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Pension Design and StructureNew Lessons from Behavioral Finance$
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Olivia S. Mitchell and Stephen P. Utkus

Print publication date: 2004

Print ISBN-13: 9780199273393

Published to Oxford Scholarship Online: January 2005

DOI: 10.1093/0199273391.001.0001

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Perceptions of Mortality Risk: Implications for Annuities

Perceptions of Mortality Risk: Implications for Annuities

(p.275) Chapter 15 Perceptions of Mortality Risk: Implications for Annuities
Pension Design and Structure

Eric T. Sondergeld

Matthew Drinkwater

Oxford University Press

This chapter reviews research on how retirees and near-retirees view and manage mortality risks, and the implications for annuity buying behaviour. It is shown that the ownership of an annuity product is not synonymous with mortality risk transfer. People are becoming less protected over time from mortality risk, as evidenced by the decline in traditional pension plan coverage.

Keywords:   mortality risk, retirees, annuities, retirement income, pension plans

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