جستجوی مقالات مرتبط با کلیدواژه « بیمه عمر » در نشریات گروه « اقتصاد »

One of the most important factors that can affect the investor's behavior in buying life insurance is the level of risk aversion of people. The main purpose of this research is to investigate the effect of financial risk acceptance on the purchase of life insurance policies. The current research is based on the classification of the objective in the category of applied research and based on the nature and method of descriptive research, it is correlational. The statistical population of this research consists of people working in small and medium-sized industrial enterprises (industrial workshops in Tehran), whose number was 796. In order to select the sample from simple random sampling and using Cochran's formula, 384 people were selected as the research sample. The required data was collected with the help of a questionnaire. Using the structural equation modeling technique with the partial least squares approach, the effect of financial risk on the use of term life insurance and life and savings insurance was investigated. Composite reliability values and Cronbach's alpha of the model variables were above 0.7. In addition, the root AVE of financial risk 0.861, term life insurance 0.789 and savings life insurance 0.86 was greater than the correlation between all three variables. Based on this, diagnostic validity was confirmed for all three constructs of the model. The fitting of the structural model was done by R2 and Q2 indices. The R2 value of term life insurance and savings life insurance was equal to 0.280 and 0.215, respectively, and the Q2 index for term life insurance and savings life insurance was equal to 0.154 and 0.144, respectively. GoF criterion was used to check the fit of the overall model, which controls both measurement and structural model parts. Obtaining the GoF value equal to 0.417 shows the strong overall fit of the model. The research results showed that the impact of financial risk on term life insurance and savings life insurance is significant at the 95% confidence level. The impact of financial risk on the use of life insurance was found to be 0.529. Considering that the significance level can be expressed with 95% confidence, financial risk has a positive and significant effect on the use of term life insurance. Also, the impact of financial risk on the use of savings life insurance was found to be 0.464. It can be said with 95% certainty that financial risk has a positive and significant effect on the use of savings life insurance.

Islamic religion and beliefs play an important role in the intention to buy different products. The present study examines the impact of Islamic beliefs on consumers' attitudes and intentions to purchase life insurance. This research is applied in terms of purpose and descriptive and correlational in terms of data collection. The statistical population of the study was the life insurance customers of Iran insurance Company, whose number is 1379 people, using Cochran's formula, 300 people were randomly selected as a sample. The data collection tool was a standard questionnaire. Structural equation method was used for inferential analysis of data. The results showed that there is a positive and significant relationship between Islamic beliefs and attitudes toward life insurance, between consumer attitudes towards life insurance and purchase intention, and finally between product characteristics and purchase intention.

The main purpose of this paper is to investigate factors affecting the life insurance demand of insurance companies in Iran. In this regard, eight factors include four intra-organizational quantitative factors (number of branches and agents, financial enrichment, average premium rate and payback loss), and four external factors (GDP, average interest rate, inflation rate, and stock market returns) Has been identified and investigated their effect on the insurance demand of insurance companies using multivariate regression model. This regression model was estimated using the data of 20 insurance companies during the year’s 2010 to 2016 using panel data with constant effects. The results of the model estimation indicate that among of internal organization factors, all factors, except the number of branches and agents, have a significant effect on the life insurance demands of insurance companies, so that the payback loss and financial empowerment have a positive and average premium rate has a negative effect on life insurance demand of insurance companies. In addition, all of the external organization quantitative factors have a significant effect on the life insurance demand of companies, so that GDP has a positive effect and interest rate, inflation rate and stock return rate have a negative effect on the life insurance demand of insurance companies.

Risk aversion, the main reason is the demand for life insurance. Because, life insurance transferring the risk of people to insurance companies, damage caused by its risk more tolerable and more manageable. So, is expected in countries with higher risks higher, life insurance penetration is higher. But, empirical evidence shows that interest on life insurance in countries with high and medium risk is minimal. While in countries with very low risk, embracing the life insurance is very impressive. Therefore, the present study tried the effect of country risk (political, economic and financial) on life insurance penetration in two groups of selected countries with high and medium risk and selected countries very low risk during the period 2002-2015 analyzed. The research model using panel data and the generalized method of moments estimated. The results showed that the effect of political risk, economic risk and financial risk on the life insurance penetration in both groups from the selected countries is negative and meaningful. The effect of Control variables including per capita income, education of level and life expectancy on life insurance penetration in both groups of selected countries has a positive and meaningful. The effect of misery index on life insurance penetration in both groups of selected countries has a negative and meaningful. But, the effect of dependency ratio on life insurance penetration in selected countries with very low risk has a positive and meaningful and on life insurance penetration of selected countries with high and medium risk has a negative and meaningful.

Pension funds and life insurance companies are very concerned with their liabilities in respect of premiums collected for life policies and pensions. This concern is mainly due to their dependence on correct calculations of premiums and their corresponding dependence on life tables used. A recent government directive issued by the Central Insurance of Iran provides the necessary table and provides the required assurance for life insurance policies and pension funds. However, as we discuss in this paper, life tables that are estimated using national and local statistics provide more accurate estimates for parameters needed in the life table. Here in this paper, we estimate life expectancy using Iranian Oil Industry Pension Fund statistics and find there is a gap between nationally used estimates and those found here. The significance of these estimates is seen when variations in excess of five years are noted and the consequent appreciation of pensions in retirement. Thus, we place a greater emphasis on estimates found in this paper and hope to encourage greater use of accurate data and reliable life tables.

In recent decades and in many countries, life insurance has not only become one of the most effective and accepted means of reducing risks related to issues such as loss of property and assets, workplace injury, disability, death and other unfortunate events, but has also been utilized as a way of establishing social justice and reducing poverty in society. The main objective of the present study is to assess the simultaneous effects of macroeconomic variables on the demand for life insurance, as well as the effect of this demand on social, educational, and physical welfare indices, through a case study of Parsian Insurance Company. For this purpose, the panel-simultaneous equations method was used on 30 Iranian provinces during the period running from 2008 to 2012. Results show that there is a significant inverse correlation between insurance rates and expected inflation rates and the demand for life insurance. These results also indicate that there is a considerable direct correlation between per capita income, education, and dependency burden and the demand for life insurance. A significant direct correlation was also witnessed between the demand for life insurance and physical and educational welfare levels, along with an expected indirect correlation between demand for life insurance and income inequality. These findings can play an important role in the decision-making process of insurance company managers.

The aim of this study is to investigate the effect of macroeconomic variables on Iran life insurance demand in the period . We used ARDL Procedure to estimate the research model.The results show that the price of insurance and life expectancy in long-term has significantly positive effect on the demand for life insurance and financial development and inflation expectations in long-term has significant negative effect on the demand for life insurance.

According to estimates, like the world, elder population of Iran will increased year by year. As young generation has the task of supporting old generation, the created inequilibrium in future, will be one of greatest worries of pension system policymakers. The increase of longevity in recent decades and its’ growing trend, results in significant uncovered liabilities of pension projects with defined advantages. In recent years, combined pension projects, because of its’ special features, like high flexibility and high potential for risk management, is increasing worldwide.
This research is a jurisprudential (fiqhi) feasibility study of these projects based on imamiyya jurisprudence. Based on jurisprudential analysis, deceit(gharar) and riba, are two basic problems of pension projects. This research, through an analytical-inferential Methodology, has presented solutions for revising projects and resolving problems. “Disambiguation of pension projects”, “annuity payment from the assets of pension projects’ member” and “annuity payment related to eligible investment” are of those presented solutions.

Markets stepping into competition over the more recent decades has made numerous changes in the marketing and sales in such a way that customer and its needs, wants, interests and “customer appreciation” to sum up, turns out increasingly to be in a focal point of attention by businesses. Therefore, to raise the level of customer-oriented behavior among the life-insurance salesforce who are expected to introduce the product to their prospects besides the selling job, is capable of being highly effective on their performance. This research is an applied one by its nature, being a type of survey in terms of collecting its data, and considered to be rather explanatory correlative study. The professional salespeople of some 6 private insurance firms serve as the research population, out of which 120 played the role of the sample being picked up in a proportionatestratification sampling. To test the hypotheses a SEM model was developed in LISREL and SPSS softwares to examine the data collected by questionnaire. Findings suggest employees’ job engagement, their self-efficacy, and a positive service climate positively influence the salespeople’customer–oriented behavior. The mediating role of salespeople’self-efficacy in the relationship between job engagement and customer–oriented behavior was approved, as the same role of job engagement in the relationship between service climate and customer–oriented behavior received enough support too. However, the salespeople’ self-efficacy was not approved to have a mediating role in the in the relationship between service climate and salespeople’ customer–oriented behavior.

Nowadays, the manufacturing and servicing organizations consider the level of customer satisfaction as an important criterion in measuring the quality of their work, and this trend is still rising. For the time being, because of the vital importance of insurance industry in the growth and prosperity of the countries’ economies, the need for it is inevitable. Accordingly, in this research, we investigate factors affecting the insured’s satisfaction of life insurance with the use of SERVQUAL Model in Novin Insurance Company. This model is one of the most popular models that is used in the service sector in the field of quality assessment. The methodology of the research is descriptive-survey. In this study, sampling method is simple random and the statistical population is the insured of life insurance of Novin Insurance Company in Tehran city and the number of samples is 361 people. The results have been examined using Structural Equation Model and the data have been analyzed using SPSS software and SMART PLS. The results of this research indicate that the insured’s satisfaction of life insurance of Novin Insurance Company has not been affected by the physical dimension and that other dimensions of SERVQUAL Model have affected the insured’s satisfaction of life insurance of Novin Insurance Company. Also, research results demonstrate that in four dimensions of SERVQUAL model there exists a gap between the expected quality and insured’s understanding of the quality of services and that the largest gap is related to empathy and the smallest gap is related to reliability

In regard to the customers who are willing to participate in stock market and insurance market simultaneously، insurance companies introduced equity linked insurance contracts. Equity linked life insurance contracts is a life insurance policy، in which all or some part of premium allocated to a separate account that will be invested in a particular stock or a portfolio. If the portfolio has a positive return، the death benefit increases and if yields are bad، death benefits should be reduced، naturally. In this paper the feasibility of providing equity linked insurance in Iran''s insurance market is investigated. For this purpose، analytical hierarchy process (AHP) is used by TELOS method. According to experts، equity linked life insurance is feasible and Guaranteed Minimum Maturity Benefit (GMMB) is the most preferable product in equity linked life insurance.

Nowadays, life insurance plays a major role in the economy of different countries especially developed countries. Despite the numerous applications of life insurance, this service has remained less popular in Iran just like other developing countries, and its role in Iranian economy and the lives of Iranian people is not significant. Therefore this research studies the factors affecting the demand of life insurance in Iran by simulation of the function of demand for life insurance in three forms of non-linear equations (Cobb-Douglas, quadratic and exponential) using gravitational search optimization algorithm. The variables of real per capita sold life insurance, real GDP per capita, the probability of death, literacy, responsibility and inflation rate between 1978 and 2013 are expanded in these equations. The findings of the study showed that Cobb-Douglas's form of demand for life insurance presents better results in comparison with the two other forms. Accordingly, GPD per capita (as a symptom of income), literacy, responsibility and death probability have significant impact on the demand and by contrast, inflation rate have negative impact on demand for life insurance.

Life insurance is an important financial institution that, besides other institutions as the channel directing the household's savings, plays a key role in providing and mobilizing the financial resources in order to be invested in money and capital markets. Despite its importance in economic development and growth, it has not been sufficiently developed in Islamic countries. One of its most important causes is the prevalence of some special beliefs in these countries in this regard and the alleged existence of interest, usury and gambling in this kind of insurance. In the present article, the difference between insurance and these concepts has been explained, and some solutions have been proposed for life insurance's being developed in Islamic countries via the legal and political institution's becoming effective and insurance activitie's getting clear in order for the financial resources of life insurance to be invested in productive, employment-creating and Islam-congruent activities. Our main goal, here, is to investigate the effect of legal and political variables on the demand for life insurance in OIC members during the period 1999-2011 using a balanced panel data approach. The results indicate that the proper function of legal and political supervisory institutions and the proper situation of such economic variables as financial development, per capita income and human capital as a measure of risk aversion have a significant positive effect on the development of life insurance in the selected Islamic countries, while the expected inflation rate has a significant negative effect in this regard.