TAILIEUCHUNG - Lifetime Financial Advice: Human Capital, Asset Allocation, and Insurance

The prominence of private health insurance has been buttressed by government interventions directed at PHI markets in several OECD health systems, although the effectiveness of policies aimed at increasing market size and fostering outcome quality has differed widely. Australia, Ireland, the Netherlands, Germany, Switzerland and the United States have promoted and maintained a large and viable private health insurance market because policy makers have concluded that mixed public-private coverage systems can better deliver desired health policy and social outcomes. These governments have used regulation18 and fiscal instruments to steer and encourage PHI markets. In Ireland and Australia, regulation has been one main factor in encouraging consumer demand. | Roger G. Ibbotson Yale School of Management Zebra Capital Management Moshe A. Milevsky Schulich School of Business York University IFID Centre Peng Chen CFA Ibbotson Associates Kevin X. Zhu Ibbotson Associates Lifetime Financial Advice Human Capital Asset Allocation and Insurance im OFCFA INSITJ U IT Statement of Purpose The Research Foundation of CFA Institute is a not-for-profit organization established to promote the development and dissemination of relevant research for investment practitioners worldwide. Neither the Research Foundation CFA Institute nor the publication s editorial staff is responsible for facts and opinions presented in this publication. This publication reflects the views of the authors and does not represent the official views of the Research Foundation or CFA Institute. The Research Foundation of CFA Institute and the Research Foundation logo are trademarks owned by The Research Foundation of CFA Institute. CFA Chartered Financial Analyst AIMR-PPS and GIPS are just a few of the trademarks owned by CFA Institute. To view a list of CFA Institute trademarks and a Guide for the Use of CFA Institute Marks please visit our website at . 2007 The Research Foundation of CFA Institute All rights reserved. No part of this publication may be reproduced stored in a retrieval system or transmitted in any form or by any means electronic mechanical photocopying recording or otherwise without the prior written permission of the copyright holder. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal accounting or other professional service. If legal advice or other expert assistance is required the services of a competent professional should be sought. ISBN 978-0-943205-94-6 6 April 2007 Editorial Staff Elizabeth A. Collins Book Editor David L. Hess Assistant Editor Kara H. Morris .

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