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Welcome! I am an Assistant Professor of Finance at Indiana University's Kelley School of Business. Prior to my current appointment, I received my PhD in economics from Princeton University.
My research is broadly focused on insurance markets, financial intermediation, firm dynamics, and urban economics.
Email: dtwennin@iu.edu | CV | Google Scholar
Working Papers
Giving Life to Private (Rated) Credit
with Isabella Gschossmann, Ziang Li, and Ali Uppal
Paper | SSRN | ● ● ● ● | July, 2026
Media Coverage: Financial Times, MarketWatch
Selected Presentations: Wabash River Conference (2026), Chicago Fed Inaugural Insurance Conference (2026), Paris December Finance Meeting (2026), PERC Oxford Research Symposium (2027)
From Long to Short: How Interest Rates Shape Life Insurance Markets
with Ziang Li
Paper | SSRN | ● ● ● ● | July, 2026
Selected Presentations: AFA (2026), MFA (2026), Columbia Workshop in New Empirical Finance (2026), NBER Insurance Working Group Meeting (2026), BIS-CEPR-Gerzensee-SFI Conference on Financial Intermediation (2026, poster)
Beyond the Storm: Climate Risk and Insurers of Last Resort
with Ankit Kalda, Vikas Soni, and Varun Sharma
Paper | SSRN | ● ● ● ● | November, 2025
Selected Presentations: Maryland Junior Finance Conference (2025), European FA (2025), CEPR Climate Change and Environment Symposium at Gerzensee (2025), AREUEA National conference (2025), Tilburg Finance Summit (2025), MFA (2026), SFS Cavalcade (2026), FIRS (2026)
National Pricing and the Geography of U.S. Life Insurers
SSRN | ● ● ● ● | November, 2024
Selected Presentations: NBER Insurance Working Group Meeting (2024), AFA (2025), Northeastern University Finance Conference (2025)
Under Revision
Priced Out: Rent Control, Wages, and Inequality
with Isaac Hacamo, Geraldo Cerqueiro, and Pedro Raposo
Revise and resubmit, American Economic Journal: Economic Policy
Paper | SSRN | ● ● ● ● | November, 2025
Banks in Space
with Ezra Oberfield, Esteban Rossi-Hansberg, and Nicholas Trachter
Revise and resubmit, American Economic Review
Paper | SSRN | ● ● ● ● | August, 2025
Works in Progress
Access, Bundling, and Product Distribution in Insurance Markets
with Eduard Boehm and Bretchen Hoskins
How do the product shelves and market structure across distribution channels affect how people acquire insurance?
Race to the Bottom: How Climate Risk and Price Competition Erode Insurer Quality
with Shan Ge, Stephanie Johnson, and Nitzan Tzur-Ilan
How do rising homeowners insurance costs affect the way property insurers compete?
Growing by Grafting
with Ezra Obefield, Esteban Rossi-Hansberg, Nicholas Trachter, and Chen Yeh
How does the reallocation of plants across firms affect plant creation and aggregate productivity?
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