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Sager, Thomas

Thomas W. Sager

Department of Information, Risk, and Operations Management, Department of Statistics and Data Sciences


Phone: 512-471-3322

Office Location
CBA 3.434B

Postal Address
AUSTIN, TX 78712

Thomas (Tom) Sager joined The University of Texas at Austin in 1978. His research focuses on the development and application of econometric models to study the empirical behavior of insurance companies. The models involve simultaneously interacting manifest and latent variables interacting in autocorrelated nonlinear panel data structures. He has applied these to the prediction of insurer insolvency, the risks of mortgage-backed securities, the effects of the Affordable Care Act, the assessment of global systemic risk, consequences of regulation, and other issues. He seeks to illuminate how agency theory, transactions cost economics, theories of limited and unlimited risk, and other ideas play out to explain insurers’ management of their enterprise risks. 


Ph.D. in Statistics, University of Iowa, 1973