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This document presents an empirical analysis of the annuity market in Chile, examining the main determinants of the annuity rate through econometric methods applied to a panel of data from life insurance companies. It discusses factors affecting annuity rates, including market conditions, broker commissions, financial leverage, and competition among providers, while highlighting the unique characteristics of Chile\'s pension reform and its impact on the annuities sector.

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An empirical analysis is a study that uses observed and measured data to understand phenomena, typically to test a hypothesis or evaluate outcomes.

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Individuals or organizations conducting research or studies that involve data collection and analysis may be required to file an empirical analysis, particularly in regulated fields.

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To fill out an empirical analysis, one should collect relevant data, outline the methodology, perform the analysis, and present the findings in a structured format.

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The purpose of an empirical analysis is to provide evidence-based conclusions by examining real-world data and testing theories.

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