I am an Assistant Professor in the Department of Insurance, Legal Studies, and Real Estate (ILSRE) in the Terry College of Business at the University of Georgia. My research interests include behavioral insurance, catastrophe risk, insurer operations, and insurance market economics. I have published research in The Journal of Risk and Insurance, the Journal of Risk and Uncertainty, The Geneva Risk and Insurance Review, and the North American Actuarial Journal.
Before joining the faculty at UGA, I was an Assistant Professor in the Department of Risk, Insurance, and Healthcare Management at Temple University in Philadelphia. I completed my doctoral work at the University of Wisconsin-Madison, focusing on Actuarial Science, Risk Management, and Insurance.
Prior to entering academia, I worked as a broker for Lockton in Atlanta for three years. I specialized in executive risk lines of insurance - Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, Crime (Employee Theft), Kidnap/Ransom, and Errors and Omissions. I also worked in the Risk Management department at Amazon.com in Seattle. My work experience drives many classroom discussions.
Education and Career
- PhD, Actuarial Science, Risk Management & Insurance, University of Wisconsin-Madison, 2014
- BBA, Banking & Finance, University of Georgia, 2006
- BBA, Risk Management & Insurance, University of Georgia, 2005
- Temple University, Fox School of Business, Department of Risk, Insurance, and Healthcare Management
- Assistant Professor, 2014-2016
- University of Wisconsin-Madison, Wisconsin School of Business, Department of Actuarial Science, Risk Management, and Insurance
- Teaching Assistant, 2010-2014
- Lockton Companies, Atlanta, GA
- Account Manager, Financial Services, 2006-2009
- Amazon.com, Seattle, WA
- Intern, Risk Management, 2005
Research, Expertise and Publications
- Catastrophe insurance, behavioral insurance, insurance market economics, financial markets, insurer operations and strategy
- Jaspersen, J., Peter, R., & Ragin, M. (2022). Probability Weighting and Insurance Demand in a Unified Framework. The Geneva Risk and Insurance Review. (In Press) 1-47.
- Jaspersen, J., Ragin, M., & Sydnor, J. (2022). Predicting Insurance Demand from Risk Attitudes. The Journal of Risk and Insurance. 89(1): 63-96.
- Ragin, M., Collier, B. & Jaspersen, J. (2021). The Effect of Information Disclosure on Demand for High-Load Insurance. The Journal of Risk and Insurance. 88(1): 161-193.
- Jaspersen, J., Ragin, M., & Sydnor, J. (2020). Linking Subjective and Incentivized Risk Attitudes: The Importance of Losses. Journal of Risk and Uncertainty. 60:187-206.
- Collier, B. & Ragin, M. (2020). The Influence of Sellers on Contract Choice: Evidence from Flood Insurance. The Journal of Risk and Insurance. 87(2): 523-557.
- Ragin, M. & Xu, J. (2018). An Ex Post Assessment of Investor Response to Catastrophes. North American Actuarial Journal. 23(2): 250-275.
- Ragin, M., & Halek, M. (2016). Market Expectations Following Catastrophes: An Examination of Insurance Broker Returns. The Journal of Risk and Insurance. 83(4): 849-876.
- Collier, B., Powell, L., Ragin, M., & You, X. (2022). Financing Negative Shocks: Evidence from Hurricane Harvey.
- Jaspersen, J., Ragin, M., & Sydnor, J. (2022). Insurance Demand Experiments: Comparing Crowdworking to the Lab.
- Eastman, E., Kim, K., & Ragin, M. (2022). Selling Invested Assets When Capital Gains Must Be Amortized.