Article INSTITUTIONAL DRIVERS OF LIFE INSURANCE CONSUMPTION: A DYNAMIC PANEL APPROACH FOR EUROPEAN COUNTRIES, authors: Dragoș Simona Laura, Codruța Mare and Dragoș Cristian Mihai presented at the Annual Scientific Conference of Romanian Economists from Abroad (Conferința Științifică Anuală a Economiștilor Români din Mediul Academic din Străinătate) – 3rd edition (ERMAS), University of West, Faculty of Economics and Business Administration, Timișoara, 1-4 August 2016.

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