TITLE
"Loading Factors and Equilibria in Insurance Markets," Journal of Insurance Issues, Yoram Eden, Eliakim Katz, and Jacob Rosenberg, Spring 2003, Vol. 26, No. 1, pp. 52-62. Entire article in Acrobat format.

ABSTRACT
This paper examines the effects of introducing positive loading factors into insurance premia, in insurance markets consisting of groups of individuals in different risk categories.  It is shown that such loading factors may have far-reaching effects on insurance market equilibria. 

[Keywords: loading, equilibria, insurance premia]