The gains from insurance arise from the transfer of income across states. This paper shows that the transfer of gains from insurance across time can help explain low insurance demand, especially among the poor, with results from a randomized control trial on a crop insurance product in Kenya which removes it.
This presentation took place at George Washington University, United States on November 6, 2014 describing how crop yield index insurance in western Kenya.
This presentation took place in University of California Davis, United States describing subsidies and basic savings can be negative complements because of behavioral poverty traps in Mozambique.
