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How Does Policy Return Affect Surrender Behavior and Technical Provision Valuation of Savings Policies?

https://doi.org/10.2139/ssrn.4297006
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20/20 checkable references clean · checked 2026-08-25

Every reference with a DOI in the deposited reference list resolved to a known work in Crossref or DataCite at the dated check, and none carried a retraction, withdrawal, or removal notice.

11 without a DOI — not checked. A reference deposited without a DOI is never matched by title or guessed at; it stays outside the checked set, and this line discloses that.

The 20 checked references that resolve
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Boys will be Boys: Gender, Overconfidence, and Common Stock Investment
resolves10.1111/j.1540-6261.2009.01448.x
What Drives the Disposition Effect? An Analysis of a Long‐Standing Preference‐Based Explanation
resolves10.1080/14697688.2021.1998586
Life insurance surrender and liquidity risks
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Looking for Someone to Blame: Delegation, Cognitive Dissonance, and the Disposition Effect
resolves10.1111/j.1539-6975.2012.01504.x
What Policy Features Determine Life Insurance Lapse? An Analysis of the German Market
resolves10.1108/JRF-12-2012-0088
Research on lapse in life insurance: what has been done and what needs to be done?
resolves10.1080/10920277.2013.803438
Life Insurance Lapse Behavior
resolves10.1016/j.econlet.2011.03.038
Is there dynamic adverse selection in the life insurance market?
resolves10.1080/15427560.2011.601976
Does Prospect Theory Explain the Disposition Effect?
resolves10.1016/j.jfineco.2008.05.003
Individual investor mutual fund flows☆
resolves10.1017/S0022109010000244
Prospect Theory and the Disposition Effect
resolves10.1080/10920277.2012.10590632
Main Determinants of Lapse in the German Life Insurance Industry
resolves10.1080/10920277.2005.10596225
Modeling Surrender and Lapse Rates With Economic Variables
resolves10.1111/jori.12076
On the Propensity to Surrender a Variable Annuity Contract: An Empirical Analysis of Dynamic Policyholder Behavior
resolves10.1111/1539-6975.t01-1-00061
An Empirical Study on the Lapse Rate: The Cointegration Approach
resolves10.1016/j.jbankfin.2017.02.011
Don’t lapse into temptation: a behavioral explanation for policy surrender
resolves10.1111/0022-1082.00072
Are Investors Reluctant to Realize Their Losses?
resolves10.1111/j.1539-6975.2011.01420.x
<scp>Commitment and Lapse Behavior in Long‐Term Insurance: A Case Study</scp>
resolves10.1111/j.1540-6261.1985.tb05002.x
The Disposition to Sell Winners Too Early and Ride Losers Too Long: Theory and Evidence
resolves10.1287/mksc.4.3.199
Mental Accounting and Consumer Choice
The 11 references without a DOI — listed, not checked
no DOI — not checkedFight or flight? portfolio rebalancing by individual investors
no DOI — not checkedInterest rates, the emergency fund hypothesis and saving through endowment policies: Some empirical evidence for the u.k
no DOI — not checkedPension fund investment performance-what method to use when
no DOI — not checkedInsurance savings time series
no DOI — not checkedProspect theory: An analysis of decision under risk
no DOI — not checkedref16
no DOI — not checkedSurrender triggers in life insurance: What main features affect the surrender behavior in a classical economic context
no DOI — not checkedDoes cognitive ability impact life insurance policy lapsation?
no DOI — not checkedWhole-life insurance lapse rates and the emergency fund hypothesis
no DOI — not checkedHousehold investment assets
no DOI — not checkedCommission delegated regulation (eu) 2015/35
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