MAP20080052690 Horneff, Wofram J. Optimal gradual annuitization : quantifying the costs of switching to annuities / Wolfram J. Horneff, Raimond H. Maurer, Michael Z. Stamos En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/12/2008 Tomo 75 Número 4 - 2008 I. Maurer, Raimond H. . II. Stamos, Michael Z. . III. Título.