“This is a post-peer-review, pre-copyedit version of an article published in Zeitschrift fur die gesamte Versicherungswissenschaft. The final authenticated version is available online at: http://dx.doi.org/10.1007/s12297-019-00428-x
Excepte que s'indiqui una altra cosa, la llicència de l'ítem es descriu com https://creativecommons.org/licenses/by-nc-nd/3.0/es/