Discrimination and Insurance

Forthcoming in "The Routledge Handbook To Discrimination Lippert-Rasmussen Ed,"

U of Texas Law, Law and Econ Research Paper No. E574

28 Pages Posted: 19 Dec 2017

See all articles by Ronen Avraham

Ronen Avraham

Tel Aviv University - Tel Aviv University, Buchmann Faculty of Law; University of Texas at Austin - School of Law

Date Written: December 18, 2017

Abstract

Is it fair and just to charge men and women identical life insurance premiums despite their different actuarial risk? What about charging the old and the young different premiums? As entities whose core business is to classify people based on their actuarial risk, should private insurance companies not be allowed to discriminate between various groups? To answer these and various other questions, I start this chapter by revealing the complete confusion that exists in the legal terrain with respect to antidiscrimination norms in insurance. I then show how philosophers writing about discrimination mostly have been writing at a level of abstraction so high that it comfortably ignores relevant nuances, thus making the entire literature largely useless for any insurance-related policy-making purposes. I conclude by proposing a theoretical framework that can help policy makers apply a fair and just anti-discrimination policy.

Suggested Citation

Avraham, Ronen, Discrimination and Insurance (December 18, 2017). Forthcoming in "The Routledge Handbook To Discrimination Lippert-Rasmussen Ed,"; U of Texas Law, Law and Econ Research Paper No. E574. Available at SSRN: https://ssrn.com/abstract=3089946 or http://dx.doi.org/10.2139/ssrn.3089946

Ronen Avraham (Contact Author)

Tel Aviv University - Tel Aviv University, Buchmann Faculty of Law ( email )

Tel Aviv
Israel

University of Texas at Austin - School of Law ( email )

727 East Dean Keeton Street
Austin, TX 78705
United States
(512) 232-1357 (Phone)

HOME PAGE: http://www.utexas.edu/law/faculty/profile.php?id=ra22397

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