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...

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...

we commence by using from a new norm on l1(g) the -algebra of all integrable functions on locally compact group g, to make the c-algebra c(g). consequently, we find its dual b(g), which is a banach algebra so-called fourier-stieltjes algebra, in the set of all continuous functions on g. we consider most of important basic theorems about this algebra. this consideration leads to a rather com...

the present study is paid to the evaluation of the welfare program of the unemployment insurance in iran. the main purpose which was the main reason for performing this thesis, was the unemployment insurance plan’s challenges in iran such as financial problems of this plan, prolongation of the credit receipt for some insured people, unemployment slow exiting from the unemployment insurance fund...

short story as an important literary genre in the recent decade is focused by many of young writers and literary critical with searching structure, content , artistic techniques and cognitive phenomenon of these works , we can show quantity of using some parts of storied literature from new literal techniques of the word and also we can show the usage of native, cultural and social foundation...

in this work, a novel and fast method for direct analysis of volatile compounds (davc) of medicinal plants has been developed by holding a filament from different parts of a plant in the gc injection port. the extraction and analysis of volatile components of a small amount of plant were carried out in one-step without any sample preparation. after optimization of temperature, extraction time a...

‎in this article‎, ‎we have focused one some basic and productive information about the properties of spectrum and singular values related to compact operators which are ideals in a c*-algebra of bounded operators‎. ‎considering a two-sided connection between the family of symmetric gauge functions on sequence of singular values of compact operators and symmetric norms on finite dimensional ope...

the purpose of the present study was to investigate the effect of instruction through debate on male and female efl learners’ reading comprehension, to examine the differences between the performance of male and female participants on the five dimensions of cctst including analysis, evaluation, inference, deductive reasoning, and inductive reasoning, and to examine the differences between male ...

magnetic resonance imaging (mri) is a notable medical imaging technique that makes of phenomenon of nuclear magnetic resonance. because of the resolution and the technology being harmless, mri has considered as the most desirable imaging technique in clinical applications. the visual quality of mri plays an important role in accuracy of medical delineations that can be seriously degraded by exi...