Skip to main content
Prod Serv - Kimball Award
Spencer L. Kimball Writing Award

Spencer Le Van Kimball was a world-renowned scholar on insurance law and regulation, who was deeply admired for his integrity, keen insight and zeal for "getting it right." Much of his work in insurance law remains a model for insurance codes today, most notably in the areas of guaranty funds and insurance liquidations.

As an active member of the JIR Board of Directors for nearly 15 years, Kimball played a key role in helping improve the quality and quantity of research on insurance regulatory issues. In 1996, the JIR Article Award was renamed the Spencer L. Kimball Writing Award in honor of Kimball's many contributions to the pages of the JIR and to its various committees.

The Spencer L. Kimball Writing Award acknowledges and encourages outstanding contributions to the Journal of Insurance Regulation. One article is chosen each year for this prestigious $2,000 award.


Year Awarded Author(s) Article Publication Date

Kyeonghee Kim

Xiao (Joyce) Lin

Climate Risks in the Commercial Mortgage Portfolios of Life Insurers: A Focus on Sea Level Rise and Flood Risks 2023 (Vol. 42, No. 8)

Hanchun Zhang

Brenda J. Cude

Lisa Groshong

Katie Keith

The Impact of State Surprise Medical Billing Protections on Consumers with Employer-Sponsored Health Insurance 2022 (Vol. 41, No.1)

Elizabeth Plummer

William F. Wempe

Do Health Insurers Manage Their Medical Loss Ratios? At What Cost? 2021 (Vol. 40, No. 1)

Mary Kelly

Steven G. Bowen

R. Glenn McGillivray

The Earthquake Insurance Protection Gap: 

A Tale of Two Countries

2020 (Vol. 39, No. 11)

Jeffrey S. Paterson 

Cathryn M. Meegan 

Too Close for Comfort: Diminished Effectiveness of Ratio-Based Solvency Monitoring When Insurers Are Located Close to Their State Insurance Regulators 2019 (Vol. 38, No. 10)
2018 Thomas Müller Analyzing the Impact of Time Horizon, Volatility and Profit Margins on Solvency Capital: Proposing a New Model for the Global Regulation of the Insurance Industry 2018 (Vol. 37, No. 4)
2017 Charles C. Yang
Hong-Jen Lin
The (Mis) alignment of Health Insurers' Efficiency Measures from Different Perspectives and Their (Un)linkage with Financial Ratios and Asset Allocation 2017 (Vol. 36, No. 8)


2015 Jing Ai
Patrick L. Brockett
Linda L. Golden
Utai Pitaktong
How to set Rates if you must: An Efficiency-Based Methodology for Setting Promulgated Insurance Rates with an Application to Title Insurance 2015 (Vol. 34, No. 7)

Martin Eling
David Pankoke

Basis Risk, Procyclicality, and Systemic Risk in the Solvency II Equity Risk Module 2014 (Vol. 33, No. 1)
2013 Robert W. Klein
Martin F. Grace
Sharon Tennyson
The Effects of Regulatory Reforms in the South Carolina Auto Insurance Market 2013 (Vol. 32, No. 1)
2012 Robert E. Hoyt
Andre P. Liebenberg
L. Lee Colquitt
Stephen G. Fier
Adverse Selection in the Credit Life Insurance Market  2012 (Vol. 31, No. 7)
2011 Dwight Jaffee
Howard Kunreuther
Erwann Michel-Kerjan
Long-Term Property Insurance 2010
(Vol. 29, No. 7)
2010 Beck A. Taylor
Tracey A. LaPierre
James W. Henderson
Christopher J. Conover
J. Allen Seward
Estimating the Impact of State Health Insurance Mandates on Premium Costs in the Individual Market Spring 2009
(Vol. 27, No. 3)
2009 Martin Eling
Ines Holzmuller
An Overview and Comparison of Risk-Based Capital Standards Summer 2008 
(Vol. 26, No. 4)
2008 Robert Puelz Lessons from the Texas Homeowners Insurance Crisis Spring 2007
(Vo. 25, No. 3)
2007 George Galster Do Home Insurance Base Premium-Setting Policies Create Disparate Racial Impacts? The Case of Large Insurance Companies in Ohio Summer 2006
(Vol. 24, No. 4)
2006 Howard Kunreuther
Mark V. Pauly
Terrorism Losses and All Perils Insurance Summer 2005
(Vol. 23, No. 4)
2005 Robert W. Cooper Responding to Alleged Fraud in Certain Broker Compensation Arrangements: The Need for a More Transparent Crisis Management Process for Regulators – Part 1 Winter 2004
(Vol. 23, No. 2)
2004 N/A    
2003 N/A    
2002 N/A    
2001 Craig Richardson
Mark A. Hall
Agents' Behavior Under Health Insurance Market Reforms

Spring 2000
(Vol. 18, No. 3)

2000 William M. Sneed The McCarran-Ferguson Act and Insurance Insolvency: Judicial Developments Since United States Dep't of Treasury v. Fabe Summer 1999
(Vol. 17, No. 4)
1999 Patrick P. Fee
Robert W. Klein
Martin Grace
Scott E. Harrington
Identifying Troubled Life Insurers: An Analysis of the NAIC FAST System

Spring 1998
(Vol. 16, No. 3)

1998 Rade T. Musulin Issues in Regulatory Acceptance of Computer Modeling for Property Insurance Ratemaking Spring 1997
(Vol. 15, No. 3)
1997 William T. Moore
Julie A.B. Cagle
Robert L. Lippert
Kenneth W. Faig, Jr.

Demutualization in the Property-Liability Insurance Industry

Diversity of State Valuation Laws and Regulations: Opportunity or Curse?

Spring 1996 
(Vol. 14, No. 3)

Winter 1996
(Vol. 15 No. 2

1996 Robert W. Klein
Michael M. Barth
Robert Hoyt
Reesa Williams

Solvency Monitoring in the Twenty-First Century

The Effectiveness of Catastrophe Futures as a Hedging Mechanism for Insurers: An Empirical and Regulatory Analysis

Spring 1995 
(Vol. 13, No. 3)

Fall 1995
(Vol. 14, No. 1)