Mitra Ghanbarzadeh; Nasrin Hozarmoghadam
Abstract
To increase the share of life insurance from the written insurance premium of commercial insurance and also considering the necessity of keeping life insurance customers by insurance companies, it is necessary to investigate the causes of surrendering life insurance and provide solutions to prevent it. ...
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To increase the share of life insurance from the written insurance premium of commercial insurance and also considering the necessity of keeping life insurance customers by insurance companies, it is necessary to investigate the causes of surrendering life insurance and provide solutions to prevent it. Based on this, the aim of this paper is to investigate the surrender of life insurance and analyze the corporate and economic factors affecting it in Iran's insurance industry. In order to respond to this goal, the effort is to first identify the micro-corporate factors as well as the economic factors affecting the surrender of life insurance and evaluate and analyze the effectiveness of each factor. Then, the information available in this field is examined separately for Iran's insurance companies and analyzed at micro and macro levels, and finally, operational solutions and necessary measures to reduce surrendering the life insurance are presented.
Mitra Ghanbarzadeh; Nasrin Hozarmoghadam; Asma Hamzeh
Abstract
Since pension funds are part of the social security system and have a socio-economic function, in order to maintain the value of the insured's savings, they should invest them, which will have a direct relationship with the money market and the capital market of each country. Due to the significant ...
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Since pension funds are part of the social security system and have a socio-economic function, in order to maintain the value of the insured's savings, they should invest them, which will have a direct relationship with the money market and the capital market of each country. Due to the significant resources they have, pension funds affect the country's economic variables and, of course, are mostly affected by economic variables. This issue reveals the importance of examining how macroeconomic variables affect pension funds and the intensity of each one's impact, as well as the management of funds' resources in the face of the fluctuations of these variables. Therefore, in this paper, the impact of pension funds on economic variables in 8 countries is investigated. Based on the results obtained in this research, the variables of short-term interest rate, exchange rate, and unemployment rate have an effect on the ratio of pension fund assets to GDP (as an indicator of performance).
