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Article INSTITUTIONAL DETERMINANTS OF LIFE INSURANCE DEMAND: NEW EVIDENCE FROM EUROPEAN COUNTRIES authors: Dragoș Simona Laura, Codruța Mare, Ingrid Mihaela Dragota, Mureșan Gabriela Mihaela, Urean Andreea Claudia  presented at International Finance and Banking Conference – FIBA 2016, Faculty of Finance and Banking, Academy of Economic Studies, Bucharest 24-25 March 2016. Conference programme available at :

http://www.fin.ase.ro/FIBA2016/fisier/Program2016.pdf