Academic Papers

1900-1959

  • 1905 – AP – The Cost of Life Insurance, by Allan H. Willett – 25p
  • 1928 – AP – The Investment Element in Life-Insurance Contracts – Business, by S. H. Nerlove – 22p 
  • 1929 – AP – The Life Insurance Actuary and his Mathematics – Math, by Raymond V. Carpenter – 9p 
  • 1941 – AP – Mathematics for Prospective Teachers in Elementary Schools – Education, by Ralph Mansfield – 4p 

1970s

  • 1970 – AP – The Market for Lemons: Quality, Uncertainty, and the Market Mechanism, by George Akerlof, Quarterly Journal of Economics, LXXIV: 488-50 – 14p
  • 1972 – AP – An Empirical Investigation of Attitudes Toward the Life Insurance – Marketing, by O. C. Ferrell Jr. – 181p 
  • 1975 – AP – The Concept of the Level-Premium Whole Life Policy Reexamined, by Robert I. Mehr – 14p
  • 1978 – AP – Human Values and the Market The Case of Life Insurance and Death in 19th-Century, by Viviana A. Zelizer – 21p 

1980s

  • 1980 – AP – Models in Insurance Paradigms Puzzles, Communications and Revolutions – Operations Research, by William S. Jewell – 128p  
  • 1981 – AP – On the Rate Structure of the American Life Insurance Market – Finance, by Ralph A. Winter – 17p 
  • 1981 – AP – The NAIC Model Life Insurance Solicitation Regulation: Measuring the Consumer Impact in New Jersey, by Roger A. Formisano – 22p
  • 1982 – AP – Using Information-Processing Principles in Public Policymaking – Marketing – 21p
  • 1983 – AP – A Federal Depository Institutions Life Insurance System, by Joel Seligman – 48p
  • 1983 – AP – Information Search and Price Variability of Individual Life Insurance – Economics, by Michael B. Mazis and Richard Staelin – 19p 
  • 1983 – AP – The Role of the Professional Association in Constructing a Profession – Sociology, by Judith Peavy Alexander – 175p
  • 1985 – AP – Universal / Variable Life Insurance: Policy Purchase Decisions, by Stephen P. D’Arcy and Keun Chang Lee – 58p
  • 1986 – AP – Explanatory Style as a Predictor of Productivity and Quitting among Life Insurance Sales Agents – Psychology, by Martin E. P. Seligman and Peter Schulman – 8p
  • 1986 – AP – A Comparison of Universal/Variable Life Insurance with Similar Unbundled Investment Strategies, by Stephen P. D’Arcy – 62p

1990s

  • 1991 –  AP – Cooperative Game Theory and its Insurance Applications, by Jean Lemaire – 162p
    • 1991 – AP – Cooperative Game Theory and its Insurance Applications, by Jean Lemaire – 24p
  • 1995 – AP – On the Risk of Life Insurance Liabilities Debunking Some Common Pitfalls – Business Finance, by Eric Briys and François de Varenne – 12p 
  • 1996 0721 – AP – Early Interactions between the Life Insurance and Computer Industries:  The Prudential’s Edmund Berkeley and The Society of Actuaries Committee, 1946-1952, by JoAnne Yates, MIT Sloan School of Management – [link]
  • 1997 – AP – Early Interactions Between the Life Insurance Industry and Computer Industries – Technology, by Joanne Yates – 52p 
  • 1997 – AP – What Does it Mean to be a Consumer Representative?, by Brenda Cude – 3p 
  • 1999 – AP – The Structuring of Early Computer Use in Life Insurance, by Joanne Yates, Journal of Design History, Volume 12, Issue 1, Pages 5-24 –

2000s

  • 2000 – AP – Does the Internet Make Markets More Competitive: Evidence from the Life Insurance Industry, by Jeffrey R. Brown and Austan Goolsbee – 30p 
  • 2000 –  AP – The Influence of Compensation and Producer Characteristics on Product Recommendation – Insurance / Communications, by William R. Cupach and James M. Carson – 7p 
  • 2000 – AP – The Nature and Causes of Variation in Insurance Policy Yields – Insurance, by James M. Carson and Mark D. Forster – 18p 
  • 2004 – AP – Universal Life Insurance – Aspects of the Cash Value Development – Insurance, by Martin Birkenheier – 146p 
  • 2006 – AP – Insurance: A Consumer’s Perspective, by Elizabeth Ann Nanke – 80p
  • 2006 – AP – The Institutionalization of Deceptive Sales in Life Insurance, by Richard V.Ericson and Aaron Doyle, British Journal of Criminology, 46, 993-1010. – <WishList>
  • 2008 – AP – Bluffing in Insurance Sales – Ethics, by Hina Butt – 45p
  • 2008 – AP – The Life Insurance Market Asymmetric Information Revisited – Economics, by Daifeng He – 23p 
  • 2008 – AP – The Inversion of Morals in Markets: Death, Benefits, and the Exchange of Life Insurance Policies, by Sarah Quinn, University of California, Berkeley, Department of Sociology – 47p
  • 2009 – AP – The Demand for Life Insurance Policy Loans, by Liebenberg, Carson, Hoyt – 25p-ssrn.com-link
  • 2009 – AP – The Science of Difference: Developing Tools for Discrimination in the American Life Insurance Industry, 1830-1930, by Daniel Bouk. - 350p

2010s

  • 2010 – AP – A Brief Postwar History of US Consumer Finance, Harvard Business School – 53p
  • 2010 – AP – Capitalist Development and Civil War, by Michael Mousseau – 15p 
  • 2010 – AP – Consumer Protection in Markets with Advice – Economics, by Roman Inderst and Marco Ottaviani – 19p 
  • 2010 – AP – Life Insurance Retirement Plans For High Income Individuals – [LIRP], by Johnny Fryar, Jr. and Meyer Drucker – 10p
  • 2010 – AP – Measuring Systemic Risk in the Finance and Insurance Sectors, by Monica Billio – 68p
  • 2010 08 – AP – Systemic Risk and Deposit Insurance Premiums, by Viral V. Acharya – 11p
  • 2011 – AP – Universal Life Insurance Duration Measures, by David Lange, Peter Alonzi and Betty J. Simkins – 14p
  • 2012 – AP – Understanding the Advice of Commissions-Motivated Agents: Evidence from the Indian Life Insurance Market, Santosh Anagol, Shawn Cole, and Shayak Sarkar – 51p
  • 2012 – AP – Understanding the Shift in Demand for Cash Value Life Insurance – Consumer Economics, by Barry S. Mulholland –  34p
  • 2013 – AP – An Empirical Analysis of Life Insurance Policy Surrender Activity, by David T. Russell, Stephen G. Fier, James M. Carson, and Randy E. Dumm – 23p
  • 2013 – AP – Behavioral Economics and Insurance Law – Behavioral Economics / Law, by Tom Baker – 28p
  • 2014 – AP – The Convergence of Insurance with Banking and Securities Industries, and the Limits of Regulatory Arbitrage in Finance, by Matthew C. Turk – 107p
  • 2015 – AP – AIG in Hindsight, by Robert McDonald and Anna Paulson, Journal of Economic Perspectives, VOL. 29, NO. 2, (pp. 81-106) – 29p
  • 2015 – AP – Policyholder Exercise Behavior in Life Insurance: The State of Affairs, by Daniel Bauer – 32p 
  • 2015 – AP – Understanding the Advice of Commissions-Motivated Agents: Evidence from the Indian Life Insurance Market, Working Paper 12-055, Harvard Business School, by Santosh Anagol, Shayak Sarkar and Shawn Cole – 70p
  • 2016 – AP – Taking Shadow Insurance Out of the Shadows: Regulatory Arbitrage, Taxes, and Capital – 57p
  • 2018 – AP – Financial crises at insurance companies: learning from the demise of the National Surety Company during the Great Depression, by Jonathan D. Rose
  • 2018 – AP – Seeking Accounting Arbitrage: Evidence from the US Life Insurance Industry, by Sehwa Kim, University of Chicago Booth School of Business – 60p
  • 2019 0619 – AP – “Abusive” Acts and Practices: Towards a Definition?, by Adam J. Levitin – Written Submission Prepared for CFPB Symposium on “Abusive” – 54p
    • Written Submission Prepared for CFPB Symposium on “Abusive”
  • 2019 – AP – Essays on Shadow Insurance, by Ying Peng – Ph.d. Thesis, Temple University, Dr. Mary A. Weiss, Dissertation Advisor – 143p
  • 2019 – AP – The Future of the US-EU Covered Agreement: How to Drag an Absurdly Federalist Regulatory System into the Global Reinsurance Market, by Bailey Stubbe – 23p
  • 2019 – AP (Economics) – Was the U.S. Life Insurance Industry in Danger of Systemic Risk by Using Derivative Hedging Prior to the 2008 Financial Crisis?, by Etti G. Baranoff, Patrick Brockett, Thomas W. Sager, Bo Shi – [link-Download]

2020s

  • 2020 – AP – Exploring Universal Life Insurance – Actuarial – 47p
    • digital.wpi.edu/concern/student_works/p2676z121?locale=en
      • Exploring_UL_Policy_Example.xlsx
      • Universal_Life_Lesson_Plan_.pptx
    • Abstract
    • This project focused on exploring Universal Life insurance by learning about its history, components, and process of reserving.
    • To conduct our research, we read several textbooks, study notes and a Valuation Manual.
    • We then created an Excel deliverable of a theoretical UL policy, created a Lesson plan about UL to teach to actuarial students, and a paper that explains the ins and outs of UL from a consumer standpoint and how the mechanics of a UL policy would work for a potential policyholder.
  • 2022 – AP – Regulatory Competition in the US Life Insurance Industry, by Johnny Tang – 88p
    • 2024 0307 – UConn Law School – Regulatory Competition in the U.S. Life Insurance Industry, by Johnny Tang, Assistant Professor at Cornell – [VIDEO-YouTube-01:06:43]
  • 2023 – AP – Explaining Consumers’ Progress Through Life Insurance Decision States: The Role of Personal Values and Consumer Characteristics, by Hazel Bateman, Paul Gerrans, Susan Thorp, Yunbo Zen – 32p