@misc{GemmoGoetz2019,
  author    = {Irina Gemmo and Martin G{\"o}tz},
  title     = {Life insurance and demographic change : an empirical analysis of surrender decisions based on panel data},
  number    = {December 2016},
  url       = {https://ssrn.com/abstract=3230274},
  institution = {Wirtschaftswissenschaften},
  series    = {SAFE working paper},
  number    = {240},
  type      = {workingpaper},
  pages     = {33},
  year        = {2019},
}