{"id":"W3211997720","doi":"10.2139/ssrn.3570066","title":"Annuity and Insurance Choice Under Habit Formation","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Insurance, Mortality, Demography, Risk Management","field":"Social Sciences","cited_by":8,"is_retracted":false,"has_abstract":false,"ca_institutions":"Wilfrid Laurier University; University of Waterloo","funders":"","keywords":"Bequest; Habit; Economics; Annuity; Portfolio; Life insurance; Life annuity; Consumption (sociology); Microeconomics; Actuarial science; Financial economics; Pension; Finance; Psychology","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001793424,0.0001223191,0.000152113,0.0000715382,0.0007843401,0.0001708235,0.0002812261,0.00006922624,0.00002312357],"category_scores_gemma":[0.0001245402,0.0001199389,0.00008289588,0.0003887429,0.0001621979,0.0008387365,0.00004191498,0.0009373713,0.00002568608],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003867302,"about_ca_system_score_gemma":0.0004909472,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0006318064,"about_ca_topic_score_gemma":0.01320931,"domain_scores_codex":[0.9974342,0.0002239264,0.0002540794,0.0001882925,0.0004890657,0.001410432],"domain_scores_gemma":[0.9994218,0.00004331884,0.0001790252,0.00009259565,0.0001046691,0.0001586071],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.00005354744,0.00007494128,0.2861692,0.00003784081,0.0001777491,0.000004198311,0.00774061,0.000113658,0.00007327541,0.6459715,0.000950978,0.05863249],"study_design_scores_gemma":[0.001506967,0.000336317,0.554635,0.00003194827,0.00007322839,0.00003207625,0.02009114,0.0002725587,0.00003088547,0.3348626,0.08757027,0.0005569799],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9636148,0.00289188,0.009308543,0.01419361,0.0002399298,0.0003055753,0.000004704078,0.00009494332,0.009346065],"genre_scores_gemma":[0.9902759,0.00786374,0.00005205821,0.001070703,0.0005016876,0.00000488827,0.000001554134,0.00001132998,0.0002181595],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3111089,"threshold_uncertainty_score":0.7371106,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01880066851853483,"score_gpt":0.2811626732234167,"score_spread":0.2623620047048819,"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."}}