@misc{GemmoGoetz2016,
  author    = {Irina Gemmo and Martin G{\"o}tz},
  title     = {Life insurance and demographic change : an empirical analysis of surrender decisions based on panel data},
  edition   = {This version: December 2016},
  url       = {https://www.icir.de/fileadmin/user_upload/editors/documents/working_papers/wp_24_16.pdf},
  institution = {Wirtschaftswissenschaften},
  series    = {ICIR Working Paper Series},
  number    = {No. 24/2016},
  type      = {workingpaper},
  pages     = {31},
  year        = {2016},
}