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Individual Private Pension Insurances : the effects of sociodemographics characteristics on poverty

Legendre, Bérangère; Clark, Gordon; El Mekkaoui de Freitas, Najat (2009-12), Individual Private Pension Insurances : the effects of sociodemographics characteristics on poverty, Workshop Households, risk and insurance, 2010-01, Paris, France

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ELMEKKAOUI_LEGENDRE_CLARK_Poverty_insurance_16Dec.pdf (86.23Kb)
Type
Communication / Conférence
Date
2009-12
Conference title
Workshop Households, risk and insurance
Conference date
2010-01
Conference city
Paris
Conference country
France
Pages
21
Metadata
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Author(s)
Legendre, Bérangère
Clark, Gordon
El Mekkaoui de Freitas, Najat
Abstract (EN)
Funded private pillars are well developed in many countries such as the United States, the United Kingdom, Canada, Switzerland and the Netherlands. In France, the development of occupational pension plans has been limited. However, in this country, households tend to increase their personal saving by contracting life insurances in order to finance their retirement. By encouraging the individualization of retirement planning, reforms of public pension systems could expose a vulnerable part of the population to the risk of poverty. Among households, lowincome and women are particularly vulnerable during their working life and then during their retirement period. In France and in other OECD countries, the trend to have more individualized pension raises the question of the poverty during the retirement period. In this context, could life insurances and private pension contracts avoid the risk of poverty ? In this paper, we analyze the behaviour of life insurance holding in France, by using an econometric model and studying statistically the risk of poverty among Retired.
Subjects / Keywords
Private pension insurance; ageing; poverty
JEL
C10 - General
I32 - Measurement and Analysis of Poverty
J26 - Retirement; Retirement Policies
G22 - Insurance; Insurance Companies; Actuarial Studies

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