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Working Paper
New Evidence on an Old Unanswered Question : Why Some Borrowers Purchase Credit Insurance and Other Debt Protection and Some Do Not
Elliehausen, Gregory E.; Durkin, Thomas A. (2017-12-18)
Credit related insurance and other debt protection are products sold in conjunction with credit that extinguish a consumer?s debt or suspends its periodic payments if events like death, disability, or involuntary unemployment occur. High penetration rates observed in the 1950s and 1960s raised concerns about coercion in the sale of credit insurance. This study presents evidence on credit insurance purchase and debt protection decisions from a new survey. The findings provide little evidence of widespread or systematic coercion in purchases. Instead, findings suggest that risk aversion and ...
Finance and Economics Discussion Series , Paper 2017-122

Journal Article
Estimating the funding gap of the Pension Benefit Guaranty Corporation
Hirtle, Beverly; Estrella, Arturo; Brehm, John A. (1988-10)
Quarterly Review , Volume 13 , Issue Aut , Pages 45-59

Working Paper
Insuring student loans against the risk of college failure
Ionescu, Felicia; Chatterjee, Satyajit (2010)
Participants in student loan programs must repay loans in full regardless of whether they complete college. But many students who take out a loan do not earn a degree (the dropout rate among college students is between 33 to 50 percent). The authors examine whether insurance against college-failure risk can be offered, taking into account moral hazard and adverse selection. To do so, they develop a model that accounts for college enrollment, dropout, and completion rates among new high school graduates in the US and use that model to study the feasibility and optimality of offering insurance ...
Working Papers , Paper 10-31

Working Paper
The adequacy of life insurance: evidence from the health and retirement survey
Bernheim, B. Douglas; Gokhale, Jagadeesh; Forni, Lorenzo; Kotlikoff, Laurence J. (1999)
This study examines life insurance adequacy among married American couples approaching retirement based on the 1992 Health and Retirement Survey with matched Social Security earnings histories. It evaluates each household's life insurance needs based on new financial planning software that embodies a life-cycle-planning model and covers a broad array of demographic, economic, and financial characteristics. A sizable minority of households are significantly underinsured. Almost one third of wives and over 10 percent of husbands would have suffered living-standard reductions greater than 20 ...
Working Papers (Old Series) , Paper 9914

Journal Article
The federal safety net: not for banks only
Kaufman, George G. (1987-11)
Economic Perspectives , Volume 11 , Issue Nov

Working Paper
Risk taking and the quality of informal insurance: gambling and remittances in Thailand
Paulson, Anna L.; Miller, Douglas L. (2007)
More than 35% of Thai households either give or receive remittances, and remittances account for about one-third of the income of the receiving households. Remittance relationships may be an important source of protection against adverse events for the individuals involved. This paper provides evidence that remittances behave in a way that is consistent with insurance: they are sensitive to shocks to regional rainfall and they respond to household level events. The paper goes on to consider how the quality of insurance that is offered through remittances affects household risk taking ...
Working Paper Series , Paper WP-07-01

Journal Article
Statement to Congress, October 5, 1993 (interstate banking and insurance provisions of S. 543)
LaWare, John P. (1993-12)
Federal Reserve Bulletin , Issue Dec , Pages 1093-1097

Working Paper
Insuring college failure risk
Ionescu, Felicia; Chatterjee, Satyajit (2010)
Participants in student loan programs must repay loans in full regardless of whether they complete college. But many students who take out a loan do not earn a degree (the dropout rate among college students is between 33 to 50 percent). The authors examine whether insurance against college-failure risk can be offered, taking into account moral hazard and adverse selection. To do so, they developed a model that accounts for college enrollment, dropout, and completion rates among new high school graduates in the US and use that model to study the feasibility and optimality of offering ...
Working Papers , Paper 10-1

Journal Article
Insurance of commercial bank deposits
Behrens, Carl F. (1950-02)
Federal Reserve Bulletin , Issue Feb , Pages 141-145

Conference Paper
Some evidence on bank holding company regulation: the question of expansion into the insurance business
Weinstein, Mark I.; Campbell, Tim S.; Dietrich, J. Kimball (1985)
Proceedings , Paper 96

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