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The Mismatch Between Life Insurance Holdings and Financial Vulnerabilities: Evidence from the Health and Retirement Study by B. Douglas Bernheim, Lorenzo Forni, Jagadeesh Gokhale and Laurence J. Kotlikoff. Published in volume 93, issue 1, pages 354-365 of American Economic Review, March 2003
Bernheim et al. (Sat,) studied this question.
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