TABLE OF CONTENTS

Title Page

Declaration      -           -           -           -           -           -           -           -           ii

Certification    -           -           -           -           -           -           -           -           iii

Dedication      -           -           -           -           -           -           -           -           iv

Acknowledgment       -           -           -           -           -           -           -           v-vi

Table of Contents       -           -           -           -           -           -           -           vii-x

Abstract          -           -           -           -           -           -           -           -           xi

CHAPTER ONE

1.1              Background of the Study                   -           -           -           -           1-4      

1.2              Statement of the Problem                   -           -           -           -           4-5

1.3              Objective of the Study           -           -           -           -           -           6

1.4              Research Questions     -           -           -           -           -           -           6         

1.5              Research Hypothesis   -           -           -           -           -           -           7         

1.6              Significance of the Study       -           -           -           -           -           7-8      

1.7              Scope and Limitation of Study                      -           -           -           8-9      

1.8              Organization of Study            -           -           -           -           -           -           9         

1.9              Definitions of Terms   -           -           -           -           -           -           10       

CHAPTER TWO

2.0       Literature Review       -           -           -           -           -           -           11       

2.1       Introduction    -           -           -           -           -           -           -           11

2.2       Theoretical Framework           -           -           -           -           -           11

2.2.1    Evolution of Life Assurance   -           -           -           -           -           11-13  

2.3       Conceptual Framework           -           -           -           -           -           14

2.3.1    Basic Types of Life Assurance Policies          -           -           -           14-20

2.3.2    Other Types of Life Policy     -           -           -           -           -           20-21

2.3.4    Legal Principles of Life Assurance     -           -           -           -           21-24

2.3.5    Functions of Life Assurance   -           -           -           -           -           25-26

2.3.6    Underwriting of Life Assurance         -           -           -           -           26-27

2.3.7    Factors to be considered in Life Assurance Underwriting     -           27-28

2.3.8    Underwriting Measures          -           -           -           -           -           28-29

2.3.9    Life Assurance Claims            -           -           -           -           -           29-31

2.3.10  Life Assurance Market           -           -           -           -           -           31-35

2.3.11  Factors Hindering the Purchase of Life Assurance Products

by the Public   -           -           -           -           -           -           -           36-37

2.4       The Empirical Framework       -           -           -           -           -           38-43              

CHAPTER THREE

3.0       Research Methodology           -           -           -           -           -           44       

3.1       Design of the Study    -           -           -           -           -           -           44       

3.2       Area of the Study       -           -           -           -           -           -           44-45

3.3       Population of the Study          -           -           -           -           -           45       

3.4       Sampling Size -           -           -           -           -           -           -           45       

3.5       Source of Data                        -           -           -           -           -           -           45       

3.5.1    Instrument of Data Collection            -           -           -           -           -           46       

3.6       Validation of the Analysis      -           -           -           -           -           46

3.7       Method of Data of Analysis   -           -           -           -           -           46-48  

CHAPTER FOUR

4.0       Presentation and Analysis of Data     -           -           -           -           49       

4.1       Introduction    -           -           -           -           -           -           -           49       

4.2       Data Presentation        -           -           -           -           -           -           49-50  

4.3       Classification and Analysis of Response in the Questionnaire           50-58

4.4       Test of Hypothesis                  -           -           -           -           -           58-64  

CHAPTER FIVE

5.0       Summary, Conclusion and Recommendation -           -           -           65

5.1       Summary of Finding   -           -           -           -           -           -           65-66

5.2       Conclusion      -           -           -           -           -           -           -           66-67

5.3       Recommendation -      -           -           -           -           -           -           67

            Bibliography

            Appendix

LISTS OF TABLES

Table 1: Sex Distribution of the Respondents            -           -           -           50

Table 2: Age Distribution of the Respondents           -           -           -           51

Table 3: Marital Status Distribution of the Respondents       -           -           51

Table 4: Do you have any Life Assurance Policy?     -           -           -           52

Table 5: If you have a Life Assurance Policy, is there any benefit in

taking a Life Assurance Policy?        -           -           -           -           52

Table 6: Do you think life assurance is made known to the public?   -           53

Table 7: Are the Marketing Activities of Life Assurance Company

effective?     -           -           -           -           -           -           -           53

Table 8: Do you understand the terms and conditions?         -           -           54

Table 9: Does Life Assurance Cost affect the purchase of

Life Assurance by Civil servants?   -           -           -           -           54

Table 10: There is low perception of life assurance policies in

Akwa Ibom State   -        &nbsp