Effective Factors to Develop Life Insurance in Tehran Emphasizing on the Obstacles: Case Study of Saman Insurance Company

According to the statistics and information developed by authorities, life insurance both in terms of density-the ration of taken premiums to total premiums taken from the whole country- and in terms of penetration-the insurers share in gross domestic productcompared to the other developed countries and even peers is in low level. This study not only finds the causes, but also introduces effective factors in developing life insurance in the country and offers constructive suggestions to remove the barriers. In terms of the target the research is functional but descriptive in terms of the method. To collect the data, a survey method (questionnaire) will be used. The representatives of Saman Insurance in Tehran are selected as the statistical population of the study by stratified random sampling method-150 people as sample. The data collected are analyzed using non-parametric binominals, test-ratio test- and, for testing the hypothesis, Structural Equation Modeling (SEM) used. The results suggests that scientific expectation of the researcher - the direct and significant impact of structural, economical, socio-cultural, securing and supportive factors of life insurance - is correct.