Insurance and Behavioral Economics: Improving Decisions in the Most Misunderstood Industry

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9780521608268: Insurance and Behavioral Economics: Improving Decisions in the Most Misunderstood Industry

This book examines the behavior of individuals at risk and insurance industry decision makers involved in selling, buying and regulation. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory. Where actual choices stray from predictions, the behavior is considered to be anomalous. Howard C. Kunreuther, Mark Pauly and Stacey McMorrow attempt to understand why these anomalies occur, in many cases using insights from behavioral economics. The authors then consider if and how such behavioral anomalies could be modified to improve individual and social welfare. This book describes situations in which both public policy and the insurance industry's collective posture need to change. This may require incentives, rules and institutions to help reduce both inefficient and anomalous behavior, thereby encouraging behavior that will improve individual and social welfare.

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Recensione:

'For too many people insurance is a mystery not worth solving. The authors of Insurance and Behavioral Economics shed valuable light on insurance products and providers in an insightful examination for the benefit of consumers, analysts, and students of the business. Even the industry would be wise to study the authors' research, conclusions, and recommendations.' Franklin Nutter, President, Reinsurance Association of America

'A challenging and surprisingly engaging analysis of how insurance markets really function. You don't need to agree with all the analyses or recommendations … to recognize that this book is going to be widely read and broadly influential among insurers and regulators.' Leigh Ann Pusey, President and CEO, American Insurance Association

'This book presents a brilliant analysis of the insurance industry as it exists today and will evolve tomorrow. Insurance is fundamental to everything we do: we can see in this book how we can make much better use of it, to improve all of our lives.' Robert Shiller, Yale University

'Insurance is a vital tool for managing risk, but it is misunderstood by consumers, regulators, and industry executives in ways that greatly reduce its effectiveness. In this superb book, Kunreuther, Pauly, and McMorrow employ insights from behavioral economics to clarify these misunderstandings and point the way toward more rational use of insurance to enhance individual and societal welfare.' Paul Slovic, University of Oregon and author of The Feeling of Risk

'Regulators and policy makers have long known that consumers often make seemingly irrational choices when it comes to insurance. Drawing on behavioral economics, the authors provide a framework to understand insurance market anomalies - in both demand and supply - and to evaluate alternative policy prescriptions. Their work is a significant contribution to the discussion on how to best structure insurance regulation to the benefit of consumers and society.' Terri M. Vaughan, Chief Executive Officer, National Association of Insurance Commissioners

'Psychologically, it's hard for most of us to take the initiative on long-term, ill-defined risks. Three scholars - Howard C. Kunreuther and Mark V. Pauly of the University of Pennsylvania and Stacey McMorrow of the Urban Institute - show this in their book. But they argue that if we're aware of them, these psychological impediments can be reduced, and they urge the innovation of long-term risk management contracts that address the problem of climate change.' The New York Times

Descrizione del libro:

This book examines the behavior of individuals at risk and insurance industry decision makers involved in selling, buying and regulation. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory and is designed to eliminate the mistrust that characterizes the insurance industry.

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Howard C. Kunreuther, Mark V. Pauly, Stacey McMorrow
Editore: CAMBRIDGE UNIVERSITY PRESS, United Kingdom (2013)
ISBN 10: 0521608260 ISBN 13: 9780521608268
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Descrizione libro CAMBRIDGE UNIVERSITY PRESS, United Kingdom, 2013. Paperback. Condizione libro: New. 226 x 150 mm. Language: English . Brand New Book. This book examines the behavior of individuals at risk and insurance industry decision makers involved in selling, buying and regulation. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory. Where actual choices stray from predictions, the behavior is considered to be anomalous. Howard C. Kunreuther, Mark Pauly and Stacey McMorrow attempt to understand why these anomalies occur, in many cases using insights from behavioral economics. The authors then consider if and how such behavioral anomalies could be modified to improve individual and social welfare. This book describes situations in which both public policy and the insurance industry s collective posture need to change. This may require incentives, rules and institutions to help reduce both inefficient and anomalous behavior, thereby encouraging behavior that will improve individual and social welfare. Codice libro della libreria AAA9780521608268

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Editore: Cambridge University Press (2013)
ISBN 10: 0521608260 ISBN 13: 9780521608268
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Descrizione libro Cambridge University Press, 2013. PAP. Condizione libro: New. New Book.Shipped from US within 10 to 14 business days. Established seller since 2000. Codice libro della libreria IB-9780521608268

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Howard C. Kunreuther, Mark V. Pauly, Stacey McMorrow
Editore: CAMBRIDGE UNIVERSITY PRESS, United Kingdom (2013)
ISBN 10: 0521608260 ISBN 13: 9780521608268
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Descrizione libro CAMBRIDGE UNIVERSITY PRESS, United Kingdom, 2013. Paperback. Condizione libro: New. 226 x 150 mm. Language: English . Brand New Book. This book examines the behavior of individuals at risk and insurance industry decision makers involved in selling, buying and regulation. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory. Where actual choices stray from predictions, the behavior is considered to be anomalous. Howard C. Kunreuther, Mark Pauly and Stacey McMorrow attempt to understand why these anomalies occur, in many cases using insights from behavioral economics. The authors then consider if and how such behavioral anomalies could be modified to improve individual and social welfare. This book describes situations in which both public policy and the insurance industry s collective posture need to change. This may require incentives, rules and institutions to help reduce both inefficient and anomalous behavior, thereby encouraging behavior that will improve individual and social welfare. Codice libro della libreria AAA9780521608268

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Howard C. Kunreuther, Mark V. Pauly, Stacey McMorrow
Editore: Cambridge University Press 2013-01-28, Cambridge (2013)
ISBN 10: 0521608260 ISBN 13: 9780521608268
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Descrizione libro Cambridge University Press 2013-01-28, Cambridge, 2013. paperback. Condizione libro: New. Codice libro della libreria 9780521608268

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Descrizione libro Cambridge University Press. PAPERBACK. Condizione libro: New. 0521608260 Brand New Book. Ships from the United States. 30 Day Satisfaction Guarantee!. Codice libro della libreria 16003347

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Descrizione libro Cambridge Univ Pr, 2013. Paperback. Condizione libro: Brand New. 1st edition. 244 pages. 9.00x1.00x6.00 inches. In Stock. Codice libro della libreria __0521608260

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Descrizione libro Cambridge University Press, 2013. Paperback. Condizione libro: New. Codice libro della libreria 0521608260

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Descrizione libro Cambridge University Press, 2013. PAP. Condizione libro: New. New Book. Shipped from US within 10 to 14 business days. Established seller since 2000. Codice libro della libreria IB-9780521608268

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Descrizione libro Paperback. Condizione libro: New. 152mm x 23mm x 226mm. Paperback. This book examines the behavior of individuals at risk and insurance industry decision makers involved in selling, buying and regulation. It compares their actions to those predicted by be.Shipping may be from multiple locations in the US or from the UK, depending on stock availability. 338 pages. 0.476. Codice libro della libreria 9780521608268

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