Kyeonghee Kim

(pronounced ki-young-hee kim)

Academic Positions

Department of Risk Management & Insurance, Real Estate, and Legal Studies, College of Business, Florida State University (2018 – present)

    Dean’s Emerging Scholar (2025 – present)

Assistant Professor (2018 – present)

Education

• Ph.D. in Actuarial Science, Risk Management and Insurance, University of Wisconsin-Madison, 2018

• Bachelor of Business Administration, Yonsei University, 2009

Research Interests

Insurance economics, Regulation, Financial intermediaries, Population health policy

Research

Peer-reviewed Publications

• “Accounting Standards and Gains Trading” with Evan M. Eastman and Marc Ragin, 2025, Journal of Insurance Regulation

• “Climate Risks in the Commercial Mortgage Portfolios of Life Insurers: A Focus on Sea Level Rise and Flood Risks” with Xiao (Joyce) Lin, 2024, Journal of Insurance Regulation, https://doi.org/10.52227/26711.2023. Winner of the Journal of Insurance Regulation 2023 Kimball Award 

• “Assessing Oral Health in US Children and Its Impact on Disparities of Overall Health and Health Expenditures: An Application Using Two-Stage Clustering” with Marjorie A. Rosenberg and Seulkee Yun, 2024, North American Actuarial Journal, https://doi.org/10.1080/10920277.2023.2291042

• “The Impact of Dentition Status and Barriers to Dental Care Services on Perceived Oral Health of Medicare Beneficiaries” with Marjorie A. Rosenberg, 2023, Journal of Public Health Dentistry, https://onlinelibrary.wiley.com/doi/full/10.1111/jphd.12592.

• “Regulatory Capital and Asset Risk Transfer,” with J. Tyler Leverty and Joan T. Schmit, 2023, Journal of Risk and Insurance, http://doi.org/10.1111/jori.12441.

• “Insights from The Mandatory Insurer Climate Risk Disclosure Survey in The United States,” with Xiao (Joyce) Lin and Anastasia Ivantsova, 2023, Risk Management and Insurance Review 26 (1):107–118.

• “Determinants of Persistent High-Utilizers in US Adults Using Nationally-Representative Data,” with Marjorie A. Rosenberg, 2020, North American Actuarial Journal, 24 (1): 1-21.

• “The Role of Unhealthy Behaviors on An Individual’s Self-reported Perceived Health Status,” with Marjorie A. Rosenberg, 2018, North American Actuarial Journal, 22 (2): 252-269.

Other Non-peer-reviewed Publications

• “Private Equity Owners' Involvement in the Life Insurance Industry” for The Palgrave Encyclopedia of Private Equity (2023)

• “Climate Risks in the Commercial Mortgage Portfolios of Life Insurers: A Focus on Sea Level Rise and Flood Risks” with Xiao (Joyce) Lin for the National Association of Insurance Commissioners (2023)

Working Papers

• “Regulatory Capital and Catastrophe Risk” with Evan M. Eastman (Revise & Resubmit)

• “Compliance Costs of Contract Regulation” with Junhao Liu and J. Tyler Leverty (Resubmitted)

• “How Does Private Equity Impact Insurer Asset Management” with J. Tyler Leverty and Joan T. Schmit (Resubmitted)

  • • “The Effects of Investment Advisers in the Life Insurance Industry” with J. Tyler Leverty and Joan T. Schmit; First chapter of my Ph.D. thesis at University of Wisconsin-Madison. Previously circulated under “Investment Outsourcing: An Investigation of the Life Insurance Industry” and partially subsumed by “Life Insurers and Affiliated Asset Managers”

• "Homeowners Insurance and Housing Prices” with Evan M. Eastman and Tingyu Zhou

• "Regulatory Reform and Resilience: The Effect of Certified Reinsurer Programs on U.S. Insurance Markets", with Vaibhav Anand and Doug Bujakowski

• "Spillovers Across Catastrophe Risks California’s homeowners and earthquake insurance markets", with Xiao (Joyce) Lin

• "Product-Market Expertise and Institutional Investors’ Response to Cyber Risk", with Michael Neel and Jianren Xu

• “Underwriting Sea Level Rise Risk: Evidence from the Insurance Industry” with Xiao (Joyce) Lin

• “How Has the COVID-19 Pandemic Impacted Private U.S. Health Insurers?” with Patricia H. Born and Evan M. Eastman

• “Fixing Shadow (re)Insurance?” with Jaewon Choi, Evan M. Eastman, and Jiyeon Yun

• “Unemployment Benefits During the Pandemic and Life Insurer Disintermediation.” with James  Carson, Evan Eastman, and Robert Hoyt.

• “Product Standardization and Firm Efficiency: The Case of Life Insurers” with J. Tyler Leverty

• “Medical Loss Ratio Requirements and Health Insurance Prices” with Patricia H. Born and Evan M. Eastman

• “Climate Risk Disclosure and Institutional Investors: Evidence from the Insurance Industry” with Anastasia Ivantsova and Xiao (Joyce) Lin

• “What Role Does Limited Attention Play in Explaining Consumer Inertia in Insurance?” with Justin R. Sydnor

Research Presentations

"Spillovers Across Catastrophe Risks California’s homeowners and earthquake insurance markets", with Xiao (Joyce) Lin

·   American Risk and Insurance Association (2026, scheduled)

"Product-Market Expertise and Institutional Investors’ Response to Cyber Risk", with Michael Neel and Jianren Xu

·   American Risk and Insurance Association (2026, scheduled)

"Homeowners Insurance and Housing Prices” with Evan M. Eastman and Tingyu Zhou

·   Wisconsin School of Business (2024), AREUEA-ASSA (2025)*, World Risk and Insurance Economics Congress (2025), American Real Estate Society (2025)*, Urban Economics Association (2025)*, NAIC-CIPR Regulatory Research Conference (2025), Southern Finance Association (2025), Yonsei University (2025), Risk Theory Society (2026, scheduled)

"Regulatory Reform and Resilience: The Effect of Certified Reinsurer Programs on U.S. Insurance Markets", with Vaibhav Anand and Doug Bujakowski

·   American Risk and Insurance Association (2024), Southern Risk and Insurance Association (2025)*

“Regulatory Capital and Catastrophe Risk” with Evan Eastman

·   Southern Risk and Insurance Association (2022)*, American Risk and Insurance Association (2023), CEAR-MRIC 2023*, Allied Social Science Association – American Risk and Insurance Association session (2024)*, Risk Theory Society (2024), Eastern Finance Association (2024)*, Southern Finance Association (2024)

“Underwriting Sea Level Rise Risk: Evidence from the Insurance Industry” with Xiao (Joyce) Lin

·   University of Georgia at Athens (2022), American Risk and Insurance Association (2022), NAIC-CIPR Insurance Summit (2022), Financial Management Association (2022), Southern Risk and Insurance Association (2022)

“Compliance Costs of Contract Regulation” with Junhao Liu and J. Tyler Leverty

·   NAIC-CIPR Regulatory Research Conference (2023)

"How Does Private Equity Impact Insurer Asset Management" with J. Tyler Leverty and Joan T. Schmit

·   American Risk and Insurance Association (2024)*, NAIC-CIPR Regulatory Research Conference (2024) 

“Life Insurers and Affiliated Asset Managers” with J. Tyler Leverty and Joan T. Schmit

·   Southern Risk and Insurance Association (2020)

“Investment Outsourcing: An Investigation of the Life Insurance Industry” with J. Tyler Leverty and Joan T. Schmit

·   World Risk Economics Insurance Congress (2015), University of Wisconsin – Madison (2016)

·   American Risk and Insurance Association (2017), Financial Management Association (2017)

“Fixing Shadow (re)Insurance?” with Jaewon Choi, Evan M. Eastman, and Jiyeon Yun

·   American Risk and Insurance Association (2023)*

“Unemployment Benefits During the Pandemic and Life Insurer Disintermediation.” with James  Carson, Evan M. Eastman, and Robert Hoyt.

·   Southern Risk and Insurance Association (2022)*, American Risk and Insurance Association (2023)*

“Interstate Insurance Product Regulation Commission and Life Insurer Efficiency” with J. Tyler Leverty

·   Conference in honor of J. David Cummins and Mary Weiss (2022)*, American Risk and Insurance Association (2022)

“Climate Risk Disclosure and Institutional Investors: Evidence from the Insurance Industry” with Anastasia Ivantsova and Xiao (Joyce) Lin

·   American Risk and Insurance Association (2021)*, Temple University, Robert A. Hedges Research Seminar Series (2021)*, St. Gallen University (2021)*

“How Has the COVID-19 Pandemic Impacted Private U.S. Health Insurers?” with Patricia H. Born and Evan M. Eastman

·   World Risk and Insurance Economics Congress (2020)*

“Regulatory Capital and Asset Risk Transfer” with J. Tyler Leverty and Joan T. Schmit

·   American Risk and Insurance Association (2019), Allied Social Science Association – American Risk and Insurance Association session (2020), Temple University, Doctoral ProSeminar Series (2021)

 “Accounting for Asset Sales: The Effect on Earnings Smoothing” with Marc A. Ragin and Evan M. Eastman

·   Temple University, Robert A. Hedges Research Seminar Series (2020), Southern Risk and Insurance Association (2019), American Risk and Insurance Association (2019)*

 “Identification of Persistent High-Utilizers and the Role of Multiple Unhealthy Behaviors,” with Marjorie A. Rosenberg                                                                                               

·   American Risk and Insurance Association (2017), Actuarial Research Conference (2017)*, AcademyHealth Interest Group Meeting (2017; Poster), International Conference on Health Policy Statistics (2018; Poster)*

“What Role Does Limited Attention Play in Explaining Consumer Inertia in Insurance?” with Justin R. Sydnor

·   World Risk Economics Insurance Congress (2015)*

* indicates papers presented by co-authors

Awards and Grants

Journal of Insurance Regulation 2023 Kimball Best Paper Award

NAIC Research Fellow, 2022-2023

Florida State University, College of Business Summer Research Grant, 2019, 2022, 2023, 2024, 2025

______, Provost’s Travel Award Grant, 2020, 2023, 2025

______, First Year Assistant Professor Award, 2019

Wisconsin School of Business, Wisconsin Distinguished Graduate Fellowship, 2016 – 2017

______, Vilas Student Research Travel Grant, 2015 and 2017

______, Ph.D. Travel Award Fund, 2015 and 2017

______, Distinguished Teaching Award, 2014

Korea Life Insurance Association, Full Scholarship for Doctoral Students, 2013 – 2017

Daesan Foundation, Korea, Full Scholarship for Graduate Students, 2012 – 2013

Yonsei University, Korea, Full Scholarship for Graduate Students, 2011 – 2012

Teaching

Florida State University

• Risk Management and Insurance, undergraduate (RMI 3011)

• Lifecycle Risk Management, former Life/Health Insurance Products, undergraduate (RMI 4115)

• Personal Financial Planning, Online Master’s/MBA course (RMI 5810)

• Participation (co-teaching) in doctoral seminar in Life/Health Insurance Topics (RMI 6195) and doctoral seminar in Risk and Insurance Theory (RMI 6395)

Student advising:

• Undergraduate Honors in the Major Thesis: Savannah Seger (Chair, 2025-present)

• Undergraduate Research Opportunity Program: Francisco Issac Lebron (2019-2020), Landen Pitts (2024-2025), Tara Lambert (2024-2025), Khushi Bhalani (2024-2025) 

University of Wisconsin-Madison

TA for Professor Joan. T. Schmit: RMI 300 Principles of Risk Management and Insurance

Professional Activities

Ad-hoc Peer-review Service

Asia-Pacific Journal of Risk and Insurance, Contemporary Accounting Review, Finance Research Letters, Frontiers in Public Health, Handbook of Insurance 3rd Edition, Journal of Banking and Finance, Journal of Insurance Issues, Journal of Insurance Regulation, Journal of Public Health Dentistry, Journal of Risk and Insurance, Humanities Social Sciences Communications, North American Actuarial Journal, npj Climate Action, Risk Management and Insurance Review

Professional service

• NAIC-CIPR, Academic Advising Council (2026– present) 

• National Science Foundation, External Reviewer (2025)

• NAIC Insurance Summit, Panelist (2024)

• Korea Insurance Research Institute: Member of Academic Advisory Board (2023– present)

• American Risk and Insurance Association:

Member of Conference Program Committee (2020,2022-present); Mentor of A First-time Attendee (2021-2022); Member of Hagen Travel Award Committee (2021-2022); Member of Small Conference/Workshop Committee (2021-present)

• Southern Risk and Insurance Association:

Member of Best PhD Student Award Committee (2020)

Service at Florida State University

• RMI Department:

Member of Curriculum Committee (2018 – present), Member of Faculty Evaluation Committee (2021 – 2022), Member of Faculty Search Committee (2021 Fall, 2024 Spring), Member of Staff Search Committee (2022 Fall), Member of MS-RMI Admissions Committee (2023 – present), Research seminar organizer (2019 – 2026)

• College of Business:

Member of Library Committee (2021-present), Member of Seneff Honors Program Committee (2021-present)

Service at the University of Wisconsin – Madison

Student member of School of Business Ph.D. and Research Committee (2015 – 2016)

Other activities

• Price Theory Summer Camp Participant, University of Chicago (2016)

• Risk Theory Society, Member (2024 – present)

Non-Academic Employment

• ING Life Korea, Investment Department, Separate Account Management: 2009 – 2011

• A.T. Kearney Korea, Intern: 2007

Updated April 9th, 2026