Sojo, Ana <br/><br/>
Social vulnerability, insurance and risk diversification in Latin America and the Caribbean 

 -  2003 
<br/><br/> Analyzes the peculiarities of insurance markets, considering the constraints of the pricing system, the intrinsic characteristics of insurance as an economic good and its dimensions as a public good, its externalities, and risk selection with its adverse effects on equity and efficiency.  Concludes with some thoughts about insurance financing.