# References

Tsafrir, Nurit. Collective Liability in Islam: The ‘Aqila and Blood Money Payments. UK, Cambridge University Press, 2020. 

Haueter, Niels Viggo. A History of Insurance. Swiss Re, 2013/2017. <https://www.swissre.com/dam/jcr:638f00a0-71b9-4d8e-a960-dddaf9ba57cb/150_history_of_insurance.pdf>&#x20;

International Cooperative and Mutual Insurance Federation. A Practical Guide to Understanding Mutual Insurance. <https://www.icmif.org/wp-content/uploads/2020/07/Guide_Mutual-insurance_Icmif.pdf>&#x20;

Chugh, Lal and Meador, Joseph W., "Demutualization in the Life Insurance Industry: A Study of Effectiveness" (2006). Financial Services Forum Publications. 8. <https://scholarworks.umb.edu/financialforum_pubs/8> &#x20;

WARD, D. and R. ZURBRUEGG (2002). “Law, Politics and Life Insurance Consumption in Asia”, The Geneva Papers on Risk and Insurance, 27(3), 395–412.

Polborn, Mattias K (1998). “A Model of an Oligopoly in an Insurance Market”, The Geneva Papers on Risk and Insurance Theory, 23, 41-48.

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