بررسي تاثير متغيرهاي كلان اقتصادي جمهوري اسلامي ايران بر تقاضاي بيمه عمر

1. Surveying Effects of Macro Economical Variables of Islamic Republic of Iran on Life Insurance Demand

Economic environments have a lot of influences on insurance growth. From 1996 insurance growth was intensified in Iran. This research will be responsible for expressing a demand model from macro economic perspective in Iran. This research shows the relation between macro economic variables (eg. GDP, financial development, interest rate, inflation rate & insurance price) statistical variables (eg. Life expectancy) and demand for life insurance (received premiums). General econometrics method used for data analysis and OLS method used for modeling. The fundamental consequences of this research show that GDP and Predicted inflation rate have a significant relation with life insurance demand. Amazing consequence is positive relation of demand with insurance rate that seems to be a paradox. In addition, the life expectancy variable, evaluated to be effective on demand with positive coefficient.