Yu-Luen Ma

Previous Scheduled Teaching

Published Intellectual Contributions

Conference Proceeding

• Ma, Y., Zhu, X., Hu, X., Chiu, Y. (2016). Contextual Driving Risks Analysis Using Dynamic Smartphone-Based Data: The Potential for Usage Based Insurance.
• Ma, Y., Ren, Y. (2015). Is Catering Rewarded?: Evidence from the Insurance Industry.
• Ma, Y., Hu, X., Chiu, Y., Zhu, L. (2015). Studying Driving Risk Factors using Multi-Source Mobile Computing Data. Other.
• Ma, Y., Chiu, Y., Hu, X. (2014). Identifying Driving Risk Factors to Support Usage-Based Insurance using Smartphone Personalized Driving Data.
• Ma, Y., Inoguchi, M., Pope, N., Suzawa, Y. (2014). National Market Economic Growth: The Contributions of Insurance Market Synergies.
• Ma, Y., Pope, N. (2013). Loss Reserve Errors as a Source of Insurer Capital.
• Ma, Y., Pope, N., Yeung, R. (2010). Insurer Performance in the Asian Marketplace: The Impact of Market Structure and Foreign Participation on Market Competitiveness.
• Ma, Y., Pope, N., Xie, X. (2010). The Cost of Insurer Reputation-Protection in the Post-Spitzer Investigation Era: The Impact of Contingent Commission Abandonment.
• Ma, Y., Pope, N., Xie, X. (2009). Contingent Commission and Insurer Efficiency in the Property-Casualty Insurance Marketplace.
• Ma, Y., Huang, L., Lai, G., Pope, N. (2007). Corporate Governance and Non-Life Insurance Efficiency in the Japanese Marketplace.
• Ma, Y., Pope, N. (2006). The Market Structure-Performance Relationship in the International Insurance Sector.
• Ma, Y., Schmit, J., Kerr, D. (2004). Is Liability a Substitute for Social Insurance?.
• Ma, Y., Browne, M., Wang, P. (2004). Reserve Errors and Stock Options.
• Ma, Y., Carson, J., Ostaszewski, K. (2003). What is the true Value of Tax Deferral?. Society of Actuaries.
• Ma, Y., Pope, N. (2002). Determinants of International Insurers’ Participation in Foreign Non-Life Market.

Journal Article

• Ma, Y., Ren, Y. (2023). InsurTech—Promise or Threat? Insights from Stock Market Reaction to InsurTech Innovation. Pacific-Basin Finance Journal. 80 (September) https://doi.org/10.1016/j.pacfin.2023.102059
• Ma, Y., Ren, Y. (2021). Insurer Risk and Performance during the 2007-2008 Financial Crisis: The Role of Monitoring Institutional Ownership. Journal of Risk and Insurance. 88 (2) 351-380.
• Ma, Y., Lei, Y. (2019). Dynamic Analysis of Total Cost of Risk with Simulation Software. Other. 10 (1) 35-50.
• Ma, Y., Pope, N. (2019). The Impact of Sarbanes-Oxley on Property-Casualty Insurer Loss Reserve Estimates. The Geneva Papers on Risk and Insurance: Issues and Practice. 45 (2) 313-334.
• Ma, Y., Hu, X., Zhu, X., Chiu, Y., Tang, Q. (2019). Advancing Usage Based Insurance - A Contextual Driving Risk Modeling and Analysis Approach. IET Intelligent Transport Systems. 13 (3) 453-460.
• Ma, Y., Ren, Y. (2018). Is Catering Rewarded?: Evidence from the Insurance Industry. The Geneva Papers on Risk and Insurance: Issues and Practice. 43 (3) 539-559.
• Ma, Y., Zhu, X., Hu, X., Chiu, Y. (2018). The Use of Insurance Telematics Data in Auto Insurance Rate Making. Transportation Research Part A: Policy and Practice. 113 243-258.
• Ma, Y., Zhu, X., Yuan, Y., Hu, X., Chiu, Y. (2017). A Bayesian Network Model for Contextual versus Non-contextual Driving Behavior Assessment. Transportation Research Part C: Emerging Technologies. 81 172-187.
• Inoguchi, M., Ma, Y., Pope, N., Suzawa, Y. (2016). Insurance business synergies, economic growth and strategic planning. Other. 8 (3) 191-216. Inderscience Publishers.
• Pope, N., Ma, Y. (2016). The Role of Loss Reserves in Smoothing Insurer Cost of Capital. 20 (1) 1-18.
• Hu, X., Chiu, Y., Ma, Y., Zhu, L. (2015). Studying Driving Risk Factors using Multi-Source Mobile Computing Data. Other. 4 (3) 295-312. Elsevier BV. http://dx.doi.org/10.1260/2046-0430.4.3.295
• Ma, Y., Wang, P. (2014). Executive Compensation and Risk Taking in the Property and Liability Insurance Industry. Journal of Insurance Issues. 37 (2) 187-207.
• Ma, Y., Pope, N., Xie, X. (2014). Insurer Performance and Intermediary Remuneration: The Impact of Abandonment of Contingent Commissions. Other. 39 (2) 373-388. Springer Nature. http://dx.doi.org/10.1057/gpp.2013.12
• Ma, Y., Pope, N., Xie, X. (2014). Contingent Commissions, Insurance Intermediaries, and Insurer Performance. Risk Management and Insurance Review. 17 (1) 61-81. Wiley-Blackwell. http://dx.doi.org/10.1111/rmir.12004
• Ma, Y., Pope, N., Yeung, R. (2013). Foreign Participation and Its Relationship with Non-Life Insurer Performance in the Northeast Asian Markets. Other. 38 (1) 43-61. Springer Nature. http://dx.doi.org/10.1057/gpp.2012.20
• Ma, Y., Ren, Y. (2012). Do Publicly Traded Property-Casualty Insurers Cater to the Stock Market?. Journal of Risk and Insurance. 79 (2) 415-430. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2011.01438.x
• Huang, L., Ma, Y., Pope, N. (2012). Foreign Ownership and Non-Life Insurer Efficiency in the Japanese Marketplace. Risk Management and Insurance Review. 15 (1) 57-88. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2011.01202.x
• Ma, Y., Ren, Y. (2011). Influence of the Stock Prices on Insurers’ Managerial Decisions. Other. 11 (2) 77-83.
• Pope, N., Ma, Y., Xie, X. (2009). Insurer Performance and Contingent Commissions: What's the Relationship?. 63 (5) 53-56.
• Ma, Y., Browne, M., Wang, P. (2009). Stock-Based Executive Compensation and Reserve Errors in the Property and Casualty Insurance Industry. Journal of Insurance Regulation. 27 (4) 35-54.
• Kerr, D.A., Ma, Y., Schmit, J.T. (2009). A Cross-National Study of Government Social Insurance as an Alternative to Tort Liability Compensation. Journal of Risk and Insurance. 76 (2) 367-384. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2009.01303.x
• Ma, Y., Pope, N., Xie, X. (2009). Insurer Performance and Contingent Commissions: What’s the Relationship?. 9 (2) 45-57.
• Pope, N., Ma, Y. (2008). The Market Structure-Performance Relationship in the International Insurance Sector. Journal of Risk and Insurance. 75 (4) 947-966. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2008.00292.x
• Elango, B., Ma, Y., Pope, N. (2008). An Investigation Into the Diversification-Performance Relationship in the U.S. Property-Liability Insurance Industry. Journal of Risk and Insurance. 75 (3) 567-591. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2008.00275.x
• Ma, Y., Pope, N. (2008). Foreign Share, Insurance Density, and Penetration: An Analysis of the International Life Insurance Market. Risk Management and Insurance Review. 11 (2) 327-347. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2008.00143.x
• Ma, Y., Elango, B. (2008). When Do International Operations Lead to Improved Performance? An Analysis of Property-Liability Insurers. Risk Management and Insurance Review. 11 (1) 141-155. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2008.00135.x
• Ma, Y., Browne, M. (2005). Subsidization and Choice in the Group Health Insurance Market. Journal of Risk and Insurance. 72 (3) 413-439. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2005.00131.x
• Pope, N. (2005). Applicability of the Permanent Income Hypothesis to Life Insurance Consumption Habits. Other. 5 (2) 1-9.
• Pope, N., Ma, Y. (2005). Applicability of the Permanent Income Hypothesis to Life Insurance Consumption Habits. 5 (2) 1-9.
• Pope, N., Ma, Y. (2005). Market Deregulation and Insurer Pricing Strategies: The Japanese Experience. Other. 30 (2) 312-326. Springer Nature. http://dx.doi.org/10.1057/palgrave.gpp.2510028
• Pope, N., Ma, Y. (2004). Grade-Risk: An Insurable Event in the Classroom. Risk Management and Insurance Review. 7 (2) 189-196. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1098-1616.2004.00045.x
• Ma, Y., Pope, N. (2003). Determinants of International Insurers' Participation in Foreign Non-Life Markets. Journal of Risk and Insurance. 70 (2) 235-248. Wiley-Blackwell. http://dx.doi.org/10.1111/1539-6975.00058
• Yu-Luen Chen. (2001). Application of tilt sensors in human-computer mouse interface for people with disabilities. Other. 9 (3) 289-294. Institute of Electrical and Electronics Engineers (IEEE). http://dx.doi.org/10.1109/7333.948457
• Ma, Y., Schmit, J.T. (2000). Factors Affecting the Relative Incidence of Uninsured Motorists Claims. The Journal of Risk and Insurance. 67 (2) 281. JSTOR. http://dx.doi.org/10.2307/253776

Magazine/Trade Publication

• Pope, N., Ma, Y. (2013). SOX Has No Impact on P/C Reserving; Earnings Management Persists. Feb (14) http://www.carriermanagement.com/features/2013/02/14/100000.htm

Contracts, Grants and Sponsored Research

Grant - Research

• Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Insurer Risk and Performance during the 2007-2008 Financial Crisis: The Role of Monitoring Institutional Ownership," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2016 - 2016).
• Ma, Y. (Co-Principal), Chiu, Y. (Co-Principal), Hu, X. (Co-Principal), "Pay-As-You-Drive-And-You-Save (PAYDAYS) Insurance Actuarial Study," sponsored by Federal Highway Administration, Federal, $300000 Funded. (2013 - 2016).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Implications of Loss Reserve Misestimation: Are There Penalties for Excessive Reserving Errors?," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2015 - 2015).
• Ma, Y. (Principal), "Insurance Telematics and Drive Safe Incentives for Teenage Drivers," sponsored by Illinois State University, Other, $8000 Funded. (2014 - 2014).
• Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Is Catering Rewarded?: Evidence from the Insurance Industry," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2014 - 2014).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Cost of Capital and Insurer Loss Reserve Manipulation," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2013 - 2013).
• Pope, N., Ma, Y., "Synergistic Effects of Life and Nonlife Insurance Industries on International Economic Development," sponsored by Illinois State University, State, $5000 Funded. (2012 - 2013).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Impact of Sarbanes-Oxley on Property-Casualty Insurer Loss Reserve Estimates," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2012 - 2012).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Effect of Sarbanes-Oxley Act on Insurer Loss Reserving Accuracy," sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (2011 - 2011).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Executive Compensation and Risk Taking in the Property and Liability Insurance Industry," sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (2010 - 2010).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Insurer Performance in the Asian Marketplace: An Examination of the Impact of Market Structure and Foreign Participation," sponsored by Illinois State University, Other, $16000 Funded. (2010 - 2010).
• Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Growth or Profit-Margin: Do Publicly-Traded Property-Casualty Insurers Cater to the Market?," sponsored by Illinois State University, Other, $16000 Funded. (2009 - 2009).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Cost of Insurer Reputation-Protection in the Post-Spitzer Investigation Era: The Impact of Contingent Commission Abandonment," sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (2008 - 2008).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Contingent Commissions, Insurance Intermediaries and Insurer Efficiency," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2007 - 2007).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Do Extensive Government Social Programs Reduce Liability Costs?," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2006 - 2006).
• Ma, Y. (Principal), "The relationship between stock options and loss reserves by property-liability insurers," sponsored by Katie School of Insurance and Financial Services, Other, $13950 Funded. (2005 - 2005).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Market Competition and Insurance Pricing: An International Analysis," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2004 - 2004).
• Ma, Y. (Co-Principal), "Factors affecting Global Life Insurers’ Foreign Involvement," sponsored by Katie School of Insurance and Financial Services, Other, $10900 Funded. (2003 - 2003).
• Ma, Y. (Co-Principal), B., E. (Co-Principal), "Geographic Diversification and Corporate Performance: An Analysis of Property-Liability Insurers," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2003 - 2003).
• Ma, Y. (Co-Principal), B., E. (Co-Principal), "Does Product Diversification Lead to Better Financial Performance for Insurers," sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (2002 - 2002).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "What Determines International Insurers’ Foreign Market Entry," sponsored by University of New South Wales, Other, $5000 Funded. (2001 - 2001).
• Ma, Y. (Principal), "Plan Choice and Demand for Employer-Provided Health Insurance," sponsored by University of New South Wales, Other, $5000 Funded. (2000 - 2000).
• Ma, Y. (Co-Principal), Chiu, Y. (Co-Principal), Hu, X. (Co-Principal), "Pay-As-You-Drive-And-You-Save (PAYDAYS) Insurance Actuarial Study," sponsored by Federal Highway Administration, Federal, Funded. (2013 - 2016).

Grant - Teaching

• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Professional Education Program," sponsored by Spencer Educational Foundation, National, $16500 Funded. (2021 - 2023).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Incorporating RMI Professional Designations into Undergraduate RMI Curriculum," sponsored by Spencer Educational Foundation, National, $15000 Funded. (2019 - 2020).
• Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Grade Insurance: Capitalizing on Classroom Learning Opportunities," sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (2002 - 2002).