Article THE NEXUS BETWEEN THE DEMAND FOR LIFE INSURANCE AND INSTITUTIONAL FACTORS IN EUROPE: NEW EVIDENCE FROM A PANEL DATA APPROACH, authors: Dragoș Simona Laura, Codruța Mare, Ingrid Mihaela Dragota, Dragoș Cristian Mihai and Mureșan Gabriela Mihaela presented at Management International Conference MIC – the 16th edition, Juraj Dobrila University of Pula, Croatia, 1-4 June 2016. Extended abstract available at: