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Abstract
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To increase the share of life insurance from the written insurance premium of commercial insurance and also considering the necessity of keeping life insurance customers by insurance companies, it is necessary to investigate the causes of surrendering life insurance and provide solutions to prevent it. Based on this, the aim of this paper is to investigate the surrender of life insurance and analyze the corporate and economic factors affecting it in Iran’s insurance industry. In order to respond to this goal, the effort is to first identify the micro-corporate factors as well as the economic factors affecting the surrender of life insurance and evaluate and analyze the effectiveness of each factor. Then, the information available in this field is examined separately for Iran’s insurance companies and analyzed at micro and macro levels, and finally, operational solutions and necessary measures to reduce surrendering the life insurance are presented.
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