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This book examines the challenges for the life insurance sector in Europe arising from new technologies, socio-cultural and demographic trends, and the financial crisis. It presents theoretical and applied research in all areas related to life insurance products and markets, and explores future determinants of the insurance industry’s development by highlighting novel solutions in insurance supervision and trends in consumer protection. Drawing on their academic and practical expertise, the contributors identify problems relating to risk analysis and evaluation, demographic challenges, consumer protection, product distribution, mortality risk modeling, applications of life insurance in contemporary pension systems, financial stability and solvency of life insurers. They also examine the impact of population aging on life insurance markets and the role of digitalization. Lastly, based on an analysis of early experiences with the implementation of the Solvency II system, the book provides policy recommendations for the development of life insurance in Europe.

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Embarking from a model of social capital hinging upon four social structures—work, family, social networks, and voluntary associations—Brian Jones empirically examines the widespread claims that American society is becoming less sociable, trusting, and cooperative. Breaking down datasets drawn from the General Social Survey (conducted 27 times from 1972 to 2008), Social Capital in American Life depicts the social values drawn from the four established social structures, as well as their interrelationships, their determinants, and ultimately their social capital, through a series of statistical and econometric methods. This rigorous, empirically driven analysis reveals how American society both confirms and repudiates fears about decreased cooperation given different cases and parameters.

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