{"id":"W1490761160","doi":"10.1111/j.1539-6975.2013.12014.x","title":"Uncertain Bequest Needs and Long‐Term Insurance Contracts","year":2013,"lang":"en","type":"article","venue":"Journal of Risk & Insurance","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":51,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université du Québec à Montréal","funders":"","keywords":"Bequest; Incentive; Welfare; Actuarial science; Life insurance; Business; Term (time); Economics; Microeconomics; Market economy","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003399957,0.0005568961,0.0006475574,0.0004853114,0.000945093,0.002523045,0.001063656,0.002682477,0.005950776],"category_scores_gemma":[0.01023799,0.0004081246,0.0006763967,0.0005604556,0.002152433,0.00419774,0.001614567,0.002831959,0.0002988805],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001924486,"about_ca_system_score_gemma":0.001273985,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001835546,"about_ca_topic_score_gemma":0.001516154,"domain_scores_codex":[0.9984919,0.0007840612,0.00006753157,0.0001359767,0.0002380539,0.0002825653],"domain_scores_gemma":[0.9908443,0.005369339,0.002094803,0.0003981413,0.0004691191,0.0008242208],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.000162377,0.0003190632,0.005430207,0.0001191159,0.00006613845,0.0007245139,0.000480448,0.08999439,0.001294101,0.8827662,0.00177754,0.01686587],"study_design_scores_gemma":[0.00007997104,0.000265273,0.004458511,0.0001570818,0.00007257854,0.0004547082,0.0004742927,0.2003672,0.0004867721,0.7851356,0.007983647,0.00006448242],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6403279,0.00440349,0.2168268,0.01054651,0.0002898983,0.000199083,0.0003216336,0.00006724421,0.1270175],"genre_scores_gemma":[0.9873531,0.0008042064,0.004924229,0.0001764365,0.00008592189,0.00004522397,0.00003154325,0.000008519647,0.006570784],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.005950776,"threshold_uncertainty_score":0.01990736,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01578768083316469,"score_gpt":0.2152072679395232,"score_spread":0.1994195871063585,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}