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The mismatch between life insurance holdings and financial vulnerabilities : evidence from the survey of consumer finances

Author: B Douglas Bernheim; National Bureau of Economic Research.
Publisher: Cambridge, MA. : National Bureau of Economic Research, ©2001.
Series: Working paper series (National Bureau of Economic Research), no. 8544.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
Abstract: Using the 1995 Survey of Consumer Finances and an elaborate life-cycle model, we quantify the potential financial impact of each individual's death on his or her survivors, and we measure the degree to which life insurance moderates these consequences. Life insurance is essentially uncorrelated with financial vulnerability at every stage of the life cycle. As a result, the impact of insurance among at-risk  Read more...
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Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: B Douglas Bernheim; National Bureau of Economic Research.
OCLC Number: 48896003
Notes: "October 2001."
Description: 1 online resource (46 pages).
Series Title: Working paper series (National Bureau of Economic Research), no. 8544.
Responsibility: by B. Douglas Bernheim [and others].

Abstract:

Abstract: Using the 1995 Survey of Consumer Finances and an elaborate life-cycle model, we quantify the potential financial impact of each individual's death on his or her survivors, and we measure the degree to which life insurance moderates these consequences. Life insurance is essentially uncorrelated with financial vulnerability at every stage of the life cycle. As a result, the impact of insurance among at-risk households is modest, and substantial uninsured vulnerabilities are widespread, particularly among younger couples. Roughly two-thirds of poverty among surviving women and more than one-third of poverty among surviving men results from a failure to insure survivors against an undiminished living standard. We also identify a systematic gender bias: for any given level of financial vulnerability, couples provide significantly more protection for wives than for husbands.

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