension reform and the take-off of industry life insurance. As predicted on the basis of the contemporary literature on crowding-out effects, we find that the compulsory pension reduced the demand for life insurance. Our panel-data analysis of lapse rates on insurance policies shows a significant crowding-out effect of pension payments. We conclude that the introduction of the general compulsory pension had a crowding-out effect on households’ holdings of insurance policies.
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| 7. |
- Andersson, Lars Fredrik, Docent, 1974-, et al.
(författare)
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Välfärden, skatterna, baumoleffekten och högerpopulismens framväxt
- 2018
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Ingår i: Ekonomisk Debatt. - Stockholm. - 0345-2646. ; 46:7, s. 33-44
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Tidskriftsartikel (refereegranskat)abstract
- Vi ser i dag en förtroendekris för de politiska krafter som under hela efterkrigstiden har fört en kamp kring avvägningen mellan skatter och offentligt finansierad välfärd under förutsättning att den makroekonomiska jämvikten inteäventyras. Utmanare är högerpopulismen som vunnit mark genom utpekandetav invandring som en allmän förklaring till höga skatter och upplevda brister ivälfärden. Men lika lite som invandringen egentligen kan förklara långsiktigtstigande skatter, lika bortglömd tycks Baumoleffekten vara. Bristen på strukturellekonomisk-historisk analys för att förstå utmaningarna för välfärdsfinansieringär uppenbara
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| 8. |
- Gutiérrez González, Pablo, et al.
(författare)
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Managing financial constraints : undercapitalization and underwriting capacity in Spanish fire insurance
- 2018
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Ingår i: Economic history review. - Hoboken : Wiley-Blackwell. - 0013-0117 .- 1468-0289. ; 71:2, s. 567-592
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Tidskriftsartikel (refereegranskat)abstract
- Reinsurance is a vital financial device for enhancing underwriting capacity, ceding risks, and mitigating financial distress. By supplying financial resources and services, reinsurance can facilitate growth and expansion in the insurance business. Focusing on the insurance sector in the emerging Spanish economy and using a novel dataset on fire insurance companies, this article examines the role of fire insurance in the national capital formation, the importance of reinsurance as a vehicle for expanding the country's domestic underwriting capacity, and how the import of capital impacted on the balance of payment, from the introduction of the first comprehensive legislation regarding insurance in 1908 to the outbreak of the Civil War in 1936. Considering the situation of undercapitalization, the singularities of the insurance market, and the changes in regulatory schemes, we find that foreign reinsurance became a key financial vehicle for increasing underwriting capacity in Spain. We also show the struggle of an emerging market to find ways to keep the balance of current accounts and raise capital when financial infrastructure was underdeveloped. The diffusion of reinsurance networks from the core of industrial western countries towards emerging economies was one of the mechanisms for financial modernization on a global scale.
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| 9. |
- Lindmark, Magnus, 1968-, et al.
(författare)
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Growth Performance and Organizational Forms : The Case of Swedish Life Insurance, 1890 to 1950
- 2015. - 1
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Ingår i: Corporate Forms and Organizational Choice in International Insurance. - Oxford : Oxford University Press. - 9780198739005 ; , s. 244-260
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Bokkapitel (refereegranskat)abstract
- In Swedish life insurance, mutual and stock insurers have competed since the late nineteenth century. Stock insurers were prime movers controlling the early market. After the establishment of the first mutual insurer in 1887, however, stock insurers lost substantial market share. By themid-twentieth century, mutual insurers controlled 70 per cent of the life insurance market. In this chapter we explain how and why the mutual form was more successful than the stock organizational form in Swedish life insurance from the late nineteenth century to the midtwentieth century. Our preliminary results show that mutuals were more successful than stock companies in attracting demand from the growing wage-labour population. By introducing the concept of industrial insurance and by keeping claims experiences low, mutual companies were able to efficiently expand their businesses and their market share.
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| 10. |
- Lindmark, Magnus, 1967-
(författare)
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Politiker blundar för orsaken till välfärdens ökade kostnader
- 2018
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Ingår i: Dagens nyheter. - : Bonnier. - 1101-2447.
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Tidskriftsartikel (populärvet., debatt m.m.)abstract
- Förtroendekrisen för de etablerade partierna bottnar i att långsiktigt stigande kostnader för välfärden ignorerats. Talet om höga skatter för att förbättra välfärden är en skönmålning då de höga skatterna täckt upp för stigande kostnader. Och produktiviteten i välfärden har inte kunnat höjas med marknadsreformer.
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