{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002786433,0.0001511607,0.0004103489,0.000708863,0.0005148418,0.001906836,0.0004464147,0.001382296,0.009256785],"category_scores_gemma":[0.009755657,0.0002111845,0.0004214284,0.0006390787,0.001311504,0.001380027,0.001081462,0.001141156,0.000506878],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000708342,"about_ca_system_score_gemma":0.0005782818,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005250875,"about_ca_topic_score_gemma":0.006319605,"domain_scores_codex":[0.9994283,0.0002547606,0.00002936268,0.00006338022,0.0000401503,0.0001840341],"domain_scores_gemma":[0.9870344,0.007321276,0.002585643,0.000458017,0.0002922598,0.002308411],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00253362,0.001377322,0.8902035,0.00006265412,0.0002707699,0.001091035,0.001610725,0.01086878,0.001171009,0.0688419,0.0008713064,0.02109744],"study_design_scores_gemma":[0.0002606683,0.001292243,0.7363476,0.00004684492,0.0002660758,0.0007750194,0.004920281,0.0586269,0.0007794765,0.1941699,0.002442454,0.00007262648],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9952081,0.0001626551,0.000864535,0.0009107258,0.000008329579,0.00001078399,0.0001200911,0.000006344386,0.00270849],"genre_scores_gemma":[0.9983305,0.00007578993,0.00006016899,0.00003699788,0.00001216787,0.000003047709,0.00004227156,0.000001183724,0.001437917],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009256785,"threshold_uncertainty_score":0.030967,"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."}}