This work is licensed under a
Creative Commons Attribution 4.0 International License
 Baratpour, Mostafa (2011), "analyzing the role of human capital on life insurance (case study: Tehran), M. S. dissertation, Azad Islamic University, Tehran.
 Pezeshk Falah, Zahra (2001), "studying main affecting factors on vehicle body insurance and estimating a proper pattern, Insurance Industry Quarterly, vol. 3, p.133 – 158.
 Jalali Lavasani, Ehsan (2005), studying the impact of macroeconomic variables on the demand of persons' insurance, Insurance Industry Quarterly, vol. 2, p.117 – 158.
 Sumita, Takayuki. (2008), "Intellectual assets based management for innovation Lessons from experiences in Japan, Journal of Intellectual Capital, 9(2), pp.206-227.DOI: https://doi.org/10.1108/14691930810870300
 Chupani, Heydar; Zare Khalili, Mojtaba; Ghasemi, Aghil; Gholamzadeh, Hujjat (2012).
 Khosravi, Amir (2009), studying affecting factors of service quality on satisfaction and loyalty, Azad Islamic University, Irak Dehkhoda Encyslopedia, www. vajehyab. com.
 Fetres Mohammad Hassan & Beigi, Turaj (2010).
 Qelichli, Behruz (2013), knowledge management: the process of creating, sharing and applying intellectual capital in businesses, SAMT, Tehran, p.252.
 Kazemi, Mustafa, (2013), insurance penetration ratio through compulsory insurances, www. bina. ir.
 Karimi, Ayat (2011), insurance overviews, Insurance Research Center.
 Mojtahedzadeh, Vida (2010), the relationship between intellectual capital (human, customer, structural) and insurance industry performance (in terms of managers), Auditing and Accounting Studies, vol. 17, p.109 – 119.
 Moshabaki, Asghar & Qelichli, Behruz (2007), comparative advantage: clarifying the role of intellectual capital and social capital, Human Science Instructor Quarterly, vol. 3, p.233 – 260.
 Malaei, Fatemeh (2008), intellectual capital performance appraisal by using BSC model, dissertation, Management School, University of Tehran.
 Morely, Philip (2012), insurance marketing, translated by Vazifehdoost, Hussein & Hassannejad Kashani, Behzad, Shahr Ashoob ublications, Tehran, p.226.
 Moven, John & Minor, Michel (2009), consumer's behavior, translated by Heydarzadeh, Kambiz, Azad Islamic University Press, Qazvin p.553.
 Mahdavi, Ghadir & Seiflu, Sajjad (2011), the guidelines to develop insurance in money and capital market, p.1 – 26.
 Namazi, Mohammad & Ebrahimi, Shahla (2001), "studying empirical role of human capital components in evaluating financial operation of Tehran Stock Exchange listed companies, Accounting Progress Journal, University of shiraz, vol. 3, p.163 – 197.
 Norouzi, Feizollah & Molazadeh, Manli (2013), studying insured's satisfaction from life insurance and its affecting factors, Binesh, vol. 58, p.1 – 18 Wikipedia (2014), demand, www. wikipedia. org.
 Alipour, Mohammad, (2012). The effect of intellectual capital on firm performance: An investigation of Iran insurance companies, MEASURING BUSINESS EXCELLENCE, 16(1), pp.53-66.DOI: https://doi.org/10.1108/13683041211204671
 Baharum, M. R; Pitt, M. (2009), Determining a conceptual framework for green FM intellectual capital, Journal of Facilities Management, 7)4(; pp.267-282.DOI: https://doi.org/10.1108/14725960910990026
 Bukh, Per Nikolaj; Christensen, Kenneth; Mouritsen, Jan (2005), Knowledge Management and Intellectual Capital, PALGRAVE MACMILLAN, New York.DOI: https://doi.org/10.1002/9781118785317.weom010065
 Choo, Chun Wei; Bontis, Nick (2002), The Strategic Management of Intellectual Capital and Organizational Knowledge, Oxford University Press, Inc., New York.
 Hunter, Laurie. (2012), Intellectual Capital: Accumulation and Appropriation, Melbourne Institute Working Paper, (22/02).
 Lopez Saez, Pedro; de Castro, Gregorio Martin; Navas Lopez, Jose Emilio; Delgado Verde, Miriam. (2010), Intellectual Capital and Technological Innovation, Information Science Reference, United States.DOI: https://doi.org/10.1057/9780230281462_4
 Mondal, Amitava; Kumar Ghosh, Santanu (2012), Intellectual capital and financial performance of Indian banks, Journal of Intellectual Capital, 13(4), pp.515-530.DOI: https://doi.org/10.1108/14691931211276115
 Nyman, John A. (2001), The Demand for Insurance: Expected Utility Theory from a Gain Perspective, pp.1-31.
 Osterville, J. Francois. (2013), THE RELATIONSHIP BETWEEN INSURANCE AND ECONOMIC DEVELOPMENT: 85 EMPIRICAL PAPERS FOR A REVIEW OF THE LITERATURE, Risk Management and Insurance Review, 16)1(, pp.71-122.DOI: https://doi.org/10.1111/j.1540-6296.2012.01219.x