بررسي تاثيرات تغيير نرخ سود بانكي بر بازدهي بيمه هاي عمر در صنعت بيمه ايران

5. Surveying the Effects of Bank Interest Rate Changes on life Insurance Turnover in Iran Insurance Industry

Insurance has a very important role in strengthening the economies of a society, and with creation of safety and security, predisposes progation of manufacturing and service activities. Because life insurance covers have saving nature, so they attract insurers who buy insurance policies from this stand point. The saving aspect of this cover is based on the interest rate that applies for life insurance and its turnover calculations. If insurance companies donʹt determine the accurate rate, they will get loss. The implied interest rate of life insurance is affected by several factors and the most important factor in bank interest rate. Based on the reasons of this research, a meaningful relation exists between changing of bank interest rate and life insurance turnover and also between increasing of bank interest rate and revenues achieved from investing life insurance premiums in several places. With decreasing of bank interest rate, the tendency for investing in life insurance will increase.