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 :