Joey , Low, Tan Kokkiang, Chou Sok Fong, and Behrang Samadi. “Efficiency and Productivity of the Life Insurance Industry in Malaysia”. Electronic Journal of Business and Management 8, no. S2 (November 1, 2023): 90–105. Accessed April 24, 2026. https://ejbm.apu.edu.my/index.php/EJBM/article/view/203.