Original Research Paper
E. Abasi; S. Derakhshideh
Abstract
Insurance is one of the most important elements which has an important role in decreasing the risk and ensuring financial and mental security and finally, creating required infrastructures for countries economic development. This study mainly tries to investigate factors affecting demand for life insurance ...
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Insurance is one of the most important elements which has an important role in decreasing the risk and ensuring financial and mental security and finally, creating required infrastructures for countries economic development. This study mainly tries to investigate factors affecting demand for life insurance during 1980-1990 in Iran. Factors taken into account are assumed to be a function of such variables as real per capita income, inflation rate (consumer price index), saving rate and literacy rate on the one hand, and demand for life insurance on the other. The Model used in estimation is econometric (VAR). Our results show that variables such as per capita income and saving rate have a positive and significant relationship with the demand for life insurance. However, the consumer price index is negatively and significantly related to the demand for life insurance and also there is no significant relationship between literacy rate and the life insurance demand.
Original Research Paper
M. Haghighi Kafash; N. Mazloomi; S.I. Akhavi Rad
Abstract
The use of the Internet and information technology in the insurance industry for the purpose of producing and distributing insurance services is interpreted as electronic insurance, which not only creates a competitive advantage for insurance companies, but also makes it possible for companies to communicate ...
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The use of the Internet and information technology in the insurance industry for the purpose of producing and distributing insurance services is interpreted as electronic insurance, which not only creates a competitive advantage for insurance companies, but also makes it possible for companies to communicate with the number of More people can attract more customers through the website. It is believed that trust is the key to customer relationship. As a result, the online trust of customers in this way of service is one of the influencing factors on their use of this type of service. In this research, using the Corbit model, an attempt was made to investigate the influence of trust on the use of insurance companies' electronic services by insurance policyholders, as well as the factors affecting online trust. The results of data analysis using standardized regression coefficient and t-student test show a strong relationship between perceived trust and the use of electronic services. From the research hypothesis test, it was also found that perceived technical ability, perceived market orientation, perceived website quality, and perceived risk respectively have an effect on the trust that policyholders perceive after visiting the website of insurance companies.
Original Research Paper
K. Fathi Vajargah; A. Khorasani; H. Dousti
Abstract
The current research was carried out with the aim of identifying the educational needs of an insurance company in the three areas of job standards, empowerment and problem solving using the skill standard needs assessment model. The statistical population includes all employees in the insurance company ...
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The current research was carried out with the aim of identifying the educational needs of an insurance company in the three areas of job standards, empowerment and problem solving using the skill standard needs assessment model. The statistical population includes all employees in the insurance company investigated in 2009. The statistical sample is equal to 210 employees. Standardized skill questionnaires are the main data collection tool. After analyzing and examining the characteristics of the jobs, job qualifications were compiled according to the description of their duties in the field of competence corresponding to that qualification, and after that, in order to examine the qualifications of the employees, their educational and job needs were compiled. After examining the emerging needs and matching them with the standard skills needs assessment model (SS), the needs were categorized into 3 general areas: problem solving needs, empowering needs, and job standard needs. From the results of the research, it can be concluded that the needs of the job standard include more than 70% of the needs of the employees, which indicates that the employees have problems in the needs of the job standard and assimilating their lack of knowledge, skills and attitudes with the international standards. The main reason for this problem is the lack of correlation between the job and the employee and the lack of skills related to the job.
Original Research Paper
H. Aghazadeh; Gh. Jandaghi; M. Khalil
Abstract
The present research examines the effectiveness of life insurance sales methods. In order to sell insurance services, sellers need to be equipped with effective methods and techniques. Therefore, the aim of the current research is to first identify sales methods and indicators to measure their effectiveness, ...
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The present research examines the effectiveness of life insurance sales methods. In order to sell insurance services, sellers need to be equipped with effective methods and techniques. Therefore, the aim of the current research is to first identify sales methods and indicators to measure their effectiveness, and then to evaluate the effectiveness of sales methods and their ranking. In order to achieve the aforementioned goals, research hypotheses have been proposed and descriptive-survey research methods have been used. The studied society includes two classes of heads of insurance branches and top representatives and brokers of insurance companies in Tehran, 60 people from the first class and 85 people from the second class and a total of 145 people were selected as samples. The obtained results indicate that customer-oriented, consultative, collaborative, relational, adaptive, systemic and cross sales methods have a positive and significant relationship with effectiveness indicators. Regression analysis has also shown that out of seven sales methods related to effectiveness indicators, only two sales methods, consultative and collaborative, explain the most changes in the dependent variable, and among them, consultative sales are more important than others.
Original Research Paper
J. Moezi
Abstract
The role of commercial insurance in covering the damages caused by various risks to human societies is undeniable. Ever since humans have faced danger, they have been constantly looking for a solution to prevent the occurrence of dangers or to find a way to compensate for the resulting damages. One of ...
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The role of commercial insurance in covering the damages caused by various risks to human societies is undeniable. Ever since humans have faced danger, they have been constantly looking for a solution to prevent the occurrence of dangers or to find a way to compensate for the resulting damages. One of the ways to compensate for damages is to insure property and legal and professional responsibilities. For centuries, insurance has been the focus of civilized societies, and every day more than the previous day, people tend towards it with the knowledge they get about it.The use of insurance as a way to compensate for damages is subject to certain conditions, which means that any user can claim damages up to a certain time, and for this purpose, Article 36 of the Insurance Law provides for the passage of time, and after the stipulated period, insurance claims are subject to the passage of time. Will be. Since in our country, the laws must be based on Sharia rulings, in 1363, the Guardian Council does not consider the passage of time in the civil procedure law to be a right. Therefore, this debate is raised whether the passage of time in the insurance (commercial insurance) law is obsolete or whether it is still valid. This research talks about the passage of time and its types and its difference with legal deadlines. In the end, as a conclusion, we will say that the passage of time has remained in effect in the insurance law and the passage of time is divided into legal and contractual categories.
Original Research Paper
H.R. Saeid Nia; S. Sehat; M. Charkhian
Abstract
The main purpose of the current research is to investigate the effect of the consumer's personality characteristics and the relationships perceived by him on the willingness to change the brand, taking into account the moderating role of the severity of service weakness in the insurance market. For this ...
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The main purpose of the current research is to investigate the effect of the consumer's personality characteristics and the relationships perceived by him on the willingness to change the brand, taking into account the moderating role of the severity of service weakness in the insurance market. For this purpose, the statistical population of liability insurance policyholders of "A", "B" and "C" insurance agencies and branches in Tehran city in 2009 was used and 180 samples were selected by a non-relative stratified method and the necessary information was obtained through a questionnaire. In order to analyze the data and statistical analysis, partial least squares method was used and the data were analyzed using PLS software. The results showed that when the intensity of service weakness is high, people with an internal locus of control are more inclined to switch brands than those with an external locus of control. Also, when the severity of service weakness is high, high emotional involvement in relationships perceived by the customer reduces his desire to change the consumer brand.
