N. Pekin Alakoc
College of Business Administration, American University of The Middle East, Kuwait

College of Business Administration, American University of The Middle East, Block 3, Building 1, Egaila, Kuwait

A. Apaydin
Department of Insurance and Actuary Sciences, Ankara University, Ankara, Turkey

Department of Insurance and Actuary Sciences, Ankara University, Faculty of Applied Sciences 50. Yil District, Munzeviler Street No: 87, 06590 Cebeci, Cankaya, Ankara, Turkey