{"id":"W4226060295","doi":"10.1016/j.insmatheco.2022.04.003","title":"Annuity and insurance choice under habit formation","year":2022,"lang":"en","type":"article","venue":"Insurance Mathematics and Economics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":13,"is_retracted":false,"has_abstract":false,"ca_institutions":"Wilfrid Laurier University","funders":"","keywords":"Bequest; Annuity; Economics; Life annuity; Habit; Portfolio; Life insurance; Actuarial science; Consumption (sociology); Microeconomics; Financial economics; Pension; Finance","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":[0.0003570821,0.0001564385,0.0002582237,0.0001405846,0.0004819082,0.0002573011,0.0001391468,0.00003201161,0.00009374039],"category_scores_gemma":[0.00004715587,0.000166678,0.00004925552,0.0001795347,0.00004897723,0.001135689,0.0002630219,0.000112708,0.0000278494],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004448057,"about_ca_system_score_gemma":0.000008434137,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001532556,"about_ca_topic_score_gemma":0.0001693572,"domain_scores_codex":[0.9991045,0.000005584398,0.0003734456,0.0002273176,0.00009960918,0.000189534],"domain_scores_gemma":[0.9993418,0.00005423386,0.0003321681,0.0002015726,0.00005650004,0.00001371832],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00002557779,0.0001506294,0.9002234,0.0005696107,0.00002096582,0.000001983148,0.0005214013,0.001846748,0.0001150753,0.09199356,0.0007130621,0.003817932],"study_design_scores_gemma":[0.0009107711,0.0000204725,0.7900823,0.00004905535,0.00004967734,0.00001286922,0.0005350016,0.1117072,0.00002604053,0.05814919,0.03790774,0.0005496336],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9972943,0.0001799473,0.00009322182,0.0002663456,0.000145824,0.0001865724,0.00002779154,0.00004087453,0.001765092],"genre_scores_gemma":[0.9980746,0.000107284,0.0005959007,0.0008730255,0.0001619774,0.00003265107,0.00002807315,0.0000207688,0.0001057127],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1101412,"threshold_uncertainty_score":0.6796931,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01697406396711821,"score_gpt":0.2047457469208766,"score_spread":0.1877716829537584,"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."}}