Concurrent Sessions
Concurrent Sessions A
Monday, August 5 | 10:15am - 11:45am
A1 Longevity Risk & Tontines
- Adverse Selection in Tontines
- Nan Zhu, Penn State University
- Risk Aversion and Longevity Risk Transfers: Reinsurance vs. Capital Market Solutions
- HONG LI, University of Guelph
- Individuals' Demand for Retirement Plans
- Prof. Dr. Manuel Rach, Institute of Insurance Economics, University of St. Gallen
A2 Behavioral
- Reference-Dependent Preferences: Evidence on Risk-Taking from Simulated Auto Racing
- Annette Hofmann, University of Cincinnati
- Risk Management and the Autonomy of Labor
- Andreas J. Dambaur, Ludwig-Maximilians-Universität München
- The Right to Be Forgotten in Insurance: Consumer Perceptions, Perceived Price Fairness and Willingness-to-Pay
- Felix Feig, Institute of Insurance Economics, University of St. Gallen
A4 Aging and Risk
- Changes in Willingness to Take Risks in the Golden Years
- Taylor Graciano, University of Georgia
- ‘Til Death Do Us Part: Widowhood and Healthcare Utilization
- Taylor Graciano, University of Georgia
- Older Americans and Life Insurance: Rationalizing Demand and Understanding Payout Utilization Among Surviving Spouses
- SooJin Park, University of Wisconsin - Madison
A5 Health and Governance
- Interconnected Excellence: Co-authorship Networks, Research Performance and Job Change among Risk, Insurance and Actuarial Scholars
- Yijia Lin, University of Nebraska Lincoln
- Pandemic Awakens Health Risk Awareness: Evidence from Insurtech Platform
- The Impact of Retirement Benefit Cuts: Evidence from a Natural Experiment in Pension Reform
- Yen-Chih Chen, Feng Chia University
A6 Claims and distribution
- Claims Adjudication, Insurance Distribution Channel, and Customer Satisfaction
- David Pooser, East Carolina University
- Determinants of Claims Investigation Actions in Private Health Insurance
- Gene Lai, The University of North Carolina at Charlotte
- Terms of Service: Impact of Distribution Channel on the Surrender Rate among Life Insurance Policyholders in Taiwan
- Carol Troy, Tunghai University
Concurrent Sessions B
Monday, August 5 | 1:45pm - 3:15pm
B1 Pension Funding Issues
- How Does Financial Expertise on Corporate Pension Committee Affect Pension Funds’ Risky Asset Allocation?
- Youngkyun Park, University of Idaho
- Can you see state and local pension deficits from space?
- Po-Lin Wang, University of South Flordia
- Welfare Effect of Uniform Variable Annuities for Individuals with Different Education Levels
- Jun-Hee An, Tilburg University
B2 Disaster relief
- After the Storm: How Emergency Liquidity Helps Small Businesses Following Natural Disasters
- Benjamin Collier, Temple University
- Driving up flood risks? Examining vehicle flood exposure, vulnerability, and related disaster assistance outcomes in the United States
- Steven Koller, University of Miami
- The Effect of Disaster Relief on Flood Insurance Demand in Germany
- Frederick Schuh, Universität zu Köln
B3 Insurance Market Theory
- Bundling in Insurance Markets: Theory and an Application to Long-term Care
- Adam Solomon, Massachusetts Institute of Technology
- Information Design in Insurance Markets
- Niklas Haeusle, University St. Gallen
- How loss reduction costs and testing for severity risk affect insurance decisions
- Kar Man Tan, University of Frankfurt am Main
B4 Moral Hazard
- Information Asymmetry and Insurance Broker
- Dingchen Ning, Institute of Insurance Economics, University of St. Gallen
- Experience Rating and Moral Hazard in Auto Insurance Markets
- Pay-As-You-Drive Insurance: Market Segmentation and Environmental Benefits
- Dr. Frank Yulin Feng, Ph.D., Shanghai University of Finance and Economics
B5 Capital Structure
- The impact of internal capital markets on market exit and entry decisions: Evidence from the insurance industry
- Patrick Cho, National Association of Insurance Commissioners
- ARIA Risk Management, Target Capital Structure, and its Deviations: Evidence from the Insurance Industry.docx
- M&As and Internal Capital Market: Evidence from the U.S. Property-Liability Insurance Industry
- Juan Zhang, Eastern Kentucky University
B6 Healthcare and Health Insurance
- Risk Corridors in Medicare Part D: Financial Risk Sharing or Profit Limiting Mechanism?
- Paul HS Kim, Michigan State University
- Your Plan or Your Provider? The Anatomy of a Network Break in Medicare Advantage
- Grace McCormack, University of Southern California
- Cost Uncertainty and Hospital Investment Decisions: Evidence from Trauma Centers
- Meghan Esson, The University of Iowa
Concurrent Sessions C
Monday, August 5 | 3:30pm - 5:00pm
C1 Catastrophe Risk Behavior
- Premium subsidy designs for underinsured perils
- Tim Philippi, University of Hohenheim
- Can investment views explain why people insure their cell phones but not their homes? - A new perspective on the catastrophe insurance puzzle
- Annette Hofmann, University of Cincinnati
- Adapting to Risk: How Work-From-Home Practices Shape Responses to Weather Advisories
- Joyce (Xiao) Lin, St. John's University
C2 Health Insurance Markets
- Government Involvement in a Mandated Insurance Market: The Case of Workers’ Compensation Insurance
- Tyler Q. Welch, University of Wisconsin - Madison
- Did the ACA Inject a Healthy Dose of Discipline in the US Health Insurance Market?
- Joshua D. Frederick, Georgia Southern University
- Premium Subsidy vs. Reinsurance Subsidy Under Financial Frictions: Evidence from Health Insurance Markets
- Paul HS Kim, Michigan State University
C3 Systemic Risk
- Impact of Catastrophe Events on the Systemic Risk of Insurers
- Xinjie Ge, School of Economics, Peking University
- Systemic Risk of Systemically Important Financial Institutions in the Post-2008 Global Financial Crisis Era: A Tail Risk Network Approach
- The Effect of Governmental Disaster Relief on Individuals’ Incentives to Mitigate Losses
- Tobias Huber, School of Risk and Actuarial Studies, Business School, UNSW Sydney
C4 ESG
- Experimental Evidence on the Willingness to Pay for Insurance with Sustainability Components
- Timo Greve, University of Hamburg
- Corporate ESG performance and business efficiency: Evidence from the Korean insurance industry
C5 Insurer Operations
- Financial Reporting and Firm's Investment Strategy: Evidence From the U.S. Insurance Industry
- Dan Yang, Troy University
- Uncertainty and Managerial Discretion: Evidence from Insurance Rate Filings
- Jingshu Luo, University of Mississippi
- Insurer Start-Up Survival
- Dana Telljohann, Florida State University
C6 Derivatives and Insurance
- Flood Risk Premia in CDS Spreads
- Federico Pedretti, Institute of Insurance Economics, University of St. Gallen
- Insurer Hedging and Index Option Prices
- Manuel Mezger, Institute of Insurance Economics, University of St. Gallen
- Risk Valuation with Option Pricing
- Marcel Freyschmidt, University of St. Gallen
Concurrent Sessions D
Tuesday, August 6 | 10:15am - 11:45am
D1 Life insurance and annuity choices
- Trends in Life Annuity Choices by TIAA Participants, 2000 to 2022
- Revisiting Selections in Life Insurance
- Ai Meitong, PhD candidate, Peking University
- Determinants and Implications of the US Insurers’ Voluntary Termination Rates
- Chenghsien Jason Tsai, National Chengchi University
D2 ERM
- A Text-Based Measure of Corporate Risk Management
- Po-Lin Wang, University of South Flordia
- Enterprise Risk Management, External Financing and Corporate Investment
- Xin Che, Cal State Fullerton
- Product Market Competition and Portfolio Choice: Evidence from the U.S. Property-Liability Insurance Industry
- Jeungbo Shim, University of Colorado Denver
D3 Big data and resilience
- Building Disaster Resilience: Leveraging High-Resolution Weather Data in Index Insurance
- Shimeng Huang, University of Wisconsin - Madison
- Satellite-Based Measurement of Urban Household Living Standards
- Prerna Mishra, Georgia State University
- Forecast Improvements and the Demand for Market Insurance
- Vaibhav Anand, St. John’s University
D4 Risk and Insurance Teaching Society (RITS)
- How to Use AI for Insurance Education
- Martin Eling, University of St. Gallen
- Using Generative AI as a Teaching Tool
- James Hilliard, Temple University
- Integrating ChatGPT with Role-Play Simulations for Climate Risk Management Education
- Xiao Xu, University of New South Wales
D5 Cyber Risk
- The Trends and Determinants of Cyber Loss Event on U.S. Insurers
- Cyber Risk Taxonomies: Statistical Analysis of Operational Cybersecurity Risk Classifications
- Matteo Malavasi, School of Risk and Actuarial Studies, Business School, UNSW Sydney
- Moral hazard with interdependent risks: The effect of ex-post effort verification in cyber insurance
- Elisabeth Stöckl, LMU Munich School of Management, MRIC
D6 Renewal behavior
- Behavioral Frictions in Private Health Insurance Market: What does an Automatic Renewal Do?
- Yin Ye, Peking University
- Why additional early reminders don’t work? The anticipation of future reminders and procrastination on insurance renewal
- Jiacheng Liu, Peking University
- Unintended effects of the pandemic on health insurance lapse: the role of narrow framing
- Zining Liu, PhD, Central University of Economics and Finance
Concurrent Sessions E
Tuesday, August 6 | 1:45pm - 3:15pm
E1 Demand for annuities
- Annuity Trial Periods: Overcoming Annuity Hesitancy?
- The Value of Health and Longevity with Stochastic Health Risk and Partial Annuitization
- Xiaoyu Song, University of Wisconsin - Madison
- How Do Health Insurance Costs Affect Low- and High-Income Workers?
- Shan Ge, New York University
E2 Insurance Groups
- Subsidised Illiquidity Insulators - The Effect of FHLB Membership on Life Insurers’ Strategic Asset Allocation
- Manuel Mezger, Institute of Insurance Economics, University of St. Gallen
- Structure and Complexity of Global Insurance Groups
- Artur Dobysh, University of St. Gallen
- The Issuance and Consequences of Surplus Notes in the U.S. Property-Casualty Insurance Industry
- David Pooser, East Carolina University
E3 P&C Insurance Markets
- The Economics of Travel Insurance
- Rob Hoyt, University of Georgia
- The Impact of Surplus Lines and Admitted Affiliation on Risk Taking
- Boyi Zhuang, The University of Alabama
- How do Insurers differ from Banks in Syndicated Loan Markets?
- Min-Teh Yu, National Tsing Hua University
E4 Risk and Insurance Teaching Society (RITS)
- Risk Engineering for Risk Mitigation Pedagogy
- Pamela Hurley, University of Houston Downtown
- From Basics to Boardroom: An Innovative Approach to ERM Education
- Teaching Risk-Retention Trade-offs using an Inventory Control Model
- Puneet Prakash, Missouri State University
E5 Information and Compliance
- Compliance in a Regulatory Setting: A Further Investigation of Transparency
- Risk Microstructure, Risk-Prediction Technology, and Insurance
- Jieyu Lin, Lingnan University
- The Usefulness of Increased Disclosures for Complex Estimates
E6 Life and Health Decisions
- Migration Incentives and Elderly Health: Evidence from the Hukou Reforms in China
- Haotian Zhang, School of Economics, Peking University
- Does a universal health insurance program mitigate intergenerational health persistence? Evidence from rural China
- Tong Hui, Peking University
- Life insurance, decision making and impacts on a life-cycle economy
- Hangsuck Lee, Sungkyunkwan University
Concurrent Sessions F
Wednesday, August 7 | 8:30am - 10:00am
F1 Innovation
- Innovative Pathways in Africa: Navigating the Relationship between Innovation and Insurance through Linear and Non-linear Lenses
- Sylvester Senyo Horvey, University of the Witwatersrand
- Risk underwriting in Decentralized Finance (DeFi): Market stability under prediction market structures (Executive Summary)
- Felix Bekemeier, University of Basel
- Insurance in the Digital Age: On the Drivers of Smart Home Insurance Demand
- Angela Zeier Roeschmann, ZHAW School of Management and Law
F2 Investments and Demand for Insurance
- How Is the Performance of Institutional Investors: Evidence from the Private Equity Infrastructure Fund
- Insurance as Anxiety Antidote? Preference for Uncertainty Resolution and Insurance Demand
- Felix Maximilian Walthes, Institute of Insurance Economics, University of St. Gallen
- What Causes the Disposition Effect? A Model-Independent Analysis
- Dr. Johannes Maier, LMU Munich and MRIC
F3 Insurance Pricing Strategy
- Ownership Form, Rate Regulation, and Insurance Companies' Rate Filing Patterns
- Siegfried Anyomi, University of Iowa
- Are Insurance Prices Always Forward Looking? Evidence from the 2011 Catastrophic Tornadoes
- Boyi Zhuang, The University of Alabama
- Interest Rates, Asset Duration, and P&C Insurers Product Pricing
- Mohammad Soltaninejad, Temple University (Doctoral Student)
F4 Climate Change
- Climate Risk in Insurers’ Municipal Bond Holdings
- The Role of Climate Change Concerns and Firm ESG Performance in Pricing Weather-Related Natural Catastrophes: Evidence from the Catastrophe Bond Market
F5 Capital structure and regulation
- Regulatory Reform and Resilience: The Effect of Certified Reinsurer Programs on U.S. Insurance Markets
- Vaibhav Anand, St. John’s University
- Reinsurance, CAT Bonds and Capital Structure
- Regulatory Pressure and Company Returns: An Empirical Analysis of the P&C Insurance Industry
- Justin Waller, University of Georgia
F6 Health and Health Insurance
- Empowering Portfolios: Health Insurance Ownership and Financial Risk Taking in South Korea
- Hyejeong Mun, Seoul National University and Korea Insurance Research Institute
- Health Expenditure Decisions and China’s Urban-Rural Inequality in Health: A Structural Analysis based on Life Cycle Model
- Yirong Wang, Central University of Finance and Economics
- Longevity Shocks and Household Portfolios
- Julia Braun, University of St.Gallen
Concurrent Sessions G
Wednesday, August 7 | 10:30am - 12:00pm
G1 Flood Insurance
- From Perception to Protection: Field-level Evidence on Determinants of Flood Insurance Uptake
- Lalita Adhikari, University of Georgia
- U.S. Households' Responses to Insurance Premium Change
- Jiyoung Lee, Temple University (Doctoral Student)
G2 Life Insurer Operations
- Life Insurance Portfolio Optimization
- Che-Pin Chen, National Chengchi University
- Life Insurers, Asset Managers, and Regulations
- Kyeonghee Kim, Florida State University College of Business
- Market Discipline in Life Insurance: Does Public Risk Disclosure Encourage Less Risky Management Actions?
- Moritz Hanika, Friedrich-Alexander University Erlangen-Nürnberg (FAU)
G3 Insurance Pricing
- Extreme Driver Detection via Machine Learning
- Yu-Ying Tzeng, National Chengchi University
- Stochastic Dominance and Financial Pricing in Peer-to-Peer Insurance
- Markus Huggenberger, University of St. Gallen
- The Effects of Consumer Litigation Finance on Insurance Pricing
G4 Cyber Risk
- Firm-specific and time-variant effects on cyber risks
- Five Sector Cyber Risk Model
- Marcel Freyschmidt, University of St. Gallen
G5 Catastrophe Insurance Markets
- Physical Climate Risk Factors and an Application to Measuring Insurers’ Climate Risk Exposure
- Shan Ge, New York University
- Climate Change and Cost of Equity Capital for Property Liability Insurers
- Yayuan Ren, Illinois State University
- What is Driving Insurers out of Property Markets? An Empirical Analysis
- Dana Telljohann, Florida State University
Event Mobile App & Printed Program Book
- ARIA uses Whova as its mobile app for Annual Meeting. Access to that will be provided to all attendees closer to the event.
- A program book will also be created. Some printed copies will be available at the check-in area, and a PDF version will be posted here
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