“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
Except where otherwise noted, this item's license is described as https://creativecommons.org/licenses/by-nc-nd/3.0/es/