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An Investigation on Early Voluntary Withdrawals from Indivi..:

Yildiz, Yilmaz ; Karan, Mehmet Baha ; Bayrak Salantur, Seyma
The Geneva Papers on Risk and Insurance - Issues and Practice.  42 (2017)  4 - p. 732-756 , 2017
Link: https://doi.org/10.1057/s41288-016-0037-9