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This study empirically analyzes the Socio-economic, Demographic and Institutional Variablesi¯ Impact on the Development of Life Insurance in Sub-Saharan Africa and Madagascar taking into account the Socio-economic and the Cultural structures of the set of countries. A mixed effect panel model is used to estimate the relationship between these variables and life insurance provisions, life insurance density and life insurance premium. covering the period 2000-2013, we found that financial development and urbanization are the only variables significantly related to all the variables of interest.

Socio-Economic, Demographic and Institutional Variables’ Impact on the Development of Life Insurance in Sub-Saharan Africa and Madagascar