The effects of genetic health risks on personal expected longevity, insurance coverage, and retirement decisions

  • Philipp Koellinger
  • Richard Karlsson Linnér

Life-cycle decisions are in part based on how long people expect to live. Therefore, observable health risks have the potential to affect individual-level decision making. Currently, genetic health information is becoming increasingly available to patients and consumers, but the extent to which genetic information may affect retirement decisions, e.g., savings, insurance coverage, and withdrawals of pension funds, is largely unexplored. We propose a research project that aims to investigate how genetic risk factors and access to genetic information may affect retirement decisions. Our proposed project uses a genetically informed empirical study design, something that has previously not been done.

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.


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