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...

this research study aimed to investigate the relationship between field-dependence/independence cognitive style and vocabulary learning strategies among iranian efl learners. ninety participants majoring in english translation at arak university were chosen. the participants were classified into two groups of field-dependent and independent based on the results of group embedded figure test (ge...

  Background and Objective : Job selection is the most important and basic apprehension of a person. Pharmacy is one of medical fields which have favorable interest and selection among most young people. Finding and improving of students' motivations and interests can improve their success. This study was performed to find the field selecting motivations among Zanjan pharmacy students in 1...

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...