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Managing policy lap...
Managing policy lapse risk in Sweden's life insurance market between 1915 and 1947
- Article/chapterEnglish2020
Publisher, publication year, extent ...
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2018-02-22
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Routledge,2020
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electronicrdacarrier
Numbers
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LIBRIS-ID:oai:DiVA.org:umu-145253
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https://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-145253URI
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https://doi.org/10.1080/00076791.2017.1418331DOI
Supplementary language notes
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Language:English
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Summary in:English
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Subject category:ref swepub-contenttype
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Subject category:art swepub-publicationtype
Notes
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Published online: 22 Feb 2018
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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.
Subject headings and genre
Added entries (persons, corporate bodies, meetings, titles ...)
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Andersson, Lars Fredrik,1974-Umeå universitet,Institutionen för geografi och ekonomisk historia(Swepub:umu)laan0003
(author)
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Lindmark, Magnus,1967-Umeå universitet,Institutionen för geografi och ekonomisk historia(Swepub:umu)mali0013
(author)
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Eriksson, Liselotte,1978-Umeå universitet,Umeå centrum för genusstudier (UCGS)(Swepub:umu)lieeon02
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Veprauskaite, Elena
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Umeå universitetInstitutionen för geografi och ekonomisk historia
(creator_code:org_t)
Related titles
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In:Business History: Routledge62:2, s. 222-2390007-67911743-7938
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