abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

Relative risk (RR) and Odds ratio (OR) are two measures of risk which has been widely used in epidemiological studies. The cohort studies are designed to directly compute a relative risk, but the situation is somewhat more complicated in the case-control design. In these studies, the odds ratio gives a valid estimate of the effect size. There is not a serious problem if you don’t use of t...