پژوهشنامه بیمه
سال بیست و نهم شماره 2 (تابستان 1393)

In this paper, the effect of driving experience and right or left handedness of drivers on the number of accidents have been investigated. A questionnaire survey in two cities, Tehran and Isfahan is used for data collection. The results of data analyses indicated that left handed drivers had greater average number of accidents than right handed drivers and by increasing the experience of driving, the average number of accidents decreased. The results also indicated that the driver’s characteristics can help insurance companies in the rate making process to determine more accurate premiums.

Credibility theory is a statistical tool for calculating the next period premium based on the insured’s historical experience. Each contract is defined based on a risk parameter. In this paper, a risk parameter for each policyholder is assumed and a model for calculating credibility premium and bayesian premium based on both frequency and serevity of losses is examined. The distribution of total severities of claims based on frequency, is an infinite mixed distribution. Finally, by considering prior gamma distribution for risk parameter, the credibility and Bayesian premium are calculated.

Life insurance though worldwide development especially among developed countries, plays an important role in the economic development. Despite its important role in the economy, life insurance is not sufficiently known by the Iranian families and has a little role in the country’s economy.Various factors affecting Iranian life insurance development have been examined in this paper. The current research is based on the field study method and it’s statistical Population consists of the whole country. For this reason, a sample has been chosen randomly among various available clusters. Based on the collected data and using Multiple Classification Analysis (MCA), the results indicated that believing whether an individual get a severe illness at age 65 or not, will be the most effective factor regarding the life insurance demand. Each individual’s age is considered as the second effective factor. Other effective factors are devising, policy price, considering religious issues and beliefs, membership in pension fund, and spouse ecmployment, respectively.

The purpose of the present paper is to provide a customers’ loyalty model for car insurance customers of insurance companies with emphasis on the role of relationship bonds in marketing. Using a questionnaire, the data of 400 customers at insurance companies in Mashhad were gathered and analysed by SPSS and LISREL software. The LISREL was used for confirmatory factor analysis and testing research models. To investigate the reliability and conducting an exploratory factor analysis, SPSS software is used. The results indicated that all marketing relationship bonds have a positive and significant impact on loyalty. While financial and structural bonds have the greatest impact on customer loyalty, social bond has a positive and significant impact on services quality. Social bond has also the greatest impact on the relationship quality while structural bond has a positive and significant impact on the relationship quality and services quality. Services quality has a positive and significant impact on the relationship quality, and finally relationship quality has a positive and significant impact on loyalty.

An analysis of the relationship between transformational leadership and work alienation has been examined in the present paper. The data in our sample included 255 people of personnel and directors of An Insurance Company in Tehran. In order to collect the research data and to evaluate the work alienation and transformational leadership, the questionnaires have been verified. The validity and invariance of used instruments have been analyzed and confirmed. For data analysis, a structural equation model was used. According to the findings, transformational leadership reduces work alienation.

Claiming blood money by heir of the person at fault in motor accidents is one of the insurance claims brought before the courts by virtue of third party motor insurance policy under the Third Party Motor Insurance Act. Regarding the supportive aspect of the Third Party Motor Insurance Act and without regard to civil liability rules, the ex-turpi maxim and other related rules, offenders argue that the aforementioned Act covers all sorts of motor accident disputes. Thus, the driver at fault is entitled to compensation. On the other hand, although the insurers agree that enacting the Third Party Insurance Act arises from public interests, they believe that the direct purpose of the Act is to indemnify third parties and contractual aspect of third party insurance and civil liability rules as a whole. Hence, no compensation should be paid to the responsible party. Each party of the contention, by making reference to contractual and legal aspect of the third party motor insurance policy, is defending their own stances. In this article, while analyzing both ideas, the compliance or noncompliance of each claim with legal rules and social interests have been evaluated.

While many studies have been conducted regarding the relationship between life insurance and economic growth based on mainstream economics in the context of macroeconomic growth models, less attention has been paid to the aspects of its development. This paper tries to appraise the impact of life insurance development on national product. Accordingly the Human Development Index as an indicator, has been used for assessing the impact of life insurance on national product and the causal relationship between them is analyzed. The results indicated that there is a nonlinear two-way causal relationship between human development index and per capita life insurance. In addition, our results indicated a more significant effect of life insurance on human development in Iran.

This paper tries to examine the relationship among organizational learning, continuous improvement and inter-organizational trust and their effect on organizational performance of insurance agencies. This research is an applied research, based on its purpose and a descriptive-survey research, based on its data collection and analysis. Data for this study were collected using questionnaires including 7 times Likert scale that was distributed among 388 people chosen at random from experts and managers of insurance agencies. The collected data were analyzed, using correlation and regression methods and SPSS software. The findings revealed that there is a positive relationship among organizational learning, inter-organizational trust, continuous improvement and organizational performance.

It is more than 30 years since the establishment of the youngest pension funds in Iran and other countries. Because of the global changes and not verifying the primary assumptions, pension systems has faced critical conditions. The Multi-pillar systems are known as the best pension reform approach in many countries. Hopefully, the establishment of multi pillar pension system has been considered in the fifth development plan and the private sector is permitted to create pension funds and compete with other sectors. However, this reform is doomed to fail if the prerequisites are not fulfilled. The purpose of this study is to identify and prioritize the factors facilitating the implementation of multi-pillar pension system. To realize the significance of factors, the non-parametric binomial test and exploratory factor analysis was used. Exploratory factor analysis was used for grouping 43 identified factors and Friedman test was used for prioritizing these factors. The results indicated that among the endogenous factors “financial stability of the new system” and “strengthening the governance” and among the exogenous factors “specific condition of the country” and “macroeconomic conditions” were known as the most important factors facilitating the implementation of the multi-pillar system.

The present study has investigated the effects of competitive forces on the performance of private insurance companies in Iran by considering the mediator role of the competitive combined strategies. The research is descriptive-collective. The statistical population consists of all deputies and head managers of active private companies in insurance industry that is in total 190 people, and due to the limited number of statistical population, the whole community, is studied in the form of census. Data gathering tool is a researcher made questionnaire with 25 questions, whose validity has been approved by two formal and structural approaches, and the questionnaires reliability has been approved by using Cronbach’s Alpha method. Data analysis is done by using Amos 22 software and structural equation modeling. The results of the investigation hypothesis indicated that the competition between existing companies in insurance industry and the threat of new enterprises in this field has a significant positive effect on the selection of combined company's strategy, but the customer’s bargaining power has a negative significant effect on the cost leadership and differentiation combined strategy selection as well. Also, the results of other hypotheses revealed that the existing competitive forces in the insurance industry can affect their performance by significant influence that they have on the selection type of company’s strategies.