{"id":"W3202078594","doi":"10.1016/j.insmatheco.2022.03.004","title":"Refundable income annuities: Feasibility of money-back guarantees","year":2022,"lang":"en","type":"article","venue":"Insurance Mathematics and Economics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":9,"is_retracted":false,"has_abstract":false,"ca_institutions":"York University","funders":"Natural Sciences and Engineering Research Council of Canada","keywords":"Beneficiary; Economics; Cash; Valuation (finance); Actuarial science; Pension; Inflation (cosmology); Value (mathematics); Payment; Microeconomics; Finance; Computer science","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.000551133,0.0001571212,0.0004143704,0.0001595752,0.0002531693,0.0001113215,0.0002387445,0.00003107693,0.0005626396],"category_scores_gemma":[0.00005545504,0.0001626313,0.0001032287,0.0002285112,0.00008083039,0.0005176175,0.0003191933,0.00009666208,0.00004862515],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005184973,"about_ca_system_score_gemma":0.00001851549,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002702913,"about_ca_topic_score_gemma":0.00008228747,"domain_scores_codex":[0.9988638,0.00000652661,0.0005715064,0.0002484151,0.0001154388,0.000194331],"domain_scores_gemma":[0.999023,0.00005126423,0.0004803309,0.0003494844,0.00008601282,0.00000993943],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00005268778,0.0002271658,0.9430643,0.0009196908,0.00002428712,0.000001717477,0.0005379607,0.001358761,0.00009680168,0.05304901,0.0003631859,0.000304476],"study_design_scores_gemma":[0.003119521,0.0001477382,0.4237977,0.0003095505,0.0002270298,0.00001617232,0.003793776,0.1952415,0.0002326063,0.3166317,0.05476325,0.001719495],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9952918,0.0001490996,0.00001916797,0.00006478187,0.0001482955,0.0002081851,0.0000548158,0.00002447898,0.004039431],"genre_scores_gemma":[0.9980409,0.00005801877,0.001189855,0.00021679,0.0000981311,0.00001828671,0.0000205314,0.00002238378,0.0003351412],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5192666,"threshold_uncertainty_score":0.6631913,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02336383249555333,"score_gpt":0.2218403321719253,"score_spread":0.198476499676372,"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."}}