Credit Risk Modelling Techniques For Life Insurers

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Abstract

This study was intended to study credit risk modeling techniques for life insurers. This study was guided by the following objectives; to know the best techniques of credit risk modeling for life insurers. To examine the impact of credit risks on life insurers. To examine the benefits of credit to life insurer. To examine the relationship between credit and performance of insurers. To know if credit facilities are readily made available to insurers.
The study employed the descriptive and explanatory design; questionnaires in addition to library research were applied in order to collect data. Primary data sources were used and data was analyzed using the chi-square statistical tool at 5% level of significance which was presented in frequency tables and percentage. The respondents under the study were 32 employees of the African Alliance Insurance company, Abuja.
The study findings revealed that credit risks taken by insurance companies are high, credit risks negatively affect insurance institutions; based on the findings from the study, efforts should be made by the Nigerian government and stakeholders in ensuring a less risk model when it comes to credit facilities

Chapter One

1.0 INTRODUCTION
This chapter introduces the Credit Risk Modelling Techniques For Life Insurers and its relevance, states the research problems, research questions, and objectives, provides a background of the study, and should also include the research hypothesis.

Chapter Two

2.0 LITERATURE REVIEW
2.1 Introduction

The chapter presents a review of related literature that supports the current research on the Credit Risk Modelling Techniques For Life Insurers, systematically identifying documents with relevant analyzed information to help the researcher understand existing knowledge, identify gaps, and outline research strategies, procedures, instruments, and their outcomes

Table of Contents

Abstract

Chapter one
Introduction
1.1. Background of the study
1.2. Statement of the problem
1.3. Research questions
1.4. Aims and objectives of the study
1.5. Significance of the study

Chapter two
Review of related literature
2.1. Introduction
2.2. Theoretical framework
2.3. Economics and financial literature
2.3. Industry literature
2.3. Empirical review

Chapter three
Research methodology
3.1. Research design
3.2. Population of the study
3.3. Sample and sampling technique
3.4. Research instrument
3.5. Validity of instrument
3.6. Method of data collection

Chapter four
Analysis of data and discussion of results

Chapter five
Summary, conclusion and recommendation
5.1. Summary
5.2. Recommendation
5.3. Conclusion
Reference
Appendix

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