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The Basle II parameter called Loss Given Default (LGD) aims to estimate the expected losses on not yet defaulted accounts in the case of default. Banks firstly need to collect historical recovery data...
To combat adverse selection, governments increasingly base payments to health plans and providers on enrollees’ scores from risk-adjustment formulae. In response to evidence of plan overpayments due t...
We analyze the extent to which individuals’ choices over five employerprovided insurance coverage decisions and one 401(k) investment decision exhibit systematic patterns, as would be implied by a g...
The purpose of this paper is to examine whether people treat all forms of uncertainty in the same way. Studies investigating known-risk gambles and ambiguous gambles have systematically used the urn c...
Determinants of risk attitudes of individuals are of great interest in the growing area of behavioral economics that focuses on the individual attributes, psychological or otherwise, that shape common...
To examine how much pooling of risks occurs among potential purchasers in the individual market, how much pooling occurs among those who purchase coverage, and whether there is greater pooling among l...
We consider the optimal choice problem by a risk-bearing function for an insurer to divide risks between him and his clients in a dynamic insurance model, the so-called Cramer-Lundberg risk process. I...
To compare insured youth (age 15–25 years) with and without disabilities on risk of insurance loss. We conducted a cross-sectional study using data from the Survey of Income and Program Participation ...
The article focuses on the Risk Management and Insurance (RMI) program offered at the University of Mississippi or the Ole Miss. The program is one of the oldest RMI programs in the world, in which th...
Responding to the increasing cost of providing employee health care benefits, employers have instituted a number of direct (e.g., reduced benefits, limited access, increased co-payments, etc.) and ind...
Limited liability creates a conflict of interests between policyholders and shareholders of insurance companies. It provides shareholders with incentives to increase the risk of the insurer's assets a...
The Risk Management and Insurance Department is one of the largest and finest academic programs dedicated to risk management research and education anywhere in the world. More than 20 faculty conduct ...
Center for Risk Management and Insurance Research is in the J. Mack Robinson College of Business at Georgia State University. Established in 1969, the Center studies and disseminates information on tr...
At International Risk Management Institute, our mission is to be the premier authority in providing expert advice and practical strategies for risk management, insurance, and legal professionals. We w...
The Risk and Insurance Management Society, Inc. (RIMS) is a not-for-profit organization dedicated to advancing the practice of risk management, a professional discipline that protects physical, financ...

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