This workshop-conference, held on September 25, 2018, was the first in a series of Institute events intended primarily for industry professionals.

This workshop-conference, which was conducted in French, focused on the financial risks faced by seniors and some tools available to them. The event featured the work of researchers from the Retirement and Savings Institute at HEC Montréal, as well as the perspective of practitioners in the fields of insurance and financial services.

Video: A Series of Workshops 

Video: The Context 

Video: In Conclusion

Clip #1: Low Take-up of Long-term Care Insurance

Clip #2: Risk Perceptions and Long-term Care Insurance

Presentation by Pierre-Carl Michaud on annuities and reverse mortgages (in French)

Corresponding Working Papers:

Full Version

Clip #1: Background of the Products

Clip #2: Demand for Reverse Mortgages

Clip #3: Demand for Annuities

Clip #4: Findings and Conclusions


Moderator: Bernard Morency

Panel Introduction

Michel St-Germain on Annuities

Nathalie Tremblay on Long-Term Care Insurance

Eric Bisaillon on Reverse Mortgages

Panel : Challenges and Opportunities of Financial Risks Associated with Old Age

With the contribution of: