Governing Fairness in Insurance Pricing: the Trilemma of Actuarial Adequacy, Solidarity and Causal Legitimacy

Every premium is a normative choice: price fairness is governed by a trilemma between actuarial adequacy, solidarity, and causal legitimacy, and we build the governance architecture (scorecard, causal due diligence, comply-or-explain oversight) to manage it as such.

Previously “A Three-Pillar Governance Framework for Fair Insurance Pricing”.

@unpublished{Charpentier/etal:2025governance,
author = {Charpentier, Arthur and Côté, Olivier and Côté, Marie-Pier},
title = {Governing fairness in insurance pricing: the trilemma of actuarial adequacy, solidarity and causal legitimacy},
note = {Under revision},
year = {2025}
}