On the choice of insurance distribution systems

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      <subfield code="a">This article examines insurers' choice between independent and exclusive agents. We assume that alternative distribution systems are efficient mechanisms for controlling contracting problems among policy-holders, insurers, and agents. Because the use of independent agents helps control potential expropriate behavior by the insurer, the indepent agency system should be more valuable for ownership structures where such problems are more severe</subfield>
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      <subfield code="g">Vol 63, nº 2, June 1996 ; p. 207-227</subfield>
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