The views expressed in the Iranian Journal of Insurance Research (IJIR) are those of the authors and do not necessarily reflect the Journal official policy. The content provided by authors is their scientific and experimental findings and is not intended to offend any ethnical group, religion, club, organization, state, government, company or individual. In addition, IJIR Journal is committed to following the Ethics in Publishing Committee (COPE) and complies with the highest ethical standards in accordance with ethical law.