it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

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...

the purpose of this paper is to look at four important aspects of vandevelde’s criticisms of gadamer. first is his position on gadamer’s claim that his hermeneutics is a “philosophical hermeneutics” and not a methodology. second is vandevelde’s view of interpretation as necessarily going back to the author’s intention, and the status of the “mental state” of the author. is it relevant to interp...

the speech act of disagreement has been one of the speech acts that has received the least attention in the field of pragmatics. this study investigates the ways power relations, social distance, formality of the context, gender, and language proficiency (for efl learners) influence disagreement and politeness strategies. the participants of the study were 200 male and female native persian s...

when we return to the concept of poetry and the age-old discussion about the uselessness or the usefulness of the poets to the private and public state of human beings, originating from plato and aristotles views about poets respectively, there emerges the question of the role of poetry in human beings lives. in the same manner, with the advance of technology and the daily progress and improvem...

Introduction: This article is a critical paper related to outstanding paper, namely “Methodological and meaning critique of social capital” by Fariborz Raisdana in the 55th issue of the Journal of Social Welfare.  Since the early 1990s the social capital appeared in the development lexicon as a positive phenomenon, in contrast to Marxist perspective that has always been theorized capital as a h...

Introduction: This article is a critical paper related to outstanding paper, namely “Methodological and meaning critique of social capital” by Fariborz Raisdana in the 55th issue of the Journal of Social Welfare.  Since the early 1990s the social capital appeared in the development lexicon as a positive phenomenon, in contrast to Marxist perspective that has always been theorized capital as a h...

  The purpose of this paper is to look at four important aspects of Vandevelde’s criticisms of Gadamer. First is his position on Gadamer’s claim that his hermeneutics is a “philosophical hermeneutics” and not a methodology. Second is Vandevelde’s view of interpretation as necessarily going back to the author’s intention, and the status of the “mental state” of the author. Is it relevant to int...

abstract u.s. attack to afghanistan after 9/11 provided opportunities for us who tried to become the dominant power after collapse of ussr and bipolar world. thinkers like fukuyama believed american liberal democrats thought would be universally accepted without resistances. liberal democracy is the best and final model of governance; in this regard, united state has moral responsibilities for...