1. Laboratoire SAF EA2429, Institut de Science Financière et d’Assurances (ISFA), Université Claude Bernard Lyon 1, University of Lyon, 69366 Lyon, France
2. Prim’Act Actuarial Consulting Firm, 42 Avenue de la Grande Armée, 75017 Paris, France
3. CEREMADE, Université Paris-Dauphine, Université PSL, CNRS, 75016 Paris, France
4. Department of Prevention, Bordeaux University Hospital, 33000 Bordeaux, France
5. University of Bordeaux, INSERM, BPH, U1219, I-Prev/PHARES, Certified Team under Ligue Contre le Cancer, CIC 1401, 33000 Bordeaux, France