Abstract
Wide offer of life insurance is one of the most important factors in promoting and increasing social welfare level. People are not more familiar about the cultural factors, economical factors and geographical factors in insurance industry. This research investigated three factors such as economical and cultural and geographical factors in Guilan. The research statistical society includes Asia insurances companies in Guilan province. For sample size, we used of random sampling method and sample size is determined 212 numbers. To investigate the validity of study, we used of single dimension method and exploratory factor analysis method and confirmatory factor analysis method. To final assess we used of kronbakh test. Data are used of inferential statistical techniques and structural equations are used of LISREL software and collected data were analyzed by SPSs software. Every three hypotheses have been rewired and approved. On the basis of achieved results, we can say that insurance is an facility not only for future economic losses compensation diverging from incidents with future supple ion but also improves living levels and it helps to develop economic of society and can provide comfort to the members of the community.
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