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Underwriting policy and its impact on the productivity of the life insurance portfolio: Analytical study in the "Iraqi General Insurance Company
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The research aims to study the basic concepts of the underwriting policy with its various indicators. The researcher studies the underwriting policy with its various indicators (sex, health status, age of the insured, insurance amount, The method of acceptance, payment method, and duration of insurance) where each of these indicators constitute an important factor in the productivity of life insurance policies, where the productivity of life insurance policies face many difficulties because insurance is a service and not a tangible material commodity and its benefits and not current. Therefore, the life insurance company needs to use a prudent underwriting policy so as not to endanger its financial position due to the expansion of the underwriting. In line with the research problem, which stipulates the weakness of the underwriting policy, which does not fit in the details of the insurance company and the research sample, as well as the dependence of employees in the issuance department in examining the applications of life insurance received for their company with a view to accepting, rejecting or postponing their coverage, on the accumulated experience. They have without taking into account the economic, social and political changes of the claimants. Accordingly, we will formulate the following question: What is the impact of the underwriting policy on the productivity of life insurance policies? The research hypothesis has been formulated to study and analyze the relationship between the underwriting policy and the life insurance policy of the insurance company. The research sample was determined by the Iraqi General Insurance Company.

The statistical program SPSS-Ver (20) was used to extract the subscription policy for the period (2008-2017) as well as the use of the productivity of life insurance policies. The most prominent results of the research indicate that there is a strong and positive correlation between the underwriting policy and the productivity of life insurance policies. In general, the results of a simple impact analysis indicate that there is an impact between the underwriting policy and the productivity of life insurance policies.

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Publication Date
Mon Feb 20 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Studying the Effect of Zirconia on Some Physical Properties of Porcelain
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In this study porcelain was prepared by using composition consisting of raw materials with in following fractions , 50% kaolin , 25% feldspar, and 25% silica( SiO2) tested by XRay diffraction (XRD) method .Study the effect additives at different concentration from zirconia (ZrO2) (2,5,10,15,20) Wt% on some physical properties of porcelain, the sample is prepared by the conventional manufacturing method , It is found that some physical properties of porcelain changes considerably with the substituent sample, It was found that the increase of zrconia (ZrO2) additive of all our sample produce. Increasing in dielectric constant and bulk density and decreasing with open porosity and dielectric loss tangent

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Publication Date
Mon Jul 31 2017
Journal Name
Journal Of Engineering
Effects of Fuel Oil on the Geotechnical Properties of Clay Soil
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Publication Date
Thu May 18 2023
Journal Name
Journal Of Engineering
Effect of Hydrated Lime on the Properties of Roller Compacted Concrete
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Roller compacted concrete (RCC) is a concrete of no slump, no reinforcement, no finishing, and compacted using vibratory roller. When compared with conventional concrete, it contains less water content
when compared to traditional concrete. The RCC technique achieves significant time and cost savings during the construction of concrete. This study demonstrates the preparation of RCC slab of (38 ×38× 10) cm
samples by using roller compactor which is manufactured in local markets. The Hydrated lime additive is used to study the mechanical and physical properties of that RCC slab samples. This investigation is divided
into two main stages: The First stage consists of hammer compaction method with two gradation of aggregate, dense

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Publication Date
Wed Jan 19 2022
Journal Name
Iraqi Journal Of Science
Determination of the Toxicity of Fumonisin B1 on Male Albino Mice
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Fumonisin B1 is a toxic compound produced by Fusarium verticillioides. Liver and kidney are the major organs considered target to FB1 toxicity that is characterized by apoptotic, necrosis, and regeneration. Thirteen local isolates of F. verticillioides isolated form maize samples that collected from local markets and silos in Baghdad. Morphological identification are occurred and confirmed by PCR and their ability to produce FB1 was detected using ELISA techniques, Thirty six male albino mice were divided into six groups. Each group orally gavaged with different concentration of FB1. After 24hours, all treated mice were examined to determine the concentration which killed half of animals and was considered as LD50, the remaining groups w

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Publication Date
Sat Mar 01 2008
Journal Name
Iraqi Journal Of Physics
Effect of Pressure on the Properties of HgBa2Ca2Cu3O8+δ HTSC System
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High temperature superconductors with a nominal composition HgBa2Ca2Cu3O8+δ
for different values of pressure (0.2,0.3, 0.5, 0.6, 0.9, 1.0 & 1.1)GPa were prepared by
a solid state reaction method. It has been found that the samples were semiconductor
P=0.2GPa.while the behavior of the other samples are superconductor in the rang
(80-300) K. Also the transition temperature Tc=143K is the maximum at P is equal to
0.5GPa. X-ray diffraction showed a tetragonal structure with the decreasing of the
lattice constant c with the increasing of the pressure. Also we found an increasing of
the density with the pressure.

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Publication Date
Thu Apr 20 2023
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Effect of the Synthesis Time on Structural Properties of Copper Oxide
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The structural properties of the CuO nanopowder oxide prepared reflux technique
without any templates or surfactant, using copper nitrate hydrate (Cu(NO)3 3H2O) in deionized
water with aqueous ammonia solution are reported. The Xrd analysis data and processing in origin
pro program used to get FWHM and integral width to study the effect of different synthesis times
was studied on the structural properties. It was found that values of crystal sizes are 17.274nm,
17.746nm, and 18.560nm, the size of nanoparticles is determined by Halder-Wagner, and 15.796
nm, 15.851nm, and 16.52nm, were calculated by Size-Strain Plot (SSP) method. The Sample was
considered to determine physical and microstructural paramete

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Publication Date
Sun Apr 30 2017
Journal Name
Journal Of Engineering
Effect of Construction Joints on the Behavior of Reinforced Concrete Beams
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In this study, the effect of construction joints on the performance of reinforced concrete beams was experimentally investigated. Seven beam specimens, with dimensions of 200×100×1000 mm, were fabricated. The variables were considered including; the location and configuration of the joints. One beam was cast without a joint (Reference specimen), two specimens were fabricated with a one horizontal joint located either at tension, or compression zone. The fourth
beam had two horizontal joints placed at tension, and compression area. The remaining specimens were with one or two inclined joints positioned at the shear span or beam’s mid-span. The specimens were subjected to a monotonic central concentrated loading until the failure. T

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Publication Date
Sat Dec 01 2012
Journal Name
Iraqi Journal Of Physics
The effects of Core-polarization on inelastic form factors of 10B
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Inelastic transverse and longitudinal form factors of same parity have
been studied for B 10 nucleus in the frame work of the shell model for
many particles, by using He 4 as an inert core and the remaining
particles were distributed in 3 / 2 1 / 2 1p ,1p which form the model
space. The calculations of the present work based on the harmonic
oscillator potential with fixed size parameter (b). Here we use the
first order correction for the perturbation theory and the interaction
from Cohen-Kurath (CK). Adding the core-polarization effects to
form factors calculations gave a good agreement with the
experimental data. Calculations have been performed for the
transverse excited states of: (1 ,0 )at ( E  0.178M

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Publication Date
Sun Dec 06 2009
Journal Name
Baghdad Science Journal
Effect the combination of antibiotics on clinical isolates of Staphylococcus aureus
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Atotal of 75 different clinical samples were collected from different hospitals in Baghdad Biochemical and morphological characterization tests showed that forty isolates were identified as Staphylococcus aureus Antibiotic susceptibility tests of all isolates towards ten antibiotics were carried out and results showed that many isolates (97.5 %) were resistant to ?-lactam antibiotic , 70 % were resistant to Tetracyclinee , 62.5% were resistant to co-trimoxazole , 60 % were resistant to ciprofloxacin , 55% were resistant both of chloramphenicol and erythromycin , 52.5% were resistant to gentamicin , 35% were resistant to rifampicin , 10% were resistant to vancomycin . According to the above results the S.aureus I1 which is isolated

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Publication Date
Sat May 01 2021
Journal Name
Key Engineering Materials
The Effect of Temperature Width on Dielectric Constant of Vanadium Dioxide
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A significant influence of temperature width found on the vanadium oxide properties, it plays a major role in highlighting the thermal limits of the three phases (metallic, semiconductor, and dielectric). Two values of the temperature width , and , had taken and studied their effect on both the dielectric constant and its two parts; refractive index, and extinction coefficient, and. It found that: as the temperature width is greater, the more the properties of the three phases for . In addition to increasing the thermal range for phases which can be reached to when , while it's at . Our results have achieved great compatibility with the published results globally. In addition to the effect of both ultraviolet, visible, and infrared

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