id	sid	tid	token	lemma	pos
esutjss-252	1	1	volume	volume	NOUN
esutjss-252	1	2	9	9	NUM
esutjss-252	1	3	number	number	NOUN
esutjss-252	1	4	1	1	NUM
esutjss-252	1	5	,	,	PUNCT
esutjss-252	1	6	2024	2024	NUM
esutjss-252	1	7	faculty	faculty	NOUN
esutjss-252	1	8	of	of	ADP
esutjss-252	1	9	social	social	ADJ
esutjss-252	1	10	sciences	science	NOUN
esutjss-252	1	11	,	,	PUNCT
esutjss-252	1	12	enugu	enugu	PROPN
esutjss-252	1	13	state	state	PROPN
esutjss-252	1	14	university	university	PROPN
esutjss-252	1	15	of	of	ADP
esutjss-252	1	16	science	science	NOUN
esutjss-252	1	17	and	and	CCONJ
esutjss-252	1	18	technology	technology	NOUN
esutjss-252	1	19	editor	editor	NOUN
esutjss-252	1	20	-	-	PUNCT
esutjss-252	1	21	in	in	ADP
esutjss-252	1	22	-	-	PUNCT
esutjss-252	1	23	chief	chief	NOUN
esutjss-252	1	24	prof	prof	NOUN
esutjss-252	1	25	.	.	PUNCT
esutjss-252	2	1	oby	oby	PROPN
esutjss-252	2	2	omeje	omeje	PROPN
esutjss-252	2	3	managing	managing	PROPN
esutjss-252	2	4	editor	editor	NOUN
esutjss-252	2	5	prof	prof	PROPN
esutjss-252	2	6	.	.	PUNCT
esutjss-252	3	1	barnabas	barnabas	PROPN
esutjss-252	3	2	nwankwo	nwankwo	PROPN
esutjss-252	3	3	published	publish	VERB
esutjss-252	3	4	by	by	ADP
esutjss-252	3	5	enugu	enugu	PROPN
esutjss-252	3	6	state	state	PROPN
esutjss-252	3	7	university	university	PROPN
esutjss-252	3	8	of	of	ADP
esutjss-252	3	9	science	science	PROPN
esutjss-252	3	10	&	&	CCONJ
esutjss-252	3	11	technology	technology	PROPN
esutjss-252	3	12	journal	journal	NOUN
esutjss-252	3	13	of	of	ADP
esutjss-252	3	14	social	social	PROPN
esutjss-252	3	15	sciences	sciences	PROPN
esutjss-252	3	16	&	&	CCONJ
esutjss-252	3	17	humanities	humanity	NOUN
esutjss-252	3	18	216	216	NUM
esutjss-252	3	19	fire	fire	NOUN
esutjss-252	3	20	insurance	insurance	NOUN
esutjss-252	3	21	premium	premium	NOUN
esutjss-252	3	22	rating	rating	NOUN
esutjss-252	3	23	and	and	CCONJ
esutjss-252	3	24	performance	performance	NOUN
esutjss-252	3	25	of	of	ADP
esutjss-252	3	26	insurance	insurance	NOUN
esutjss-252	3	27	companies	company	NOUN
esutjss-252	3	28	in	in	ADP
esutjss-252	3	29	nigeria	nigeria	PROPN
esutjss-252	3	30	:	:	PUNCT
esutjss-252	3	31	pre	pre	ADJ
esutjss-252	3	32	-	-	ADJ
esutjss-252	3	33	covid	covid	ADJ
esutjss-252	3	34	era	era	NOUN
esutjss-252	3	35	oyerinde	oyerinde	NOUN
esutjss-252	3	36	tunde	tunde	PROPN
esutjss-252	3	37	moses	moses	PROPN
esutjss-252	3	38	oyerindemoses818@gmail.com	oyerindemoses818@gmail.com	PROPN
esutjss-252	3	39	aduloju	aduloju	PROPN
esutjss-252	3	40	s.	s.	PROPN
esutjss-252	3	41	a.	a.	PROPN
esutjss-252	4	1	ksaduloju@gmail.com	ksaduloju@gmail.com	PROPN
esutjss-252	5	1	yusuf	yusuf	PROPN
esutjss-252	5	2	t.	t.	PROPN
esutjss-252	5	3	o.	o.	PROPN
esutjss-252	5	4	toyusuf@yahoo.co.uk	toyusuf@yahoo.co.uk	PROPN
esutjss-252	5	5	department	department	NOUN
esutjss-252	5	6	of	of	ADP
esutjss-252	5	7	actuarial	actuarial	ADJ
esutjss-252	5	8	science	science	NOUN
esutjss-252	5	9	&	&	CCONJ
esutjss-252	5	10	insurance	insurance	NOUN
esutjss-252	5	11	,	,	PUNCT
esutjss-252	5	12	faculty	faculty	NOUN
esutjss-252	5	13	of	of	ADP
esutjss-252	5	14	management	management	NOUN
esutjss-252	5	15	sciences	sciences	PROPN
esutjss-252	5	16	,	,	PUNCT
esutjss-252	5	17	university	university	NOUN
esutjss-252	5	18	of	of	ADP
esutjss-252	5	19	lagos	lago	NOUN
esutjss-252	5	20	abstract	abstract	ADV
esutjss-252	5	21	this	this	DET
esutjss-252	5	22	study	study	NOUN
esutjss-252	5	23	explores	explore	VERB
esutjss-252	5	24	the	the	DET
esutjss-252	5	25	importance	importance	NOUN
esutjss-252	5	26	of	of	ADP
esutjss-252	5	27	accurate	accurate	ADJ
esutjss-252	5	28	fire	fire	NOUN
esutjss-252	5	29	insurance	insurance	NOUN
esutjss-252	5	30	premium	premium	NOUN
esutjss-252	5	31	ratings	rating	NOUN
esutjss-252	5	32	and	and	CCONJ
esutjss-252	5	33	examines	examine	VERB
esutjss-252	5	34	the	the	DET
esutjss-252	5	35	challenges	challenge	NOUN
esutjss-252	5	36	faced	face	VERB
esutjss-252	5	37	by	by	ADP
esutjss-252	5	38	insurers	insurer	NOUN
esutjss-252	5	39	in	in	ADP
esutjss-252	5	40	nigeria	nigeria	PROPN
esutjss-252	5	41	,	,	PUNCT
esutjss-252	5	42	which	which	PRON
esutjss-252	5	43	affect	affect	VERB
esutjss-252	5	44	their	their	PRON
esutjss-252	5	45	overall	overall	ADJ
esutjss-252	5	46	performance	performance	NOUN
esutjss-252	5	47	.	.	PUNCT
esutjss-252	6	1	specifically	specifically	ADV
esutjss-252	6	2	,	,	PUNCT
esutjss-252	6	3	it	it	PRON
esutjss-252	6	4	analyzes	analyze	VERB
esutjss-252	6	5	the	the	DET
esutjss-252	6	6	impact	impact	NOUN
esutjss-252	6	7	of	of	ADP
esutjss-252	6	8	premium	premium	NOUN
esutjss-252	6	9	ratings	rating	NOUN
esutjss-252	6	10	on	on	ADP
esutjss-252	6	11	key	key	ADJ
esutjss-252	6	12	performance	performance	NOUN
esutjss-252	6	13	indicators	indicator	NOUN
esutjss-252	6	14	such	such	ADJ
esutjss-252	6	15	as	as	ADP
esutjss-252	6	16	shareholder	shareholder	NOUN
esutjss-252	6	17	value	value	NOUN
esutjss-252	6	18	,	,	PUNCT
esutjss-252	6	19	investment	investment	NOUN
esutjss-252	6	20	portfolios	portfolio	NOUN
esutjss-252	6	21	,	,	PUNCT
esutjss-252	6	22	and	and	CCONJ
esutjss-252	6	23	profitability	profitability	NOUN
esutjss-252	6	24	.	.	PUNCT
esutjss-252	7	1	a	a	DET
esutjss-252	7	2	descriptive	descriptive	ADJ
esutjss-252	7	3	survey	survey	NOUN
esutjss-252	7	4	research	research	NOUN
esutjss-252	7	5	design	design	NOUN
esutjss-252	7	6	was	be	AUX
esutjss-252	7	7	employed	employ	VERB
esutjss-252	7	8	,	,	PUNCT
esutjss-252	7	9	utilizing	utilize	VERB
esutjss-252	7	10	secondary	secondary	ADJ
esutjss-252	7	11	data	datum	NOUN
esutjss-252	7	12	sourced	source	VERB
esutjss-252	7	13	from	from	ADP
esutjss-252	7	14	the	the	DET
esutjss-252	7	15	e	e	NOUN
esutjss-252	7	16	-	-	NOUN
esutjss-252	7	17	view	view	NOUN
esutjss-252	7	18	platform	platform	NOUN
esutjss-252	7	19	.	.	PUNCT
esutjss-252	8	1	this	this	DET
esutjss-252	8	2	method	method	NOUN
esutjss-252	8	3	was	be	AUX
esutjss-252	8	4	chosen	choose	VERB
esutjss-252	8	5	for	for	ADP
esutjss-252	8	6	its	its	PRON
esutjss-252	8	7	ability	ability	NOUN
esutjss-252	8	8	to	to	PART
esutjss-252	8	9	access	access	VERB
esutjss-252	8	10	sensitive	sensitive	ADJ
esutjss-252	8	11	information	information	NOUN
esutjss-252	8	12	while	while	SCONJ
esutjss-252	8	13	mitigating	mitigate	VERB
esutjss-252	8	14	potential	potential	ADJ
esutjss-252	8	15	risks	risk	NOUN
esutjss-252	8	16	associated	associate	VERB
esutjss-252	8	17	with	with	ADP
esutjss-252	8	18	direct	direct	ADJ
esutjss-252	8	19	observation	observation	NOUN
esutjss-252	8	20	.	.	PUNCT
esutjss-252	9	1	the	the	DET
esutjss-252	9	2	research	research	NOUN
esutjss-252	9	3	focused	focus	VERB
esutjss-252	9	4	on	on	ADP
esutjss-252	9	5	the	the	DET
esutjss-252	9	6	audited	audit	VERB
esutjss-252	9	7	financial	financial	ADJ
esutjss-252	9	8	statements	statement	NOUN
esutjss-252	9	9	of	of	ADP
esutjss-252	9	10	15	15	NUM
esutjss-252	9	11	licensed	licensed	ADJ
esutjss-252	9	12	general	general	ADJ
esutjss-252	9	13	insurance	insurance	NOUN
esutjss-252	9	14	companies	company	NOUN
esutjss-252	9	15	in	in	ADP
esutjss-252	9	16	nigeria	nigeria	PROPN
esutjss-252	9	17	over	over	ADP
esutjss-252	9	18	a	a	DET
esutjss-252	9	19	20	20	NUM
esutjss-252	9	20	-	-	PUNCT
esutjss-252	9	21	year	year	NOUN
esutjss-252	9	22	span	span	NOUN
esutjss-252	9	23	(	(	PUNCT
esutjss-252	9	24	19992019	19992019	NUM
esutjss-252	9	25	)	)	PUNCT
esutjss-252	9	26	.	.	PUNCT
esutjss-252	10	1	data	datum	NOUN
esutjss-252	10	2	was	be	AUX
esutjss-252	10	3	randomly	randomly	ADV
esutjss-252	10	4	sampled	sample	VERB
esutjss-252	10	5	to	to	PART
esutjss-252	10	6	ensure	ensure	VERB
esutjss-252	10	7	every	every	DET
esutjss-252	10	8	member	member	NOUN
esutjss-252	10	9	of	of	ADP
esutjss-252	10	10	the	the	DET
esutjss-252	10	11	population	population	NOUN
esutjss-252	10	12	had	have	VERB
esutjss-252	10	13	an	an	DET
esutjss-252	10	14	equal	equal	ADJ
esutjss-252	10	15	chance	chance	NOUN
esutjss-252	10	16	of	of	ADP
esutjss-252	10	17	selection	selection	NOUN
esutjss-252	10	18	,	,	PUNCT
esutjss-252	10	19	thereby	thereby	ADV
esutjss-252	10	20	reducing	reduce	VERB
esutjss-252	10	21	bias	bias	NOUN
esutjss-252	10	22	.	.	PUNCT
esutjss-252	11	1	the	the	DET
esutjss-252	11	2	financial	financial	ADJ
esutjss-252	11	3	statements	statement	NOUN
esutjss-252	11	4	were	be	AUX
esutjss-252	11	5	obtained	obtain	VERB
esutjss-252	11	6	from	from	ADP
esutjss-252	11	7	the	the	DET
esutjss-252	11	8	nigerian	nigerian	ADJ
esutjss-252	11	9	stock	stock	NOUN
esutjss-252	11	10	exchange	exchange	PROPN
esutjss-252	11	11	(	(	PUNCT
esutjss-252	11	12	nse	nse	NOUN
esutjss-252	11	13	)	)	PUNCT
esutjss-252	11	14	and	and	CCONJ
esutjss-252	11	15	central	central	ADJ
esutjss-252	11	16	bank	bank	PROPN
esutjss-252	11	17	of	of	ADP
esutjss-252	11	18	nigeria	nigeria	PROPN
esutjss-252	11	19	(	(	PUNCT
esutjss-252	11	20	cbn	cbn	PROPN
esutjss-252	11	21	)	)	PUNCT
esutjss-252	11	22	databases	database	NOUN
esutjss-252	11	23	.	.	PUNCT
esutjss-252	12	1	both	both	DET
esutjss-252	12	2	descriptive	descriptive	ADJ
esutjss-252	12	3	and	and	CCONJ
esutjss-252	12	4	inferential	inferential	ADJ
esutjss-252	12	5	statistical	statistical	ADJ
esutjss-252	12	6	methods	method	NOUN
esutjss-252	12	7	were	be	AUX
esutjss-252	12	8	used	use	VERB
esutjss-252	12	9	for	for	ADP
esutjss-252	12	10	analysis	analysis	NOUN
esutjss-252	12	11	.	.	PUNCT
esutjss-252	13	1	the	the	DET
esutjss-252	13	2	findings	finding	NOUN
esutjss-252	13	3	revealed	reveal	VERB
esutjss-252	13	4	a	a	DET
esutjss-252	13	5	significant	significant	ADJ
esutjss-252	13	6	relationship	relationship	NOUN
esutjss-252	13	7	between	between	ADP
esutjss-252	13	8	adequate	adequate	ADJ
esutjss-252	13	9	premium	premium	NOUN
esutjss-252	13	10	ratings	rating	NOUN
esutjss-252	13	11	and	and	CCONJ
esutjss-252	13	12	key	key	ADJ
esutjss-252	13	13	determinants	determinant	NOUN
esutjss-252	13	14	of	of	ADP
esutjss-252	13	15	property	property	NOUN
esutjss-252	13	16	insurance	insurance	NOUN
esutjss-252	13	17	,	,	PUNCT
esutjss-252	13	18	including	include	VERB
esutjss-252	13	19	investment	investment	NOUN
esutjss-252	13	20	portfolios	portfolio	NOUN
esutjss-252	13	21	,	,	PUNCT
esutjss-252	13	22	profitability	profitability	NOUN
esutjss-252	13	23	,	,	PUNCT
esutjss-252	13	24	and	and	CCONJ
esutjss-252	13	25	shareholders	shareholder	NOUN
esutjss-252	13	26	’	'	PUNCT
esutjss-252	13	27	capital	capital	NOUN
esutjss-252	13	28	adequacy	adequacy	NOUN
esutjss-252	13	29	.	.	PUNCT
esutjss-252	14	1	keywords	keyword	NOUN
esutjss-252	14	2	:	:	PUNCT
esutjss-252	14	3	shareholder	shareholder	NOUN
esutjss-252	14	4	,	,	PUNCT
esutjss-252	14	5	investment	investment	NOUN
esutjss-252	14	6	,	,	PUNCT
esutjss-252	14	7	profitability	profitability	NOUN
esutjss-252	14	8	,	,	PUNCT
esutjss-252	14	9	premium	premium	NOUN
esutjss-252	14	10	rating	rating	NOUN
esutjss-252	14	11	,	,	PUNCT
esutjss-252	14	12	performance	performance	NOUN
esutjss-252	14	13	introduction	introduction	NOUN
esutjss-252	14	14	the	the	DET
esutjss-252	14	15	premium	premium	NOUN
esutjss-252	14	16	rating	rating	NOUN
esutjss-252	14	17	strategy	strategy	NOUN
esutjss-252	14	18	employed	employ	VERB
esutjss-252	14	19	by	by	ADP
esutjss-252	14	20	insurance	insurance	NOUN
esutjss-252	14	21	companies	company	NOUN
esutjss-252	14	22	is	be	AUX
esutjss-252	14	23	a	a	DET
esutjss-252	14	24	critical	critical	ADJ
esutjss-252	14	25	determinant	determinant	NOUN
esutjss-252	14	26	of	of	ADP
esutjss-252	14	27	their	their	PRON
esutjss-252	14	28	financial	financial	ADJ
esutjss-252	14	29	performance	performance	NOUN
esutjss-252	14	30	.	.	PUNCT
esutjss-252	15	1	premium	premium	NOUN
esutjss-252	15	2	rating	rating	NOUN
esutjss-252	15	3	refers	refer	VERB
esutjss-252	15	4	to	to	ADP
esutjss-252	15	5	the	the	DET
esutjss-252	15	6	process	process	NOUN
esutjss-252	15	7	of	of	ADP
esutjss-252	15	8	determining	determine	VERB
esutjss-252	15	9	the	the	DET
esutjss-252	15	10	prices	price	NOUN
esutjss-252	15	11	for	for	ADP
esutjss-252	15	12	insurance	insurance	NOUN
esutjss-252	15	13	policies	policy	NOUN
esutjss-252	15	14	by	by	ADP
esutjss-252	15	15	taking	take	VERB
esutjss-252	15	16	into	into	ADP
esutjss-252	15	17	account	account	NOUN
esutjss-252	15	18	various	various	ADJ
esutjss-252	15	19	factors	factor	NOUN
esutjss-252	15	20	such	such	ADJ
esutjss-252	15	21	as	as	ADP
esutjss-252	15	22	risk	risk	NOUN
esutjss-252	15	23	,	,	PUNCT
esutjss-252	15	24	market	market	NOUN
esutjss-252	15	25	competition	competition	NOUN
esutjss-252	15	26	,	,	PUNCT
esutjss-252	15	27	and	and	CCONJ
esutjss-252	15	28	regulatory	regulatory	ADJ
esutjss-252	15	29	frameworks	framework	NOUN
esutjss-252	15	30	.	.	PUNCT
esutjss-252	16	1	pynatih	pynatih	PROPN
esutjss-252	16	2	et	et	PROPN
esutjss-252	16	3	,	,	PUNCT
esutjss-252	16	4	al	al	PROPN
esutjss-252	16	5	;	;	PUNCT
esutjss-252	16	6	(	(	PUNCT
esutjss-252	16	7	2024	2024	NUM
esutjss-252	16	8	)	)	PUNCT
esutjss-252	16	9	stated	state	VERB
esutjss-252	16	10	that	that	SCONJ
esutjss-252	16	11	this	this	DET
esutjss-252	16	12	strategy	strategy	NOUN
esutjss-252	16	13	not	not	PART
esutjss-252	16	14	only	only	ADV
esutjss-252	16	15	influences	influence	VERB
esutjss-252	16	16	the	the	DET
esutjss-252	16	17	company	company	NOUN
esutjss-252	16	18	's	's	PART
esutjss-252	16	19	ability	ability	NOUN
esutjss-252	16	20	to	to	PART
esutjss-252	16	21	attract	attract	VERB
esutjss-252	16	22	and	and	CCONJ
esutjss-252	16	23	retain	retain	VERB
esutjss-252	16	24	clients	client	NOUN
esutjss-252	16	25	but	but	CCONJ
esutjss-252	16	26	also	also	ADV
esutjss-252	16	27	has	have	VERB
esutjss-252	16	28	a	a	DET
esutjss-252	16	29	profound	profound	ADJ
esutjss-252	16	30	impact	impact	NOUN
esutjss-252	16	31	on	on	ADP
esutjss-252	16	32	key	key	ADJ
esutjss-252	16	33	financial	financial	ADJ
esutjss-252	16	34	metrics	metric	NOUN
esutjss-252	16	35	like	like	ADP
esutjss-252	16	36	profitability	profitability	NOUN
esutjss-252	16	37	,	,	PUNCT
esutjss-252	16	38	investment	investment	NOUN
esutjss-252	16	39	potential	potential	NOUN
esutjss-252	16	40	,	,	PUNCT
esutjss-252	16	41	and	and	CCONJ
esutjss-252	16	42	shareholder	shareholder	NOUN
esutjss-252	16	43	value	value	NOUN
esutjss-252	16	44	.	.	PUNCT
esutjss-252	17	1	gudisa	gudisa	NOUN
esutjss-252	17	2	(	(	PUNCT
esutjss-252	17	3	2021	2021	NUM
esutjss-252	17	4	)	)	PUNCT
esutjss-252	17	5	highlights	highlight	NOUN
esutjss-252	17	6	that	that	PRON
esutjss-252	17	7	,	,	PUNCT
esutjss-252	17	8	despite	despite	SCONJ
esutjss-252	17	9	the	the	DET
esutjss-252	17	10	significance	significance	NOUN
esutjss-252	17	11	of	of	ADP
esutjss-252	17	12	accurate	accurate	ADJ
esutjss-252	17	13	fire	fire	NOUN
esutjss-252	17	14	insurance	insurance	NOUN
esutjss-252	17	15	premium	premium	NOUN
esutjss-252	17	16	ratings	rating	NOUN
esutjss-252	17	17	,	,	PUNCT
esutjss-252	17	18	insurers	insurer	NOUN
esutjss-252	17	19	in	in	ADP
esutjss-252	17	20	nigeria	nigeria	PROPN
esutjss-252	17	21	face	face	VERB
esutjss-252	17	22	numerous	numerous	ADJ
esutjss-252	17	23	challenges	challenge	NOUN
esutjss-252	17	24	that	that	PRON
esutjss-252	17	25	undermine	undermine	VERB
esutjss-252	17	26	their	their	PRON
esutjss-252	17	27	performance	performance	NOUN
esutjss-252	17	28	.	.	PUNCT
esutjss-252	18	1	these	these	PRON
esutjss-252	18	2	include	include	VERB
esutjss-252	18	3	limited	limited	ADJ
esutjss-252	18	4	access	access	NOUN
esutjss-252	18	5	to	to	ADP
esutjss-252	18	6	reliable	reliable	ADJ
esutjss-252	18	7	data	datum	NOUN
esutjss-252	18	8	on	on	ADP
esutjss-252	18	9	historical	historical	ADJ
esutjss-252	18	10	losses	loss	NOUN
esutjss-252	18	11	,	,	PUNCT
esutjss-252	18	12	fraudulent	fraudulent	ADJ
esutjss-252	18	13	claims	claim	NOUN
esutjss-252	18	14	,	,	PUNCT
esutjss-252	18	15	and	and	CCONJ
esutjss-252	18	16	stringent	stringent	ADJ
esutjss-252	18	17	regulatory	regulatory	ADJ
esutjss-252	18	18	constraints	constraint	NOUN
esutjss-252	18	19	,	,	PUNCT
esutjss-252	18	20	all	all	PRON
esutjss-252	18	21	of	of	ADP
esutjss-252	18	22	which	which	PRON
esutjss-252	18	23	pose	pose	VERB
esutjss-252	18	24	significant	significant	ADJ
esutjss-252	18	25	barriers	barrier	NOUN
esutjss-252	18	26	to	to	ADP
esutjss-252	18	27	the	the	DET
esutjss-252	18	28	sector	sector	NOUN
esutjss-252	18	29	’s	’s	PART
esutjss-252	18	30	profitability	profitability	NOUN
esutjss-252	18	31	.	.	PUNCT
esutjss-252	19	1	these	these	DET
esutjss-252	19	2	challenges	challenge	NOUN
esutjss-252	19	3	contribute	contribute	VERB
esutjss-252	19	4	to	to	ADP
esutjss-252	19	5	information	information	NOUN
esutjss-252	19	6	asymmetry	asymmetry	NOUN
esutjss-252	19	7	in	in	ADP
esutjss-252	19	8	the	the	DET
esutjss-252	19	9	nigerian	nigerian	ADJ
esutjss-252	19	10	insurance	insurance	NOUN
esutjss-252	19	11	market	market	NOUN
esutjss-252	19	12	,	,	PUNCT
esutjss-252	19	13	weakening	weaken	VERB
esutjss-252	19	14	trust	trust	NOUN
esutjss-252	19	15	between	between	ADP
esutjss-252	19	16	insurers	insurer	NOUN
esutjss-252	19	17	and	and	CCONJ
esutjss-252	19	18	policyholders	policyholder	NOUN
esutjss-252	19	19	.	.	PUNCT
esutjss-252	20	1	singh	singh	PROPN
esutjss-252	20	2	and	and	CCONJ
esutjss-252	20	3	bathla	bathla	PROPN
esutjss-252	20	4	(	(	PUNCT
esutjss-252	20	5	2023	2023	NUM
esutjss-252	20	6	)	)	PUNCT
esutjss-252	20	7	emphasize	emphasize	VERB
esutjss-252	20	8	the	the	DET
esutjss-252	20	9	importance	importance	NOUN
esutjss-252	20	10	of	of	ADP
esutjss-252	20	11	understanding	understand	VERB
esutjss-252	20	12	risk	risk	NOUN
esutjss-252	20	13	perception	perception	NOUN
esutjss-252	20	14	when	when	SCONJ
esutjss-252	20	15	designing	design	VERB
esutjss-252	20	16	fire	fire	NOUN
esutjss-252	20	17	insurance	insurance	NOUN
esutjss-252	20	18	products	product	NOUN
esutjss-252	20	19	,	,	PUNCT
esutjss-252	20	20	stressing	stress	VERB
esutjss-252	20	21	that	that	SCONJ
esutjss-252	20	22	insurers	insurer	NOUN
esutjss-252	20	23	must	must	AUX
esutjss-252	20	24	align	align	VERB
esutjss-252	20	25	their	their	PRON
esutjss-252	20	26	offerings	offering	NOUN
esutjss-252	20	27	with	with	ADP
esutjss-252	20	28	the	the	DET
esutjss-252	20	29	risk	risk	NOUN
esutjss-252	20	30	profiles	profile	NOUN
esutjss-252	20	31	of	of	ADP
esutjss-252	20	32	their	their	PRON
esutjss-252	20	33	customers	customer	NOUN
esutjss-252	20	34	.	.	PUNCT
esutjss-252	21	1	moreover	moreover	ADV
esutjss-252	21	2	,	,	PUNCT
esutjss-252	21	3	economic	economic	ADJ
esutjss-252	21	4	fluctuations	fluctuation	NOUN
esutjss-252	21	5	,	,	PUNCT
esutjss-252	21	6	policy	policy	NOUN
esutjss-252	21	7	changes	change	NOUN
esutjss-252	21	8	,	,	PUNCT
esutjss-252	21	9	and	and	CCONJ
esutjss-252	21	10	socio	socio	NOUN
esutjss-252	21	11	-	-	PUNCT
esutjss-252	21	12	political	political	ADJ
esutjss-252	21	13	instability	instability	NOUN
esutjss-252	21	14	affect	affect	VERB
esutjss-252	21	15	the	the	DET
esutjss-252	21	16	demand	demand	NOUN
esutjss-252	21	17	for	for	ADP
esutjss-252	21	18	fire	fire	NOUN
esutjss-252	21	19	insurance	insurance	NOUN
esutjss-252	21	20	,	,	PUNCT
esutjss-252	21	21	directly	directly	ADV
esutjss-252	21	22	influencing	influence	VERB
esutjss-252	21	23	the	the	DET
esutjss-252	21	24	profitability	profitability	NOUN
esutjss-252	21	25	of	of	ADP
esutjss-252	21	26	insurers	insurer	NOUN
esutjss-252	21	27	.	.	PUNCT
esutjss-252	22	1	therefore	therefore	ADV
esutjss-252	22	2	,	,	PUNCT
esutjss-252	22	3	insurers	insurer	NOUN
esutjss-252	22	4	must	must	AUX
esutjss-252	22	5	adapt	adapt	VERB
esutjss-252	22	6	to	to	ADP
esutjss-252	22	7	these	these	DET
esutjss-252	22	8	market	market	NOUN
esutjss-252	22	9	dynamics	dynamic	NOUN
esutjss-252	22	10	to	to	PART
esutjss-252	22	11	remain	remain	VERB
esutjss-252	22	12	competitive	competitive	ADJ
esutjss-252	22	13	.	.	PUNCT
esutjss-252	23	1	mailto:oyerindemoses818@gmail.com	mailto:oyerindemoses818@gmail.com	X
esutjss-252	23	2	mailto:ksaduloju@gmail.com	mailto:ksaduloju@gmail.com	PROPN
esutjss-252	23	3	mailto:toyusuf@yahoo.co.uk	mailto:toyusuf@yahoo.co.uk	VERB
esutjss-252	23	4	217	217	NUM
esutjss-252	23	5	the	the	DET
esutjss-252	23	6	regulatory	regulatory	ADJ
esutjss-252	23	7	environment	environment	NOUN
esutjss-252	23	8	plays	play	VERB
esutjss-252	23	9	a	a	DET
esutjss-252	23	10	pivotal	pivotal	ADJ
esutjss-252	23	11	role	role	NOUN
esutjss-252	23	12	in	in	ADP
esutjss-252	23	13	shaping	shape	VERB
esutjss-252	23	14	the	the	DET
esutjss-252	23	15	operations	operation	NOUN
esutjss-252	23	16	of	of	ADP
esutjss-252	23	17	fire	fire	NOUN
esutjss-252	23	18	insurers	insurer	NOUN
esutjss-252	23	19	in	in	ADP
esutjss-252	23	20	nigeria	nigeria	PROPN
esutjss-252	23	21	.	.	PUNCT
esutjss-252	24	1	for	for	ADP
esutjss-252	24	2	instance	instance	NOUN
esutjss-252	24	3	,	,	PUNCT
esutjss-252	24	4	stringent	stringent	ADJ
esutjss-252	24	5	regulations	regulation	NOUN
esutjss-252	24	6	on	on	ADP
esutjss-252	24	7	solvency	solvency	NOUN
esutjss-252	24	8	margins	margin	NOUN
esutjss-252	24	9	,	,	PUNCT
esutjss-252	24	10	capital	capital	NOUN
esutjss-252	24	11	requirements	requirement	NOUN
esutjss-252	24	12	,	,	PUNCT
esutjss-252	24	13	and	and	CCONJ
esutjss-252	24	14	claims	claim	VERB
esutjss-252	24	15	settlement	settlement	NOUN
esutjss-252	24	16	procedures	procedure	NOUN
esutjss-252	24	17	are	be	AUX
esutjss-252	24	18	critical	critical	ADJ
esutjss-252	24	19	for	for	ADP
esutjss-252	24	20	maintaining	maintain	VERB
esutjss-252	24	21	stability	stability	NOUN
esutjss-252	24	22	in	in	ADP
esutjss-252	24	23	the	the	DET
esutjss-252	24	24	insurance	insurance	NOUN
esutjss-252	24	25	sector	sector	NOUN
esutjss-252	24	26	.	.	PUNCT
esutjss-252	25	1	compliance	compliance	NOUN
esutjss-252	25	2	with	with	ADP
esutjss-252	25	3	these	these	DET
esutjss-252	25	4	regulations	regulation	NOUN
esutjss-252	25	5	is	be	AUX
esutjss-252	25	6	essential	essential	ADJ
esutjss-252	25	7	for	for	ADP
esutjss-252	25	8	consumer	consumer	NOUN
esutjss-252	25	9	protection	protection	NOUN
esutjss-252	25	10	and	and	CCONJ
esutjss-252	25	11	for	for	ADP
esutjss-252	25	12	fostering	foster	VERB
esutjss-252	25	13	trust	trust	NOUN
esutjss-252	25	14	in	in	ADP
esutjss-252	25	15	the	the	DET
esutjss-252	25	16	industry	industry	NOUN
esutjss-252	25	17	.	.	PUNCT
esutjss-252	26	1	consequently	consequently	ADV
esutjss-252	26	2	,	,	PUNCT
esutjss-252	26	3	insurers	insurer	NOUN
esutjss-252	26	4	must	must	AUX
esutjss-252	26	5	enhance	enhance	VERB
esutjss-252	26	6	transparency	transparency	NOUN
esutjss-252	26	7	and	and	CCONJ
esutjss-252	26	8	improve	improve	VERB
esutjss-252	26	9	communication	communication	NOUN
esutjss-252	26	10	with	with	ADP
esutjss-252	26	11	policyholders	policyholder	NOUN
esutjss-252	26	12	to	to	PART
esutjss-252	26	13	maintain	maintain	VERB
esutjss-252	26	14	long	long	ADJ
esutjss-252	26	15	-	-	PUNCT
esutjss-252	26	16	term	term	NOUN
esutjss-252	26	17	sustainability	sustainability	NOUN
esutjss-252	26	18	.	.	PUNCT
esutjss-252	27	1	in	in	ADP
esutjss-252	27	2	the	the	DET
esutjss-252	27	3	current	current	ADJ
esutjss-252	27	4	competitive	competitive	ADJ
esutjss-252	27	5	insurance	insurance	NOUN
esutjss-252	27	6	market	market	NOUN
esutjss-252	27	7	,	,	PUNCT
esutjss-252	27	8	companies	company	NOUN
esutjss-252	27	9	must	must	AUX
esutjss-252	27	10	strike	strike	VERB
esutjss-252	27	11	a	a	DET
esutjss-252	27	12	delicate	delicate	ADJ
esutjss-252	27	13	balance	balance	NOUN
esutjss-252	27	14	between	between	ADP
esutjss-252	27	15	premium	premium	NOUN
esutjss-252	27	16	pricing	pricing	NOUN
esutjss-252	27	17	and	and	CCONJ
esutjss-252	27	18	risk	risk	NOUN
esutjss-252	27	19	management	management	NOUN
esutjss-252	27	20	.	.	PUNCT
esutjss-252	28	1	overpricing	overprice	VERB
esutjss-252	28	2	premiums	premium	NOUN
esutjss-252	28	3	can	can	AUX
esutjss-252	28	4	lead	lead	VERB
esutjss-252	28	5	to	to	ADP
esutjss-252	28	6	customer	customer	NOUN
esutjss-252	28	7	attrition	attrition	NOUN
esutjss-252	28	8	,	,	PUNCT
esutjss-252	28	9	while	while	SCONJ
esutjss-252	28	10	underpricing	underprice	VERB
esutjss-252	28	11	could	could	AUX
esutjss-252	28	12	result	result	VERB
esutjss-252	28	13	in	in	ADP
esutjss-252	28	14	insufficient	insufficient	ADJ
esutjss-252	28	15	funds	fund	NOUN
esutjss-252	28	16	to	to	PART
esutjss-252	28	17	cover	cover	VERB
esutjss-252	28	18	claims	claim	NOUN
esutjss-252	28	19	,	,	PUNCT
esutjss-252	28	20	negatively	negatively	ADV
esutjss-252	28	21	impacting	impact	VERB
esutjss-252	28	22	profitability	profitability	NOUN
esutjss-252	28	23	.	.	PUNCT
esutjss-252	29	1	bikker	bikker	PROPN
esutjss-252	29	2	and	and	CCONJ
esutjss-252	29	3	popescu	popescu	PROPN
esutjss-252	29	4	(	(	PUNCT
esutjss-252	29	5	2014	2014	NUM
esutjss-252	29	6	)	)	PUNCT
esutjss-252	29	7	found	find	VERB
esutjss-252	29	8	that	that	SCONJ
esutjss-252	29	9	the	the	DET
esutjss-252	29	10	ability	ability	NOUN
esutjss-252	29	11	to	to	PART
esutjss-252	29	12	optimize	optimize	VERB
esutjss-252	29	13	premiums	premium	NOUN
esutjss-252	29	14	has	have	VERB
esutjss-252	29	15	a	a	DET
esutjss-252	29	16	direct	direct	ADJ
esutjss-252	29	17	influence	influence	NOUN
esutjss-252	29	18	on	on	ADP
esutjss-252	29	19	insurers	insurer	NOUN
esutjss-252	29	20	'	'	PART
esutjss-252	29	21	underwriting	underwriting	NOUN
esutjss-252	29	22	profitability	profitability	NOUN
esutjss-252	29	23	and	and	CCONJ
esutjss-252	29	24	market	market	NOUN
esutjss-252	29	25	share	share	NOUN
esutjss-252	29	26	.	.	PUNCT
esutjss-252	30	1	premium	premium	NOUN
esutjss-252	30	2	rating	rating	NOUN
esutjss-252	30	3	also	also	ADV
esutjss-252	30	4	has	have	VERB
esutjss-252	30	5	a	a	DET
esutjss-252	30	6	significant	significant	ADJ
esutjss-252	30	7	impact	impact	NOUN
esutjss-252	30	8	on	on	ADP
esutjss-252	30	9	shareholder	shareholder	NOUN
esutjss-252	30	10	value	value	NOUN
esutjss-252	30	11	,	,	PUNCT
esutjss-252	30	12	which	which	PRON
esutjss-252	30	13	is	be	AUX
esutjss-252	30	14	particularly	particularly	ADV
esutjss-252	30	15	important	important	ADJ
esutjss-252	30	16	as	as	SCONJ
esutjss-252	30	17	shareholders	shareholder	NOUN
esutjss-252	30	18	continuously	continuously	ADV
esutjss-252	30	19	assess	assess	VERB
esutjss-252	30	20	a	a	DET
esutjss-252	30	21	company	company	NOUN
esutjss-252	30	22	's	's	PART
esutjss-252	30	23	financial	financial	ADJ
esutjss-252	30	24	health	health	NOUN
esutjss-252	30	25	.	.	PUNCT
esutjss-252	31	1	premium	premium	NOUN
esutjss-252	31	2	rating	rating	NOUN
esutjss-252	31	3	directly	directly	ADV
esutjss-252	31	4	affects	affect	VERB
esutjss-252	31	5	profit	profit	NOUN
esutjss-252	31	6	margins	margin	NOUN
esutjss-252	31	7	,	,	PUNCT
esutjss-252	31	8	and	and	CCONJ
esutjss-252	31	9	sustained	sustained	ADJ
esutjss-252	31	10	profitability	profitability	NOUN
esutjss-252	31	11	leads	lead	VERB
esutjss-252	31	12	to	to	ADP
esutjss-252	31	13	higher	high	ADJ
esutjss-252	31	14	dividend	dividend	NOUN
esutjss-252	31	15	payouts	payout	NOUN
esutjss-252	31	16	and	and	CCONJ
esutjss-252	31	17	an	an	DET
esutjss-252	31	18	increase	increase	NOUN
esutjss-252	31	19	in	in	ADP
esutjss-252	31	20	stock	stock	NOUN
esutjss-252	31	21	value	value	NOUN
esutjss-252	31	22	,	,	PUNCT
esutjss-252	31	23	ultimately	ultimately	ADV
esutjss-252	31	24	benefiting	benefit	VERB
esutjss-252	31	25	shareholders	shareholder	NOUN
esutjss-252	31	26	upreti	upreti	NOUN
esutjss-252	31	27	,	,	PUNCT
esutjss-252	31	28	v.	v.	PROPN
esutjss-252	31	29	,	,	PUNCT
esutjss-252	31	30	adams	adams	PROPN
esutjss-252	31	31	,	,	PUNCT
esutjss-252	31	32	m.	m.	NOUN
esutjss-252	31	33	,	,	PUNCT
esutjss-252	31	34	&	&	CCONJ
esutjss-252	31	35	jia	jia	PROPN
esutjss-252	31	36	,	,	PUNCT
esutjss-252	31	37	2022	2022	NUM
esutjss-252	31	38	)	)	PUNCT
esutjss-252	31	39	;	;	PUNCT
esutjss-252	31	40	cummins	cummin	NOUN
esutjss-252	31	41	and	and	CCONJ
esutjss-252	31	42	phillips	phillip	NOUN
esutjss-252	31	43	(	(	PUNCT
esutjss-252	31	44	2005	2005	NUM
esutjss-252	31	45	)	)	PUNCT
esutjss-252	31	46	.	.	PUNCT
esutjss-252	32	1	in	in	ADP
esutjss-252	32	2	addition	addition	NOUN
esutjss-252	32	3	,	,	PUNCT
esutjss-252	32	4	premium	premium	NOUN
esutjss-252	32	5	rating	rating	NOUN
esutjss-252	32	6	plays	play	VERB
esutjss-252	32	7	a	a	DET
esutjss-252	32	8	crucial	crucial	ADJ
esutjss-252	32	9	role	role	NOUN
esutjss-252	32	10	in	in	ADP
esutjss-252	32	11	determining	determine	VERB
esutjss-252	32	12	a	a	DET
esutjss-252	32	13	company	company	NOUN
esutjss-252	32	14	’s	’s	PART
esutjss-252	32	15	investment	investment	NOUN
esutjss-252	32	16	capacity	capacity	NOUN
esutjss-252	32	17	.	.	PUNCT
esutjss-252	33	1	insurance	insurance	NOUN
esutjss-252	33	2	firms	firm	NOUN
esutjss-252	33	3	generate	generate	VERB
esutjss-252	33	4	substantial	substantial	ADJ
esutjss-252	33	5	income	income	NOUN
esutjss-252	33	6	through	through	ADP
esutjss-252	33	7	investments	investment	NOUN
esutjss-252	33	8	funded	fund	VERB
esutjss-252	33	9	by	by	ADP
esutjss-252	33	10	their	their	PRON
esutjss-252	33	11	premium	premium	ADJ
esutjss-252	33	12	reserves	reserve	NOUN
esutjss-252	33	13	.	.	PUNCT
esutjss-252	34	1	a	a	DET
esutjss-252	34	2	well	well	ADV
esutjss-252	34	3	-	-	PUNCT
esutjss-252	34	4	structured	structure	VERB
esutjss-252	34	5	premium	premium	NOUN
esutjss-252	34	6	rating	rating	NOUN
esutjss-252	34	7	strategy	strategy	NOUN
esutjss-252	34	8	ensures	ensure	VERB
esutjss-252	34	9	that	that	SCONJ
esutjss-252	34	10	sufficient	sufficient	ADJ
esutjss-252	34	11	capital	capital	NOUN
esutjss-252	34	12	reserves	reserve	NOUN
esutjss-252	34	13	are	be	AUX
esutjss-252	34	14	available	available	ADJ
esutjss-252	34	15	for	for	ADP
esutjss-252	34	16	investment	investment	NOUN
esutjss-252	34	17	,	,	PUNCT
esutjss-252	34	18	contributing	contribute	VERB
esutjss-252	34	19	to	to	ADP
esutjss-252	34	20	long	long	ADJ
esutjss-252	34	21	-	-	PUNCT
esutjss-252	34	22	term	term	NOUN
esutjss-252	34	23	financial	financial	ADJ
esutjss-252	34	24	growth	growth	NOUN
esutjss-252	34	25	and	and	CCONJ
esutjss-252	34	26	stability	stability	NOUN
esutjss-252	34	27	akinradewoet	akinradewoet	VERB
esutjss-252	34	28	,	,	PUNCT
esutjss-252	34	29	al;(2022	al;(2022	PROPN
esutjss-252	34	30	)	)	PUNCT
esutjss-252	34	31	.	.	PUNCT
esutjss-252	35	1	therefore	therefore	ADV
esutjss-252	35	2	,	,	PUNCT
esutjss-252	35	3	a	a	DET
esutjss-252	35	4	thoughtful	thoughtful	ADJ
esutjss-252	35	5	approach	approach	NOUN
esutjss-252	35	6	to	to	ADP
esutjss-252	35	7	premium	premium	NOUN
esutjss-252	35	8	rating	rating	NOUN
esutjss-252	35	9	is	be	AUX
esutjss-252	35	10	vital	vital	ADJ
esutjss-252	35	11	for	for	ADP
esutjss-252	35	12	maintaining	maintain	VERB
esutjss-252	35	13	investment	investment	NOUN
esutjss-252	35	14	liquidity	liquidity	NOUN
esutjss-252	35	15	while	while	SCONJ
esutjss-252	35	16	safeguarding	safeguard	VERB
esutjss-252	35	17	both	both	CCONJ
esutjss-252	35	18	profitability	profitability	NOUN
esutjss-252	35	19	and	and	CCONJ
esutjss-252	35	20	shareholder	shareholder	NOUN
esutjss-252	35	21	returns	return	NOUN
esutjss-252	35	22	.	.	PUNCT
esutjss-252	36	1	technological	technological	ADJ
esutjss-252	36	2	advancements	advancement	NOUN
esutjss-252	36	3	have	have	AUX
esutjss-252	36	4	also	also	ADV
esutjss-252	36	5	begun	begin	VERB
esutjss-252	36	6	to	to	PART
esutjss-252	36	7	transform	transform	VERB
esutjss-252	36	8	fire	fire	NOUN
esutjss-252	36	9	insurance	insurance	NOUN
esutjss-252	36	10	operations	operation	NOUN
esutjss-252	36	11	in	in	ADP
esutjss-252	36	12	nigeria	nigeria	PROPN
esutjss-252	36	13	.	.	PUNCT
esutjss-252	37	1	the	the	DET
esutjss-252	37	2	adoption	adoption	NOUN
esutjss-252	37	3	of	of	ADP
esutjss-252	37	4	digital	digital	ADJ
esutjss-252	37	5	platforms	platform	NOUN
esutjss-252	37	6	for	for	ADP
esutjss-252	37	7	risk	risk	NOUN
esutjss-252	37	8	assessment	assessment	NOUN
esutjss-252	37	9	,	,	PUNCT
esutjss-252	37	10	underwriting	underwriting	NOUN
esutjss-252	37	11	,	,	PUNCT
esutjss-252	37	12	and	and	CCONJ
esutjss-252	37	13	claims	claim	NOUN
esutjss-252	37	14	processing	processing	NOUN
esutjss-252	37	15	has	have	VERB
esutjss-252	37	16	not	not	PART
esutjss-252	37	17	only	only	ADV
esutjss-252	37	18	improved	improve	VERB
esutjss-252	37	19	efficiency	efficiency	NOUN
esutjss-252	37	20	but	but	CCONJ
esutjss-252	37	21	has	have	AUX
esutjss-252	37	22	also	also	ADV
esutjss-252	37	23	reduced	reduce	VERB
esutjss-252	37	24	operational	operational	ADJ
esutjss-252	37	25	costs	cost	NOUN
esutjss-252	37	26	for	for	ADP
esutjss-252	37	27	insurers	insurer	NOUN
esutjss-252	37	28	.	.	PUNCT
esutjss-252	38	1	these	these	DET
esutjss-252	38	2	innovations	innovation	NOUN
esutjss-252	38	3	are	be	AUX
esutjss-252	38	4	essential	essential	ADJ
esutjss-252	38	5	for	for	SCONJ
esutjss-252	38	6	insurers	insurer	NOUN
esutjss-252	38	7	to	to	PART
esutjss-252	38	8	remain	remain	VERB
esutjss-252	38	9	competitive	competitive	ADJ
esutjss-252	38	10	in	in	ADP
esutjss-252	38	11	an	an	DET
esutjss-252	38	12	everevolving	everevolve	VERB
esutjss-252	38	13	market	market	NOUN
esutjss-252	38	14	hassanain	hassanain	NOUN
esutjss-252	38	15	,	,	PUNCT
esutjss-252	38	16	al	al	PROPN
esutjss-252	38	17	-	-	PUNCT
esutjss-252	38	18	harogi	harogi	PROPN
esutjss-252	38	19	and	and	CCONJ
esutjss-252	38	20	ibrahim	ibrahim	PROPN
esutjss-252	38	21	(	(	PUNCT
esutjss-252	38	22	2022	2022	NUM
esutjss-252	38	23	)	)	PUNCT
esutjss-252	38	24	.	.	PUNCT
esutjss-252	39	1	examining	examine	VERB
esutjss-252	39	2	fire	fire	NOUN
esutjss-252	39	3	insurance	insurance	NOUN
esutjss-252	39	4	rating	rating	NOUN
esutjss-252	39	5	mechanisms	mechanism	NOUN
esutjss-252	39	6	and	and	CCONJ
esutjss-252	39	7	insurer	insurer	NOUN
esutjss-252	39	8	performance	performance	NOUN
esutjss-252	39	9	in	in	ADP
esutjss-252	39	10	nigeria	nigeria	PROPN
esutjss-252	39	11	before	before	ADP
esutjss-252	39	12	the	the	DET
esutjss-252	39	13	covid-19	covid-19	PROPN
esutjss-252	39	14	pandemic	pandemic	NOUN
esutjss-252	39	15	reveals	reveal	VERB
esutjss-252	39	16	the	the	DET
esutjss-252	39	17	complex	complex	ADJ
esutjss-252	39	18	interactions	interaction	NOUN
esutjss-252	39	19	between	between	ADP
esutjss-252	39	20	risk	risk	NOUN
esutjss-252	39	21	assessment	assessment	NOUN
esutjss-252	39	22	,	,	PUNCT
esutjss-252	39	23	market	market	NOUN
esutjss-252	39	24	dynamics	dynamic	NOUN
esutjss-252	39	25	,	,	PUNCT
esutjss-252	39	26	regulatory	regulatory	ADJ
esutjss-252	39	27	compliance	compliance	NOUN
esutjss-252	39	28	,	,	PUNCT
esutjss-252	39	29	and	and	CCONJ
esutjss-252	39	30	technological	technological	ADJ
esutjss-252	39	31	innovation	innovation	NOUN
esutjss-252	39	32	.	.	PUNCT
esutjss-252	40	1	by	by	ADP
esutjss-252	40	2	addressing	address	VERB
esutjss-252	40	3	issues	issue	NOUN
esutjss-252	40	4	like	like	ADP
esutjss-252	40	5	inadequate	inadequate	ADJ
esutjss-252	40	6	data	datum	NOUN
esutjss-252	40	7	and	and	CCONJ
esutjss-252	40	8	regulatory	regulatory	ADJ
esutjss-252	40	9	constraints	constraint	NOUN
esutjss-252	40	10	while	while	SCONJ
esutjss-252	40	11	leveraging	leverage	VERB
esutjss-252	40	12	technological	technological	ADJ
esutjss-252	40	13	advancements	advancement	NOUN
esutjss-252	40	14	,	,	PUNCT
esutjss-252	40	15	nigerian	nigerian	ADJ
esutjss-252	40	16	insurers	insurer	NOUN
esutjss-252	40	17	can	can	AUX
esutjss-252	40	18	improve	improve	VERB
esutjss-252	40	19	performance	performance	NOUN
esutjss-252	40	20	and	and	CCONJ
esutjss-252	40	21	ensure	ensure	VERB
esutjss-252	40	22	sustainable	sustainable	ADJ
esutjss-252	40	23	growth	growth	NOUN
esutjss-252	40	24	.	.	PUNCT
esutjss-252	41	1	this	this	DET
esutjss-252	41	2	study	study	NOUN
esutjss-252	41	3	will	will	AUX
esutjss-252	41	4	explore	explore	VERB
esutjss-252	41	5	the	the	DET
esutjss-252	41	6	intricate	intricate	ADJ
esutjss-252	41	7	relationship	relationship	NOUN
esutjss-252	41	8	between	between	ADP
esutjss-252	41	9	premium	premium	NOUN
esutjss-252	41	10	rating	rating	NOUN
esutjss-252	41	11	and	and	CCONJ
esutjss-252	41	12	key	key	ADJ
esutjss-252	41	13	performance	performance	NOUN
esutjss-252	41	14	indicators	indicator	NOUN
esutjss-252	41	15	such	such	ADJ
esutjss-252	41	16	as	as	ADP
esutjss-252	41	17	profitability	profitability	NOUN
esutjss-252	41	18	,	,	PUNCT
esutjss-252	41	19	investment	investment	NOUN
esutjss-252	41	20	potential	potential	NOUN
esutjss-252	41	21	,	,	PUNCT
esutjss-252	41	22	and	and	CCONJ
esutjss-252	41	23	shareholder	shareholder	NOUN
esutjss-252	41	24	value	value	NOUN
esutjss-252	41	25	in	in	ADP
esutjss-252	41	26	the	the	DET
esutjss-252	41	27	insurance	insurance	NOUN
esutjss-252	41	28	industry	industry	NOUN
esutjss-252	41	29	,	,	PUNCT
esutjss-252	41	30	using	use	VERB
esutjss-252	41	31	empirical	empirical	ADJ
esutjss-252	41	32	data	datum	NOUN
esutjss-252	41	33	and	and	CCONJ
esutjss-252	41	34	case	case	NOUN
esutjss-252	41	35	studies	study	NOUN
esutjss-252	41	36	to	to	PART
esutjss-252	41	37	illustrate	illustrate	VERB
esutjss-252	41	38	these	these	DET
esutjss-252	41	39	dynamics	dynamic	NOUN
esutjss-252	41	40	.	.	PUNCT
esutjss-252	42	1	review	review	NOUN
esutjss-252	42	2	of	of	ADP
esutjss-252	42	3	literature	literature	NOUN
esutjss-252	42	4	an	an	DET
esutjss-252	42	5	overview	overview	NOUN
esutjss-252	42	6	of	of	ADP
esutjss-252	42	7	nigerian	nigerian	ADJ
esutjss-252	42	8	insurance	insurance	NOUN
esutjss-252	42	9	firms	firm	NOUN
esutjss-252	42	10	in	in	ADP
esutjss-252	42	11	the	the	DET
esutjss-252	42	12	pre	pre	ADJ
esutjss-252	42	13	-	-	ADJ
esutjss-252	42	14	covid	covid	ADJ
esutjss-252	42	15	era	era	NOUN
esutjss-252	42	16	the	the	DET
esutjss-252	42	17	insurance	insurance	NOUN
esutjss-252	42	18	industry	industry	NOUN
esutjss-252	42	19	in	in	ADP
esutjss-252	42	20	nigeria	nigeria	PROPN
esutjss-252	42	21	,	,	PUNCT
esutjss-252	42	22	prior	prior	ADV
esutjss-252	42	23	to	to	ADP
esutjss-252	42	24	the	the	DET
esutjss-252	42	25	covid-19	covid-19	PROPN
esutjss-252	42	26	pandemic	pandemic	NOUN
esutjss-252	42	27	,	,	PUNCT
esutjss-252	42	28	experienced	experience	VERB
esutjss-252	42	29	steady	steady	ADJ
esutjss-252	42	30	growth	growth	NOUN
esutjss-252	42	31	,	,	PUNCT
esutjss-252	42	32	despite	despite	SCONJ
esutjss-252	42	33	a	a	DET
esutjss-252	42	34	variety	variety	NOUN
esutjss-252	42	35	of	of	ADP
esutjss-252	42	36	structural	structural	ADJ
esutjss-252	42	37	challenges	challenge	NOUN
esutjss-252	42	38	and	and	CCONJ
esutjss-252	42	39	market	market	NOUN
esutjss-252	42	40	volatility	volatility	NOUN
esutjss-252	42	41	.	.	PUNCT
esutjss-252	43	1	nigerian	nigerian	ADJ
esutjss-252	43	2	insurers	insurer	NOUN
esutjss-252	43	3	faced	face	VERB
esutjss-252	43	4	a	a	DET
esutjss-252	43	5	range	range	NOUN
esutjss-252	43	6	of	of	ADP
esutjss-252	43	7	operational	operational	ADJ
esutjss-252	43	8	hurdles	hurdle	NOUN
esutjss-252	43	9	,	,	PUNCT
esutjss-252	43	10	including	include	VERB
esutjss-252	43	11	regulatory	regulatory	ADJ
esutjss-252	43	12	constraints	constraint	NOUN
esutjss-252	43	13	,	,	PUNCT
esutjss-252	43	14	inadequate	inadequate	ADJ
esutjss-252	43	15	infrastructure	infrastructure	NOUN
esutjss-252	43	16	,	,	PUNCT
esutjss-252	43	17	and	and	CCONJ
esutjss-252	43	18	low	low	ADJ
esutjss-252	43	19	insurance	insurance	NOUN
esutjss-252	43	20	penetration	penetration	NOUN
esutjss-252	43	21	rates	rate	NOUN
esutjss-252	43	22	.	.	PUNCT
esutjss-252	44	1	nevertheless	nevertheless	ADV
esutjss-252	44	2	,	,	PUNCT
esutjss-252	44	3	insurers	insurer	NOUN
esutjss-252	44	4	made	make	VERB
esutjss-252	44	5	significant	significant	ADJ
esutjss-252	44	6	strides	stride	NOUN
esutjss-252	44	7	in	in	ADP
esutjss-252	44	8	improving	improve	VERB
esutjss-252	44	9	their	their	PRON
esutjss-252	44	10	service	service	NOUN
esutjss-252	44	11	delivery	delivery	NOUN
esutjss-252	44	12	and	and	CCONJ
esutjss-252	44	13	adopting	adopt	VERB
esutjss-252	44	14	technological	technological	ADJ
esutjss-252	44	15	innovations	innovation	NOUN
esutjss-252	44	16	to	to	PART
esutjss-252	44	17	boost	boost	VERB
esutjss-252	44	18	efficiency	efficiency	NOUN
esutjss-252	44	19	and	and	CCONJ
esutjss-252	44	20	reach	reach	VERB
esutjss-252	44	21	more	more	ADJ
esutjss-252	44	22	customers	customer	NOUN
esutjss-252	44	23	.	.	PUNCT
esutjss-252	45	1	218	218	NUM
esutjss-252	45	2	one	one	NUM
esutjss-252	45	3	of	of	ADP
esutjss-252	45	4	the	the	DET
esutjss-252	45	5	key	key	ADJ
esutjss-252	45	6	challenges	challenge	NOUN
esutjss-252	45	7	for	for	ADP
esutjss-252	45	8	nigerian	nigerian	ADJ
esutjss-252	45	9	insurance	insurance	NOUN
esutjss-252	45	10	firms	firm	NOUN
esutjss-252	45	11	during	during	ADP
esutjss-252	45	12	the	the	DET
esutjss-252	45	13	pre	pre	ADJ
esutjss-252	45	14	-	-	ADJ
esutjss-252	45	15	covid	covid	ADJ
esutjss-252	45	16	era	era	NOUN
esutjss-252	45	17	was	be	AUX
esutjss-252	45	18	the	the	DET
esutjss-252	45	19	low	low	ADJ
esutjss-252	45	20	level	level	NOUN
esutjss-252	45	21	of	of	ADP
esutjss-252	45	22	insurance	insurance	NOUN
esutjss-252	45	23	penetration	penetration	NOUN
esutjss-252	45	24	.	.	PUNCT
esutjss-252	46	1	despite	despite	SCONJ
esutjss-252	46	2	being	be	AUX
esutjss-252	46	3	the	the	DET
esutjss-252	46	4	largest	large	ADJ
esutjss-252	46	5	economy	economy	NOUN
esutjss-252	46	6	in	in	ADP
esutjss-252	46	7	africa	africa	PROPN
esutjss-252	46	8	,	,	PUNCT
esutjss-252	46	9	nigeria	nigeria	PROPN
esutjss-252	46	10	's	's	PART
esutjss-252	46	11	insurance	insurance	NOUN
esutjss-252	46	12	penetration	penetration	NOUN
esutjss-252	46	13	rate	rate	NOUN
esutjss-252	46	14	remained	remain	VERB
esutjss-252	46	15	below	below	ADP
esutjss-252	46	16	1	1	NUM
esutjss-252	46	17	%	%	NOUN
esutjss-252	46	18	,	,	PUNCT
esutjss-252	46	19	largely	largely	ADV
esutjss-252	46	20	due	due	ADJ
esutjss-252	46	21	to	to	ADP
esutjss-252	46	22	poor	poor	ADJ
esutjss-252	46	23	awareness	awareness	NOUN
esutjss-252	46	24	,	,	PUNCT
esutjss-252	46	25	low	low	ADJ
esutjss-252	46	26	disposable	disposable	ADJ
esutjss-252	46	27	incomes	income	NOUN
esutjss-252	46	28	,	,	PUNCT
esutjss-252	46	29	and	and	CCONJ
esutjss-252	46	30	distrust	distrust	NOUN
esutjss-252	46	31	of	of	ADP
esutjss-252	46	32	insurance	insurance	NOUN
esutjss-252	46	33	products	product	NOUN
esutjss-252	46	34	(	(	PUNCT
esutjss-252	46	35	ogbeide	ogbeide	ADJ
esutjss-252	46	36	,	,	PUNCT
esutjss-252	46	37	et	et	NOUN
esutjss-252	46	38	,	,	PUNCT
esutjss-252	46	39	at	at	ADP
esutjss-252	46	40	;	;	PUNCT
esutjss-252	46	41	2022	2022	NUM
esutjss-252	46	42	;	;	PUNCT
esutjss-252	46	43	oke	oke	NOUN
esutjss-252	46	44	,	,	PUNCT
esutjss-252	46	45	2012	2012	NUM
esutjss-252	46	46	)	)	PUNCT
esutjss-252	46	47	.	.	PUNCT
esutjss-252	47	1	many	many	ADJ
esutjss-252	47	2	nigerians	nigerians	PROPN
esutjss-252	47	3	viewed	view	VERB
esutjss-252	47	4	insurance	insurance	NOUN
esutjss-252	47	5	as	as	ADP
esutjss-252	47	6	an	an	DET
esutjss-252	47	7	unnecessary	unnecessary	ADJ
esutjss-252	47	8	luxury	luxury	NOUN
esutjss-252	47	9	rather	rather	ADV
esutjss-252	47	10	than	than	ADP
esutjss-252	47	11	a	a	DET
esutjss-252	47	12	critical	critical	ADJ
esutjss-252	47	13	financial	financial	ADJ
esutjss-252	47	14	safety	safety	NOUN
esutjss-252	47	15	net	net	NOUN
esutjss-252	47	16	.	.	PUNCT
esutjss-252	48	1	this	this	DET
esutjss-252	48	2	perception	perception	NOUN
esutjss-252	48	3	,	,	PUNCT
esutjss-252	48	4	coupled	couple	VERB
esutjss-252	48	5	with	with	ADP
esutjss-252	48	6	a	a	DET
esutjss-252	48	7	weak	weak	ADJ
esutjss-252	48	8	regulatory	regulatory	ADJ
esutjss-252	48	9	framework	framework	NOUN
esutjss-252	48	10	,	,	PUNCT
esutjss-252	48	11	limited	limit	VERB
esutjss-252	48	12	the	the	DET
esutjss-252	48	13	industry	industry	NOUN
esutjss-252	48	14	's	's	PART
esutjss-252	48	15	ability	ability	NOUN
esutjss-252	48	16	to	to	PART
esutjss-252	48	17	expand	expand	VERB
esutjss-252	48	18	its	its	PRON
esutjss-252	48	19	customer	customer	NOUN
esutjss-252	48	20	base	base	NOUN
esutjss-252	48	21	and	and	CCONJ
esutjss-252	48	22	generate	generate	VERB
esutjss-252	48	23	premium	premium	ADJ
esutjss-252	48	24	income	income	NOUN
esutjss-252	48	25	.	.	PUNCT
esutjss-252	49	1	moreover	moreover	ADV
esutjss-252	49	2	,	,	PUNCT
esutjss-252	49	3	the	the	DET
esutjss-252	49	4	regulatory	regulatory	ADJ
esutjss-252	49	5	landscape	landscape	NOUN
esutjss-252	49	6	significantly	significantly	ADV
esutjss-252	49	7	influenced	influence	VERB
esutjss-252	49	8	the	the	DET
esutjss-252	49	9	operations	operation	NOUN
esutjss-252	49	10	of	of	ADP
esutjss-252	49	11	nigerian	nigerian	ADJ
esutjss-252	49	12	insurers	insurer	NOUN
esutjss-252	49	13	before	before	ADP
esutjss-252	49	14	the	the	DET
esutjss-252	49	15	pandemic	pandemic	NOUN
esutjss-252	49	16	.	.	PUNCT
esutjss-252	50	1	the	the	DET
esutjss-252	50	2	national	national	PROPN
esutjss-252	50	3	insurance	insurance	PROPN
esutjss-252	50	4	commission	commission	PROPN
esutjss-252	50	5	(	(	PUNCT
esutjss-252	50	6	naicom	naicom	X
esutjss-252	50	7	)	)	PUNCT
esutjss-252	50	8	played	play	VERB
esutjss-252	50	9	a	a	DET
esutjss-252	50	10	central	central	ADJ
esutjss-252	50	11	role	role	NOUN
esutjss-252	50	12	in	in	ADP
esutjss-252	50	13	shaping	shape	VERB
esutjss-252	50	14	the	the	DET
esutjss-252	50	15	industry	industry	NOUN
esutjss-252	50	16	’s	’s	PART
esutjss-252	50	17	development	development	NOUN
esutjss-252	50	18	.	.	PUNCT
esutjss-252	51	1	in	in	ADP
esutjss-252	51	2	particular	particular	ADJ
esutjss-252	51	3	,	,	PUNCT
esutjss-252	51	4	naicom	naicom	PROPN
esutjss-252	51	5	introduced	introduce	VERB
esutjss-252	51	6	stricter	strict	ADJ
esutjss-252	51	7	capital	capital	NOUN
esutjss-252	51	8	requirements	requirement	NOUN
esutjss-252	51	9	in	in	ADP
esutjss-252	51	10	a	a	DET
esutjss-252	51	11	bid	bid	NOUN
esutjss-252	51	12	to	to	PART
esutjss-252	51	13	consolidate	consolidate	VERB
esutjss-252	51	14	the	the	DET
esutjss-252	51	15	industry	industry	NOUN
esutjss-252	51	16	and	and	CCONJ
esutjss-252	51	17	enhance	enhance	VERB
esutjss-252	51	18	the	the	DET
esutjss-252	51	19	financial	financial	ADJ
esutjss-252	51	20	stability	stability	NOUN
esutjss-252	51	21	of	of	ADP
esutjss-252	51	22	insurance	insurance	NOUN
esutjss-252	51	23	firms	firm	NOUN
esutjss-252	51	24	.	.	PUNCT
esutjss-252	52	1	the	the	DET
esutjss-252	52	2	increased	increase	VERB
esutjss-252	52	3	capital	capital	NOUN
esutjss-252	52	4	requirements	requirement	NOUN
esutjss-252	52	5	,	,	PUNCT
esutjss-252	52	6	though	though	SCONJ
esutjss-252	52	7	essential	essential	ADJ
esutjss-252	52	8	for	for	ADP
esutjss-252	52	9	reducing	reduce	VERB
esutjss-252	52	10	the	the	DET
esutjss-252	52	11	risk	risk	NOUN
esutjss-252	52	12	of	of	ADP
esutjss-252	52	13	insolvency	insolvency	NOUN
esutjss-252	52	14	,	,	PUNCT
esutjss-252	52	15	also	also	ADV
esutjss-252	52	16	led	lead	VERB
esutjss-252	52	17	to	to	ADP
esutjss-252	52	18	the	the	DET
esutjss-252	52	19	exit	exit	NOUN
esutjss-252	52	20	of	of	ADP
esutjss-252	52	21	several	several	ADJ
esutjss-252	52	22	smaller	small	ADJ
esutjss-252	52	23	players	player	NOUN
esutjss-252	52	24	from	from	ADP
esutjss-252	52	25	the	the	DET
esutjss-252	52	26	market	market	NOUN
esutjss-252	52	27	who	who	PRON
esutjss-252	52	28	could	could	AUX
esutjss-252	52	29	not	not	PART
esutjss-252	52	30	meet	meet	VERB
esutjss-252	52	31	the	the	DET
esutjss-252	52	32	new	new	ADJ
esutjss-252	52	33	thresholds	threshold	NOUN
esutjss-252	52	34	adegoke	adegoke	VERB
esutjss-252	52	35	,	,	PUNCT
esutjss-252	52	36	2020	2020	NUM
esutjss-252	52	37	;	;	PUNCT
esutjss-252	53	1	akotey	akotey	ADV
esutjss-252	53	2	,	,	PUNCT
esutjss-252	53	3	osei	osei	PROPN
esutjss-252	53	4	,	,	PUNCT
esutjss-252	53	5	and	and	CCONJ
esutjss-252	53	6	gemegah	gemegah	PROPN
esutjss-252	53	7	(	(	PUNCT
esutjss-252	53	8	2013	2013	NUM
esutjss-252	53	9	)	)	PUNCT
esutjss-252	53	10	.	.	PUNCT
esutjss-252	54	1	larger	large	ADJ
esutjss-252	54	2	,	,	PUNCT
esutjss-252	54	3	more	more	ADV
esutjss-252	54	4	established	establish	VERB
esutjss-252	54	5	firms	firm	NOUN
esutjss-252	54	6	were	be	AUX
esutjss-252	54	7	better	well	ADV
esutjss-252	54	8	positioned	position	VERB
esutjss-252	54	9	to	to	PART
esutjss-252	54	10	weather	weather	VERB
esutjss-252	54	11	the	the	DET
esutjss-252	54	12	regulatory	regulatory	ADJ
esutjss-252	54	13	storm	storm	NOUN
esutjss-252	54	14	,	,	PUNCT
esutjss-252	54	15	but	but	CCONJ
esutjss-252	54	16	the	the	DET
esutjss-252	54	17	consolidation	consolidation	NOUN
esutjss-252	54	18	also	also	ADV
esutjss-252	54	19	reduced	reduce	VERB
esutjss-252	54	20	competition	competition	NOUN
esutjss-252	54	21	in	in	ADP
esutjss-252	54	22	the	the	DET
esutjss-252	54	23	market	market	NOUN
esutjss-252	54	24	,	,	PUNCT
esutjss-252	54	25	affecting	affect	VERB
esutjss-252	54	26	pricing	pricing	NOUN
esutjss-252	54	27	and	and	CCONJ
esutjss-252	54	28	innovation	innovation	NOUN
esutjss-252	54	29	.	.	PUNCT
esutjss-252	55	1	technological	technological	ADJ
esutjss-252	55	2	advancements	advancement	NOUN
esutjss-252	55	3	also	also	ADV
esutjss-252	55	4	played	play	VERB
esutjss-252	55	5	an	an	DET
esutjss-252	55	6	important	important	ADJ
esutjss-252	55	7	role	role	NOUN
esutjss-252	55	8	in	in	ADP
esutjss-252	55	9	shaping	shape	VERB
esutjss-252	55	10	the	the	DET
esutjss-252	55	11	operations	operation	NOUN
esutjss-252	55	12	of	of	ADP
esutjss-252	55	13	nigerian	nigerian	ADJ
esutjss-252	55	14	insurance	insurance	NOUN
esutjss-252	55	15	firms	firm	NOUN
esutjss-252	55	16	before	before	ADP
esutjss-252	55	17	the	the	DET
esutjss-252	55	18	covid-19	covid-19	PROPN
esutjss-252	55	19	pandemic	pandemic	NOUN
esutjss-252	55	20	.	.	PUNCT
esutjss-252	56	1	firms	firm	NOUN
esutjss-252	56	2	began	begin	VERB
esutjss-252	56	3	embracing	embrace	VERB
esutjss-252	56	4	digital	digital	ADJ
esutjss-252	56	5	platforms	platform	NOUN
esutjss-252	56	6	to	to	PART
esutjss-252	56	7	streamline	streamline	VERB
esutjss-252	56	8	processes	process	NOUN
esutjss-252	56	9	such	such	ADJ
esutjss-252	56	10	as	as	ADP
esutjss-252	56	11	underwriting	underwriting	NOUN
esutjss-252	56	12	,	,	PUNCT
esutjss-252	56	13	premium	premium	NOUN
esutjss-252	56	14	collection	collection	NOUN
esutjss-252	56	15	,	,	PUNCT
esutjss-252	56	16	and	and	CCONJ
esutjss-252	56	17	claims	claim	VERB
esutjss-252	56	18	management	management	NOUN
esutjss-252	56	19	.	.	PUNCT
esutjss-252	57	1	the	the	DET
esutjss-252	57	2	adoption	adoption	NOUN
esutjss-252	57	3	of	of	ADP
esutjss-252	57	4	mobile	mobile	ADJ
esutjss-252	57	5	insurance	insurance	NOUN
esutjss-252	57	6	platforms	platform	NOUN
esutjss-252	57	7	,	,	PUNCT
esutjss-252	57	8	for	for	ADP
esutjss-252	57	9	example	example	NOUN
esutjss-252	57	10	,	,	PUNCT
esutjss-252	57	11	allowed	allow	VERB
esutjss-252	57	12	insurers	insurer	NOUN
esutjss-252	57	13	to	to	PART
esutjss-252	57	14	reach	reach	VERB
esutjss-252	57	15	previously	previously	ADV
esutjss-252	57	16	underserved	underserved	ADJ
esutjss-252	57	17	customers	customer	NOUN
esutjss-252	57	18	in	in	ADP
esutjss-252	57	19	remote	remote	ADJ
esutjss-252	57	20	areas	area	NOUN
esutjss-252	57	21	,	,	PUNCT
esutjss-252	57	22	thus	thus	ADV
esutjss-252	57	23	expanding	expand	VERB
esutjss-252	57	24	their	their	PRON
esutjss-252	57	25	customer	customer	NOUN
esutjss-252	57	26	base	base	NOUN
esutjss-252	57	27	hassanain	hassanain	NOUN
esutjss-252	57	28	,	,	PUNCT
esutjss-252	57	29	al	al	PROPN
esutjss-252	57	30	-	-	PUNCT
esutjss-252	57	31	harogi	harogi	PROPN
esutjss-252	57	32	,	,	PUNCT
esutjss-252	57	33	and	and	CCONJ
esutjss-252	57	34	ibrahim	ibrahim	PROPN
esutjss-252	57	35	(	(	PUNCT
esutjss-252	57	36	2022	2022	NUM
esutjss-252	57	37	)	)	PUNCT
esutjss-252	57	38	.	.	PUNCT
esutjss-252	58	1	however	however	ADV
esutjss-252	58	2	,	,	PUNCT
esutjss-252	58	3	the	the	DET
esutjss-252	58	4	pace	pace	NOUN
esutjss-252	58	5	of	of	ADP
esutjss-252	58	6	technological	technological	ADJ
esutjss-252	58	7	adoption	adoption	NOUN
esutjss-252	58	8	varied	vary	VERB
esutjss-252	58	9	widely	widely	ADV
esutjss-252	58	10	across	across	ADP
esutjss-252	58	11	firms	firm	NOUN
esutjss-252	58	12	,	,	PUNCT
esutjss-252	58	13	with	with	ADP
esutjss-252	58	14	some	some	DET
esutjss-252	58	15	lagging	lag	VERB
esutjss-252	58	16	behind	behind	ADP
esutjss-252	58	17	due	due	ADP
esutjss-252	58	18	to	to	ADP
esutjss-252	58	19	high	high	ADJ
esutjss-252	58	20	implementation	implementation	NOUN
esutjss-252	58	21	costs	cost	NOUN
esutjss-252	58	22	and	and	CCONJ
esutjss-252	58	23	inadequate	inadequate	ADJ
esutjss-252	58	24	digital	digital	ADJ
esutjss-252	58	25	infrastructure	infrastructure	NOUN
esutjss-252	58	26	.	.	PUNCT
esutjss-252	59	1	in	in	ADP
esutjss-252	59	2	terms	term	NOUN
esutjss-252	59	3	of	of	ADP
esutjss-252	59	4	product	product	NOUN
esutjss-252	59	5	offerings	offering	NOUN
esutjss-252	59	6	,	,	PUNCT
esutjss-252	59	7	life	life	NOUN
esutjss-252	59	8	insurance	insurance	NOUN
esutjss-252	59	9	,	,	PUNCT
esutjss-252	59	10	health	health	NOUN
esutjss-252	59	11	insurance	insurance	NOUN
esutjss-252	59	12	,	,	PUNCT
esutjss-252	59	13	and	and	CCONJ
esutjss-252	59	14	general	general	ADJ
esutjss-252	59	15	insurance	insurance	NOUN
esutjss-252	59	16	(	(	PUNCT
esutjss-252	59	17	such	such	ADJ
esutjss-252	59	18	as	as	ADP
esutjss-252	59	19	fire	fire	NOUN
esutjss-252	59	20	and	and	CCONJ
esutjss-252	59	21	motor	motor	NOUN
esutjss-252	59	22	insurance	insurance	NOUN
esutjss-252	59	23	)	)	PUNCT
esutjss-252	59	24	dominated	dominate	VERB
esutjss-252	59	25	the	the	DET
esutjss-252	59	26	nigerian	nigerian	ADJ
esutjss-252	59	27	insurance	insurance	NOUN
esutjss-252	59	28	market	market	NOUN
esutjss-252	59	29	before	before	ADP
esutjss-252	59	30	the	the	DET
esutjss-252	59	31	pandemic	pandemic	ADJ
esutjss-252	59	32	.	.	PUNCT
esutjss-252	60	1	life	life	NOUN
esutjss-252	60	2	insurance	insurance	NOUN
esutjss-252	60	3	,	,	PUNCT
esutjss-252	60	4	in	in	ADP
esutjss-252	60	5	particular	particular	ADJ
esutjss-252	60	6	,	,	PUNCT
esutjss-252	60	7	saw	see	VERB
esutjss-252	60	8	increased	increase	VERB
esutjss-252	60	9	uptake	uptake	ADJ
esutjss-252	60	10	as	as	SCONJ
esutjss-252	60	11	more	more	ADJ
esutjss-252	60	12	nigerians	nigerians	PROPN
esutjss-252	60	13	began	begin	VERB
esutjss-252	60	14	to	to	PART
esutjss-252	60	15	recognize	recognize	VERB
esutjss-252	60	16	the	the	DET
esutjss-252	60	17	importance	importance	NOUN
esutjss-252	60	18	of	of	ADP
esutjss-252	60	19	financial	financial	ADJ
esutjss-252	60	20	planning	planning	NOUN
esutjss-252	60	21	and	and	CCONJ
esutjss-252	60	22	risk	risk	NOUN
esutjss-252	60	23	management	management	NOUN
esutjss-252	60	24	.	.	PUNCT
esutjss-252	61	1	however	however	ADV
esutjss-252	61	2	,	,	PUNCT
esutjss-252	61	3	general	general	ADJ
esutjss-252	61	4	insurance	insurance	NOUN
esutjss-252	61	5	products	product	NOUN
esutjss-252	61	6	,	,	PUNCT
esutjss-252	61	7	such	such	ADJ
esutjss-252	61	8	as	as	ADP
esutjss-252	61	9	motor	motor	NOUN
esutjss-252	61	10	insurance	insurance	NOUN
esutjss-252	61	11	,	,	PUNCT
esutjss-252	61	12	remained	remain	VERB
esutjss-252	61	13	the	the	DET
esutjss-252	61	14	most	most	ADV
esutjss-252	61	15	commonly	commonly	ADV
esutjss-252	61	16	purchased	purchase	VERB
esutjss-252	61	17	due	due	ADP
esutjss-252	61	18	to	to	ADP
esutjss-252	61	19	mandatory	mandatory	ADJ
esutjss-252	61	20	insurance	insurance	NOUN
esutjss-252	61	21	requirements	requirement	NOUN
esutjss-252	61	22	adegoke	adegoke	VERB
esutjss-252	61	23	(	(	PUNCT
esutjss-252	61	24	2020	2020	NUM
esutjss-252	61	25	)	)	PUNCT
esutjss-252	61	26	.	.	PUNCT
esutjss-252	62	1	additionally	additionally	ADV
esutjss-252	62	2	,	,	PUNCT
esutjss-252	62	3	the	the	DET
esutjss-252	62	4	nigerian	nigerian	ADJ
esutjss-252	62	5	insurance	insurance	NOUN
esutjss-252	62	6	market	market	NOUN
esutjss-252	62	7	was	be	AUX
esutjss-252	62	8	significantly	significantly	ADV
esutjss-252	62	9	influenced	influence	VERB
esutjss-252	62	10	by	by	ADP
esutjss-252	62	11	macroeconomic	macroeconomic	ADJ
esutjss-252	62	12	factors	factor	NOUN
esutjss-252	62	13	during	during	ADP
esutjss-252	62	14	the	the	DET
esutjss-252	62	15	pre	pre	ADJ
esutjss-252	62	16	-	-	ADJ
esutjss-252	62	17	covid	covid	ADJ
esutjss-252	62	18	era	era	NOUN
esutjss-252	62	19	.	.	PUNCT
esutjss-252	63	1	the	the	DET
esutjss-252	63	2	country	country	NOUN
esutjss-252	63	3	’s	’s	PART
esutjss-252	63	4	dependence	dependence	NOUN
esutjss-252	63	5	on	on	ADP
esutjss-252	63	6	oil	oil	NOUN
esutjss-252	63	7	revenue	revenue	NOUN
esutjss-252	63	8	and	and	CCONJ
esutjss-252	63	9	the	the	DET
esutjss-252	63	10	volatility	volatility	NOUN
esutjss-252	63	11	of	of	ADP
esutjss-252	63	12	global	global	ADJ
esutjss-252	63	13	oil	oil	NOUN
esutjss-252	63	14	prices	price	NOUN
esutjss-252	63	15	had	have	VERB
esutjss-252	63	16	direct	direct	ADJ
esutjss-252	63	17	consequences	consequence	NOUN
esutjss-252	63	18	for	for	ADP
esutjss-252	63	19	the	the	DET
esutjss-252	63	20	financial	financial	ADJ
esutjss-252	63	21	health	health	NOUN
esutjss-252	63	22	of	of	ADP
esutjss-252	63	23	both	both	DET
esutjss-252	63	24	insurers	insurer	NOUN
esutjss-252	63	25	and	and	CCONJ
esutjss-252	63	26	their	their	PRON
esutjss-252	63	27	customers	customer	NOUN
esutjss-252	63	28	.	.	PUNCT
esutjss-252	64	1	fluctuations	fluctuation	NOUN
esutjss-252	64	2	in	in	ADP
esutjss-252	64	3	oil	oil	NOUN
esutjss-252	64	4	prices	price	NOUN
esutjss-252	64	5	affected	affect	VERB
esutjss-252	64	6	government	government	NOUN
esutjss-252	64	7	revenues	revenue	NOUN
esutjss-252	64	8	and	and	CCONJ
esutjss-252	64	9	,	,	PUNCT
esutjss-252	64	10	by	by	ADP
esutjss-252	64	11	extension	extension	NOUN
esutjss-252	64	12	,	,	PUNCT
esutjss-252	64	13	economic	economic	ADJ
esutjss-252	64	14	growth	growth	NOUN
esutjss-252	64	15	,	,	PUNCT
esutjss-252	64	16	which	which	PRON
esutjss-252	64	17	in	in	ADP
esutjss-252	64	18	turn	turn	NOUN
esutjss-252	64	19	influenced	influence	VERB
esutjss-252	64	20	the	the	DET
esutjss-252	64	21	demand	demand	NOUN
esutjss-252	64	22	for	for	ADP
esutjss-252	64	23	insurance	insurance	NOUN
esutjss-252	64	24	products	product	NOUN
esutjss-252	64	25	.	.	PUNCT
esutjss-252	65	1	economic	economic	ADJ
esutjss-252	65	2	recessions	recession	NOUN
esutjss-252	65	3	,	,	PUNCT
esutjss-252	65	4	such	such	ADJ
esutjss-252	65	5	as	as	ADP
esutjss-252	65	6	the	the	DET
esutjss-252	65	7	one	one	NOUN
esutjss-252	65	8	experienced	experience	VERB
esutjss-252	65	9	in	in	ADP
esutjss-252	65	10	2016	2016	NUM
esutjss-252	65	11	,	,	PUNCT
esutjss-252	65	12	further	far	ADV
esutjss-252	65	13	strained	strain	VERB
esutjss-252	65	14	the	the	DET
esutjss-252	65	15	sector	sector	NOUN
esutjss-252	65	16	,	,	PUNCT
esutjss-252	65	17	reducing	reduce	VERB
esutjss-252	65	18	disposable	disposable	ADJ
esutjss-252	65	19	incomes	income	NOUN
esutjss-252	65	20	and	and	CCONJ
esutjss-252	65	21	dampening	dampen	VERB
esutjss-252	65	22	demand	demand	NOUN
esutjss-252	65	23	for	for	ADP
esutjss-252	65	24	insurance	insurance	NOUN
esutjss-252	65	25	taiwo	taiwo	PROPN
esutjss-252	65	26	,	,	PUNCT
esutjss-252	65	27	(	(	PUNCT
esutjss-252	65	28	2019	2019	NUM
esutjss-252	65	29	)	)	PUNCT
esutjss-252	65	30	;	;	PUNCT
esutjss-252	65	31	gbenro	gbenro	X
esutjss-252	65	32	(	(	PUNCT
esutjss-252	65	33	2019	2019	NUM
esutjss-252	65	34	)	)	PUNCT
esutjss-252	65	35	.	.	PUNCT
esutjss-252	66	1	despite	despite	SCONJ
esutjss-252	66	2	these	these	DET
esutjss-252	66	3	challenges	challenge	NOUN
esutjss-252	66	4	,	,	PUNCT
esutjss-252	66	5	nigerian	nigerian	ADJ
esutjss-252	66	6	insurers	insurer	NOUN
esutjss-252	66	7	displayed	display	VERB
esutjss-252	66	8	resilience	resilience	NOUN
esutjss-252	66	9	and	and	CCONJ
esutjss-252	66	10	adaptability	adaptability	NOUN
esutjss-252	66	11	during	during	ADP
esutjss-252	66	12	the	the	DET
esutjss-252	66	13	pre	pre	ADJ
esutjss-252	66	14	-	-	ADJ
esutjss-252	66	15	covid	covid	ADJ
esutjss-252	66	16	era	era	NOUN
esutjss-252	66	17	.	.	PUNCT
esutjss-252	67	1	companies	company	NOUN
esutjss-252	67	2	that	that	PRON
esutjss-252	67	3	embraced	embrace	VERB
esutjss-252	67	4	technological	technological	ADJ
esutjss-252	67	5	innovations	innovation	NOUN
esutjss-252	67	6	and	and	CCONJ
esutjss-252	67	7	diversified	diversify	VERB
esutjss-252	67	8	their	their	PRON
esutjss-252	67	9	product	product	NOUN
esutjss-252	67	10	offerings	offering	NOUN
esutjss-252	67	11	managed	manage	VERB
esutjss-252	67	12	to	to	PART
esutjss-252	67	13	improve	improve	VERB
esutjss-252	67	14	operational	operational	ADJ
esutjss-252	67	15	efficiency	efficiency	NOUN
esutjss-252	67	16	and	and	CCONJ
esutjss-252	67	17	profitability	profitability	NOUN
esutjss-252	67	18	.	.	PUNCT
esutjss-252	68	1	the	the	DET
esutjss-252	68	2	period	period	NOUN
esutjss-252	68	3	also	also	ADV
esutjss-252	68	4	saw	see	VERB
esutjss-252	68	5	increased	increase	VERB
esutjss-252	68	6	foreign	foreign	ADJ
esutjss-252	68	7	investment	investment	NOUN
esutjss-252	68	8	in	in	ADP
esutjss-252	68	9	the	the	DET
esutjss-252	68	10	sector	sector	NOUN
esutjss-252	68	11	,	,	PUNCT
esutjss-252	68	12	with	with	ADP
esutjss-252	68	13	global	global	ADJ
esutjss-252	68	14	insurance	insurance	NOUN
esutjss-252	68	15	giants	giant	NOUN
esutjss-252	68	16	entering	enter	VERB
esutjss-252	68	17	the	the	DET
esutjss-252	68	18	nigerian	nigerian	ADJ
esutjss-252	68	19	market	market	NOUN
esutjss-252	68	20	through	through	ADP
esutjss-252	68	21	partnerships	partnership	NOUN
esutjss-252	68	22	and	and	CCONJ
esutjss-252	68	23	acquisitions	acquisition	NOUN
esutjss-252	68	24	,	,	PUNCT
esutjss-252	68	25	further	far	ADV
esutjss-252	68	26	boosting	boost	VERB
esutjss-252	68	27	industry	industry	NOUN
esutjss-252	68	28	growth	growth	NOUN
esutjss-252	68	29	and	and	CCONJ
esutjss-252	68	30	modernization	modernization	NOUN
esutjss-252	68	31	.	.	PUNCT
esutjss-252	69	1	in	in	ADP
esutjss-252	69	2	conclusion	conclusion	NOUN
esutjss-252	69	3	,	,	PUNCT
esutjss-252	69	4	the	the	DET
esutjss-252	69	5	pre	pre	ADJ
esutjss-252	69	6	-	-	ADJ
esutjss-252	69	7	covid	covid	ADJ
esutjss-252	69	8	era	era	NOUN
esutjss-252	69	9	for	for	ADP
esutjss-252	69	10	nigerian	nigerian	ADJ
esutjss-252	69	11	insurance	insurance	NOUN
esutjss-252	69	12	firms	firm	NOUN
esutjss-252	69	13	was	be	AUX
esutjss-252	69	14	characterized	characterize	VERB
esutjss-252	69	15	by	by	ADP
esutjss-252	69	16	both	both	DET
esutjss-252	69	17	challenges	challenge	NOUN
esutjss-252	69	18	and	and	CCONJ
esutjss-252	69	19	opportunities	opportunity	NOUN
esutjss-252	69	20	.	.	PUNCT
esutjss-252	70	1	while	while	SCONJ
esutjss-252	70	2	the	the	DET
esutjss-252	70	3	sector	sector	NOUN
esutjss-252	70	4	struggled	struggle	VERB
esutjss-252	70	5	with	with	ADP
esutjss-252	70	6	low	low	ADJ
esutjss-252	70	7	insurance	insurance	NOUN
esutjss-252	70	8	penetration	penetration	NOUN
esutjss-252	70	9	,	,	PUNCT
esutjss-252	70	10	regulatory	regulatory	ADJ
esutjss-252	70	11	constraints	constraint	NOUN
esutjss-252	70	12	,	,	PUNCT
esutjss-252	70	13	and	and	CCONJ
esutjss-252	70	14	economic	economic	ADJ
esutjss-252	70	15	volatility	volatility	NOUN
esutjss-252	70	16	,	,	PUNCT
esutjss-252	70	17	there	there	PRON
esutjss-252	70	18	were	be	VERB
esutjss-252	70	19	notable	notable	ADJ
esutjss-252	70	20	advancements	advancement	NOUN
esutjss-252	70	21	in	in	ADP
esutjss-252	70	22	219	219	NUM
esutjss-252	70	23	technology	technology	NOUN
esutjss-252	70	24	and	and	CCONJ
esutjss-252	70	25	product	product	NOUN
esutjss-252	70	26	diversification	diversification	NOUN
esutjss-252	70	27	.	.	PUNCT
esutjss-252	71	1	the	the	DET
esutjss-252	71	2	introduction	introduction	NOUN
esutjss-252	71	3	of	of	ADP
esutjss-252	71	4	stricter	strict	ADJ
esutjss-252	71	5	regulatory	regulatory	ADJ
esutjss-252	71	6	frameworks	framework	NOUN
esutjss-252	71	7	and	and	CCONJ
esutjss-252	71	8	digital	digital	ADJ
esutjss-252	71	9	transformation	transformation	NOUN
esutjss-252	71	10	provided	provide	VERB
esutjss-252	71	11	a	a	DET
esutjss-252	71	12	foundation	foundation	NOUN
esutjss-252	71	13	for	for	ADP
esutjss-252	71	14	growth	growth	NOUN
esutjss-252	71	15	,	,	PUNCT
esutjss-252	71	16	positioning	position	VERB
esutjss-252	71	17	the	the	DET
esutjss-252	71	18	industry	industry	NOUN
esutjss-252	71	19	for	for	ADP
esutjss-252	71	20	resilience	resilience	NOUN
esutjss-252	71	21	in	in	ADP
esutjss-252	71	22	the	the	DET
esutjss-252	71	23	face	face	NOUN
esutjss-252	71	24	of	of	ADP
esutjss-252	71	25	future	future	ADJ
esutjss-252	71	26	disruptions	disruption	NOUN
esutjss-252	71	27	,	,	PUNCT
esutjss-252	71	28	including	include	VERB
esutjss-252	71	29	the	the	DET
esutjss-252	71	30	covid-19	covid-19	PROPN
esutjss-252	71	31	pandemic	pandemic	NOUN
esutjss-252	71	32	.	.	PUNCT
esutjss-252	72	1	understanding	understand	VERB
esutjss-252	72	2	these	these	DET
esutjss-252	72	3	pre	pre	ADJ
esutjss-252	72	4	-	-	ADJ
esutjss-252	72	5	covid	covid	ADJ
esutjss-252	72	6	dynamics	dynamic	NOUN
esutjss-252	72	7	is	be	AUX
esutjss-252	72	8	crucial	crucial	ADJ
esutjss-252	72	9	for	for	ADP
esutjss-252	72	10	assessing	assess	VERB
esutjss-252	72	11	the	the	DET
esutjss-252	72	12	future	future	ADJ
esutjss-252	72	13	trajectory	trajectory	NOUN
esutjss-252	72	14	of	of	ADP
esutjss-252	72	15	nigeria	nigeria	PROPN
esutjss-252	72	16	’s	’s	PART
esutjss-252	72	17	insurance	insurance	NOUN
esutjss-252	72	18	industry	industry	NOUN
esutjss-252	72	19	.	.	PUNCT
esutjss-252	73	1	concept	concept	NOUN
esutjss-252	73	2	of	of	ADP
esutjss-252	73	3	insurance	insurance	NOUN
esutjss-252	73	4	premium	premium	NOUN
esutjss-252	73	5	rating	rating	NOUN
esutjss-252	73	6	insurance	insurance	NOUN
esutjss-252	73	7	premium	premium	NOUN
esutjss-252	73	8	rating	rating	NOUN
esutjss-252	73	9	refers	refer	VERB
esutjss-252	73	10	to	to	ADP
esutjss-252	73	11	the	the	DET
esutjss-252	73	12	process	process	NOUN
esutjss-252	73	13	by	by	ADP
esutjss-252	73	14	which	which	PRON
esutjss-252	73	15	insurers	insurer	NOUN
esutjss-252	73	16	determine	determine	VERB
esutjss-252	73	17	the	the	DET
esutjss-252	73	18	cost	cost	NOUN
esutjss-252	73	19	that	that	PRON
esutjss-252	73	20	an	an	DET
esutjss-252	73	21	individual	individual	NOUN
esutjss-252	73	22	or	or	CCONJ
esutjss-252	73	23	business	business	NOUN
esutjss-252	73	24	must	must	AUX
esutjss-252	73	25	pay	pay	VERB
esutjss-252	73	26	for	for	ADP
esutjss-252	73	27	insurance	insurance	NOUN
esutjss-252	73	28	coverage	coverage	NOUN
esutjss-252	73	29	.	.	PUNCT
esutjss-252	74	1	according	accord	VERB
esutjss-252	74	2	to	to	ADP
esutjss-252	74	3	investopedia	investopedia	PROPN
esutjss-252	74	4	(	(	PUNCT
esutjss-252	74	5	2023	2023	NUM
esutjss-252	74	6	)	)	PUNCT
esutjss-252	74	7	,	,	PUNCT
esutjss-252	74	8	an	an	DET
esutjss-252	74	9	insurance	insurance	NOUN
esutjss-252	74	10	premium	premium	NOUN
esutjss-252	74	11	is	be	AUX
esutjss-252	74	12	the	the	DET
esutjss-252	74	13	amount	amount	NOUN
esutjss-252	74	14	paid	pay	VERB
esutjss-252	74	15	for	for	ADP
esutjss-252	74	16	policies	policy	NOUN
esutjss-252	74	17	such	such	ADJ
esutjss-252	74	18	as	as	ADP
esutjss-252	74	19	health	health	NOUN
esutjss-252	74	20	,	,	PUNCT
esutjss-252	74	21	auto	auto	NOUN
esutjss-252	74	22	,	,	PUNCT
esutjss-252	74	23	home	home	NOUN
esutjss-252	74	24	,	,	PUNCT
esutjss-252	74	25	and	and	CCONJ
esutjss-252	74	26	life	life	NOUN
esutjss-252	74	27	insurance	insurance	NOUN
esutjss-252	74	28	.	.	PUNCT
esutjss-252	75	1	the	the	DET
esutjss-252	75	2	premium	premium	NOUN
esutjss-252	75	3	serves	serve	VERB
esutjss-252	75	4	as	as	ADP
esutjss-252	75	5	income	income	NOUN
esutjss-252	75	6	for	for	ADP
esutjss-252	75	7	the	the	DET
esutjss-252	75	8	insurer	insurer	NOUN
esutjss-252	75	9	but	but	CCONJ
esutjss-252	75	10	also	also	ADV
esutjss-252	75	11	represents	represent	VERB
esutjss-252	75	12	a	a	DET
esutjss-252	75	13	liability	liability	NOUN
esutjss-252	75	14	if	if	SCONJ
esutjss-252	75	15	not	not	PART
esutjss-252	75	16	paid	pay	VERB
esutjss-252	75	17	,	,	PUNCT
esutjss-252	75	18	leading	lead	VERB
esutjss-252	75	19	to	to	ADP
esutjss-252	75	20	potential	potential	ADJ
esutjss-252	75	21	policy	policy	NOUN
esutjss-252	75	22	cancellation	cancellation	NOUN
esutjss-252	75	23	.	.	PUNCT
esutjss-252	76	1	premium	premium	NOUN
esutjss-252	76	2	payment	payment	NOUN
esutjss-252	76	3	frequencies	frequency	NOUN
esutjss-252	76	4	vary	vary	VERB
esutjss-252	76	5	,	,	PUNCT
esutjss-252	76	6	with	with	ADP
esutjss-252	76	7	options	option	NOUN
esutjss-252	76	8	for	for	ADP
esutjss-252	76	9	quarterly	quarterly	ADJ
esutjss-252	76	10	,	,	PUNCT
esutjss-252	76	11	monthly	monthly	ADJ
esutjss-252	76	12	,	,	PUNCT
esutjss-252	76	13	or	or	CCONJ
esutjss-252	76	14	semi	semi	ADJ
esutjss-252	76	15	-	-	ADJ
esutjss-252	76	16	annual	annual	ADJ
esutjss-252	76	17	payments	payment	NOUN
esutjss-252	76	18	.	.	PUNCT
esutjss-252	77	1	several	several	ADJ
esutjss-252	77	2	factors	factor	NOUN
esutjss-252	77	3	affect	affect	VERB
esutjss-252	77	4	premium	premium	ADJ
esutjss-252	77	5	pricing	pricing	NOUN
esutjss-252	77	6	,	,	PUNCT
esutjss-252	77	7	including	include	VERB
esutjss-252	77	8	coverage	coverage	NOUN
esutjss-252	77	9	type	type	NOUN
esutjss-252	77	10	,	,	PUNCT
esutjss-252	77	11	policyholder	policyholder	NOUN
esutjss-252	77	12	's	's	PART
esutjss-252	77	13	age	age	NOUN
esutjss-252	77	14	,	,	PUNCT
esutjss-252	77	15	location	location	NOUN
esutjss-252	77	16	,	,	PUNCT
esutjss-252	77	17	claims	claim	VERB
esutjss-252	77	18	history	history	NOUN
esutjss-252	77	19	,	,	PUNCT
esutjss-252	77	20	moral	moral	ADJ
esutjss-252	77	21	hazard	hazard	NOUN
esutjss-252	77	22	,	,	PUNCT
esutjss-252	77	23	and	and	CCONJ
esutjss-252	77	24	adverse	adverse	ADJ
esutjss-252	77	25	selection	selection	NOUN
esutjss-252	77	26	.	.	PUNCT
esutjss-252	78	1	these	these	DET
esutjss-252	78	2	elements	element	NOUN
esutjss-252	78	3	help	help	VERB
esutjss-252	78	4	policyholders	policyholder	NOUN
esutjss-252	78	5	make	make	VERB
esutjss-252	78	6	informed	informed	ADJ
esutjss-252	78	7	choices	choice	NOUN
esutjss-252	78	8	and	and	CCONJ
esutjss-252	78	9	find	find	VERB
esutjss-252	78	10	affordable	affordable	ADJ
esutjss-252	78	11	coverage	coverage	NOUN
esutjss-252	78	12	.	.	PUNCT
esutjss-252	79	1	esfandabadi	esfandabadi	NOUN
esutjss-252	79	2	et	et	PROPN
esutjss-252	79	3	al	al	PROPN
esutjss-252	79	4	.	.	PROPN
esutjss-252	80	1	(	(	PUNCT
esutjss-252	80	2	2023	2023	NUM
esutjss-252	80	3	)	)	PUNCT
esutjss-252	80	4	explain	explain	VERB
esutjss-252	80	5	that	that	SCONJ
esutjss-252	80	6	the	the	DET
esutjss-252	80	7	premium	premium	NOUN
esutjss-252	80	8	rating	rating	NOUN
esutjss-252	80	9	process	process	NOUN
esutjss-252	80	10	involves	involve	VERB
esutjss-252	80	11	assessing	assess	VERB
esutjss-252	80	12	factors	factor	NOUN
esutjss-252	80	13	such	such	ADJ
esutjss-252	80	14	as	as	ADP
esutjss-252	80	15	the	the	DET
esutjss-252	80	16	value	value	NOUN
esutjss-252	80	17	and	and	CCONJ
esutjss-252	80	18	location	location	NOUN
esutjss-252	80	19	of	of	ADP
esutjss-252	80	20	the	the	DET
esutjss-252	80	21	insured	insure	VERB
esutjss-252	80	22	property	property	NOUN
esutjss-252	80	23	,	,	PUNCT
esutjss-252	80	24	as	as	ADV
esutjss-252	80	25	well	well	ADV
esutjss-252	80	26	as	as	ADP
esutjss-252	80	27	the	the	DET
esutjss-252	80	28	risks	risk	NOUN
esutjss-252	80	29	of	of	ADP
esutjss-252	80	30	loss	loss	NOUN
esutjss-252	80	31	or	or	CCONJ
esutjss-252	80	32	damage	damage	NOUN
esutjss-252	80	33	.	.	PUNCT
esutjss-252	81	1	this	this	DET
esutjss-252	81	2	process	process	NOUN
esutjss-252	81	3	is	be	AUX
esutjss-252	81	4	crucial	crucial	ADJ
esutjss-252	81	5	for	for	ADP
esutjss-252	81	6	ensuring	ensure	VERB
esutjss-252	81	7	that	that	SCONJ
esutjss-252	81	8	insurers	insurer	NOUN
esutjss-252	81	9	remain	remain	VERB
esutjss-252	81	10	financially	financially	ADV
esutjss-252	81	11	stable	stable	ADJ
esutjss-252	81	12	and	and	CCONJ
esutjss-252	81	13	capable	capable	ADJ
esutjss-252	81	14	of	of	ADP
esutjss-252	81	15	covering	cover	VERB
esutjss-252	81	16	potential	potential	ADJ
esutjss-252	81	17	claims	claim	NOUN
esutjss-252	81	18	.	.	PUNCT
esutjss-252	82	1	meanwhile	meanwhile	ADV
esutjss-252	82	2	,	,	PUNCT
esutjss-252	82	3	kaushik	kaushik	PROPN
esutjss-252	82	4	et	et	PROPN
esutjss-252	82	5	al	al	PROPN
esutjss-252	82	6	.	.	PROPN
esutjss-252	82	7	(	(	PUNCT
esutjss-252	82	8	2022	2022	NUM
esutjss-252	82	9	)	)	PUNCT
esutjss-252	82	10	emphasize	emphasize	VERB
esutjss-252	82	11	that	that	SCONJ
esutjss-252	82	12	premium	premium	NOUN
esutjss-252	82	13	rating	rating	NOUN
esutjss-252	82	14	is	be	AUX
esutjss-252	82	15	not	not	PART
esutjss-252	82	16	only	only	ADV
esutjss-252	82	17	important	important	ADJ
esutjss-252	82	18	for	for	ADP
esutjss-252	82	19	insurers	insurer	NOUN
esutjss-252	82	20	but	but	CCONJ
esutjss-252	82	21	also	also	ADV
esutjss-252	82	22	helps	help	VERB
esutjss-252	82	23	individuals	individual	NOUN
esutjss-252	82	24	and	and	CCONJ
esutjss-252	82	25	businesses	business	NOUN
esutjss-252	82	26	understand	understand	VERB
esutjss-252	82	27	their	their	PRON
esutjss-252	82	28	insurance	insurance	NOUN
esutjss-252	82	29	costs	cost	NOUN
esutjss-252	82	30	,	,	PUNCT
esutjss-252	82	31	aiding	aid	VERB
esutjss-252	82	32	in	in	ADP
esutjss-252	82	33	informed	informed	ADJ
esutjss-252	82	34	decision	decision	NOUN
esutjss-252	82	35	-	-	PUNCT
esutjss-252	82	36	making	making	NOUN
esutjss-252	82	37	.	.	PUNCT
esutjss-252	83	1	the	the	DET
esutjss-252	83	2	introduction	introduction	NOUN
esutjss-252	83	3	of	of	ADP
esutjss-252	83	4	modern	modern	ADJ
esutjss-252	83	5	technologies	technology	NOUN
esutjss-252	83	6	and	and	CCONJ
esutjss-252	83	7	risk	risk	NOUN
esutjss-252	83	8	assessment	assessment	NOUN
esutjss-252	83	9	tools	tool	NOUN
esutjss-252	83	10	has	have	AUX
esutjss-252	83	11	evolved	evolve	VERB
esutjss-252	83	12	the	the	DET
esutjss-252	83	13	premium	premium	NOUN
esutjss-252	83	14	rating	rating	NOUN
esutjss-252	83	15	process	process	NOUN
esutjss-252	83	16	,	,	PUNCT
esutjss-252	83	17	making	make	VERB
esutjss-252	83	18	it	it	PRON
esutjss-252	83	19	a	a	DET
esutjss-252	83	20	vital	vital	ADJ
esutjss-252	83	21	part	part	NOUN
esutjss-252	83	22	of	of	ADP
esutjss-252	83	23	risk	risk	NOUN
esutjss-252	83	24	management	management	NOUN
esutjss-252	83	25	strategies	strategy	NOUN
esutjss-252	83	26	for	for	ADP
esutjss-252	83	27	businesses	business	NOUN
esutjss-252	83	28	and	and	CCONJ
esutjss-252	83	29	property	property	NOUN
esutjss-252	83	30	owners	owner	NOUN
esutjss-252	83	31	.	.	PUNCT
esutjss-252	84	1	in	in	ADP
esutjss-252	84	2	summary	summary	NOUN
esutjss-252	84	3	,	,	PUNCT
esutjss-252	84	4	insurance	insurance	NOUN
esutjss-252	84	5	premium	premium	NOUN
esutjss-252	84	6	rating	rating	NOUN
esutjss-252	84	7	is	be	AUX
esutjss-252	84	8	essential	essential	ADJ
esutjss-252	84	9	for	for	ADP
esutjss-252	84	10	both	both	DET
esutjss-252	84	11	insurers	insurer	NOUN
esutjss-252	84	12	and	and	CCONJ
esutjss-252	84	13	policyholders	policyholder	NOUN
esutjss-252	84	14	,	,	PUNCT
esutjss-252	84	15	ensuring	ensure	VERB
esutjss-252	84	16	fair	fair	ADJ
esutjss-252	84	17	pricing	pricing	NOUN
esutjss-252	84	18	and	and	CCONJ
esutjss-252	84	19	the	the	DET
esutjss-252	84	20	financial	financial	ADJ
esutjss-252	84	21	stability	stability	NOUN
esutjss-252	84	22	of	of	ADP
esutjss-252	84	23	insurance	insurance	NOUN
esutjss-252	84	24	companies	company	NOUN
esutjss-252	84	25	,	,	PUNCT
esutjss-252	84	26	while	while	SCONJ
esutjss-252	84	27	guiding	guide	VERB
esutjss-252	84	28	consumers	consumer	NOUN
esutjss-252	84	29	in	in	ADP
esutjss-252	84	30	their	their	PRON
esutjss-252	84	31	coverage	coverage	NOUN
esutjss-252	84	32	decisions	decision	NOUN
esutjss-252	84	33	.	.	PUNCT
esutjss-252	85	1	theoretical	theoretical	ADJ
esutjss-252	85	2	framework	framework	NOUN
esutjss-252	85	3	property	property	NOUN
esutjss-252	85	4	-	-	PUNCT
esutjss-252	85	5	liability	liability	NOUN
esutjss-252	85	6	insurance	insurance	NOUN
esutjss-252	85	7	pricing	pricing	NOUN
esutjss-252	85	8	models	model	NOUN
esutjss-252	85	9	property	property	NOUN
esutjss-252	85	10	-	-	PUNCT
esutjss-252	85	11	liability	liability	NOUN
esutjss-252	85	12	insurance	insurance	NOUN
esutjss-252	85	13	pricing	pricing	NOUN
esutjss-252	85	14	models	model	NOUN
esutjss-252	85	15	aim	aim	VERB
esutjss-252	85	16	to	to	PART
esutjss-252	85	17	determine	determine	VERB
esutjss-252	85	18	appropriate	appropriate	ADJ
esutjss-252	85	19	insurance	insurance	NOUN
esutjss-252	85	20	rates	rate	NOUN
esutjss-252	85	21	by	by	ADP
esutjss-252	85	22	integrating	integrate	VERB
esutjss-252	85	23	both	both	CCONJ
esutjss-252	85	24	underwriting	underwriting	NOUN
esutjss-252	85	25	and	and	CCONJ
esutjss-252	85	26	investment	investment	NOUN
esutjss-252	85	27	performance	performance	NOUN
esutjss-252	85	28	.	.	PUNCT
esutjss-252	86	1	the	the	DET
esutjss-252	86	2	theory	theory	NOUN
esutjss-252	86	3	was	be	AUX
esutjss-252	86	4	propounded	propound	VERB
esutjss-252	86	5	by	by	ADP
esutjss-252	86	6	d’arcy	d’arcy	PROPN
esutjss-252	86	7	and	and	CCONJ
esutjss-252	86	8	garven	garven	VERB
esutjss-252	86	9	(	(	PUNCT
esutjss-252	86	10	1990	1990	NUM
esutjss-252	86	11	)	)	PUNCT
esutjss-252	86	12	by	by	ADP
esutjss-252	86	13	(	(	PUNCT
esutjss-252	86	14	msomi	msomi	NOUN
esutjss-252	86	15	,	,	PUNCT
esutjss-252	86	16	and	and	CCONJ
esutjss-252	86	17	nzama(2023	nzama(2023	NUM
esutjss-252	86	18	)	)	PUNCT
esutjss-252	86	19	.	.	PUNCT
esutjss-252	87	1	essentially	essentially	ADV
esutjss-252	87	2	,	,	PUNCT
esutjss-252	87	3	these	these	DET
esutjss-252	87	4	models	model	NOUN
esutjss-252	87	5	consider	consider	VERB
esutjss-252	87	6	various	various	ADJ
esutjss-252	87	7	factors	factor	NOUN
esutjss-252	87	8	to	to	PART
esutjss-252	87	9	establish	establish	VERB
esutjss-252	87	10	premiums	premium	NOUN
esutjss-252	87	11	that	that	PRON
esutjss-252	87	12	reflect	reflect	VERB
esutjss-252	87	13	the	the	DET
esutjss-252	87	14	equilibrium	equilibrium	NOUN
esutjss-252	87	15	between	between	ADP
esutjss-252	87	16	risk	risk	NOUN
esutjss-252	87	17	and	and	CCONJ
esutjss-252	87	18	return	return	NOUN
esutjss-252	87	19	.	.	PUNCT
esutjss-252	88	1	property	property	NOUN
esutjss-252	88	2	-	-	PUNCT
esutjss-252	88	3	liability	liability	NOUN
esutjss-252	88	4	insurance	insurance	NOUN
esutjss-252	88	5	pricing	pricing	NOUN
esutjss-252	88	6	models	model	NOUN
esutjss-252	88	7	go	go	VERB
esutjss-252	88	8	beyond	beyond	ADP
esutjss-252	88	9	traditional	traditional	ADJ
esutjss-252	88	10	approaches	approach	NOUN
esutjss-252	88	11	that	that	PRON
esutjss-252	88	12	ignore	ignore	VERB
esutjss-252	88	13	investment	investment	NOUN
esutjss-252	88	14	income	income	NOUN
esutjss-252	88	15	.	.	PUNCT
esutjss-252	89	1	these	these	DET
esutjss-252	89	2	models	model	NOUN
esutjss-252	89	3	combine	combine	VERB
esutjss-252	89	4	underwriting	underwriting	NOUN
esutjss-252	89	5	and	and	CCONJ
esutjss-252	89	6	investment	investment	NOUN
esutjss-252	89	7	aspects	aspect	NOUN
esutjss-252	89	8	to	to	PART
esutjss-252	89	9	determine	determine	VERB
esutjss-252	89	10	insurance	insurance	NOUN
esutjss-252	89	11	rates	rate	NOUN
esutjss-252	89	12	.	.	PUNCT
esutjss-252	90	1	researchers	researcher	NOUN
esutjss-252	90	2	and	and	CCONJ
esutjss-252	90	3	actuaries	actuary	NOUN
esutjss-252	90	4	explore	explore	VERB
esutjss-252	90	5	different	different	ADJ
esutjss-252	90	6	models	model	NOUN
esutjss-252	90	7	to	to	PART
esutjss-252	90	8	predict	predict	VERB
esutjss-252	90	9	actual	actual	ADJ
esutjss-252	90	10	underwriting	underwriting	NOUN
esutjss-252	90	11	profit	profit	NOUN
esutjss-252	90	12	margins	margin	NOUN
esutjss-252	90	13	over	over	ADP
esutjss-252	90	14	extended	extended	ADJ
esutjss-252	90	15	periods	period	NOUN
esutjss-252	90	16	.	.	PUNCT
esutjss-252	91	1	scholars	scholar	NOUN
esutjss-252	91	2	evaluate	evaluate	VERB
esutjss-252	91	3	various	various	ADJ
esutjss-252	91	4	pricing	pricing	NOUN
esutjss-252	91	5	models	model	NOUN
esutjss-252	91	6	(	(	PUNCT
esutjss-252	91	7	such	such	ADJ
esutjss-252	91	8	as	as	ADP
esutjss-252	91	9	option	option	NOUN
esutjss-252	91	10	theory	theory	NOUN
esutjss-252	91	11	,	,	PUNCT
esutjss-252	91	12	capm	capm	PROPN
esutjss-252	91	13	,	,	PUNCT
esutjss-252	91	14	adjusted	adjust	VERB
esutjss-252	91	15	net	net	ADJ
esutjss-252	91	16	present	present	ADJ
esutjss-252	91	17	value	value	NOUN
esutjss-252	91	18	,	,	PUNCT
esutjss-252	91	19	internal	internal	ADJ
esutjss-252	91	20	rate	rate	NOUN
esutjss-252	91	21	of	of	ADP
esutjss-252	91	22	return	return	NOUN
esutjss-252	91	23	,	,	PUNCT
esutjss-252	91	24	and	and	CCONJ
esutjss-252	91	25	total	total	ADJ
esutjss-252	91	26	rate	rate	NOUN
esutjss-252	91	27	of	of	ADP
esutjss-252	91	28	return	return	NOUN
esutjss-252	91	29	)	)	PUNCT
esutjss-252	91	30	over	over	ADP
esutjss-252	91	31	historical	historical	ADJ
esutjss-252	91	32	data	datum	NOUN
esutjss-252	91	33	.	.	PUNCT
esutjss-252	92	1	the	the	DET
esutjss-252	92	2	goal	goal	NOUN
esutjss-252	92	3	is	be	AUX
esutjss-252	92	4	to	to	PART
esutjss-252	92	5	assess	assess	VERB
esutjss-252	92	6	how	how	SCONJ
esutjss-252	92	7	well	well	ADV
esutjss-252	92	8	each	each	DET
esutjss-252	92	9	model	model	NOUN
esutjss-252	92	10	predicts	predict	VERB
esutjss-252	92	11	underwriting	underwriting	NOUN
esutjss-252	92	12	profit	profit	NOUN
esutjss-252	92	13	margins	margin	NOUN
esutjss-252	92	14	sahai	sahai	NOUN
esutjss-252	92	15	,	,	PUNCT
esutjss-252	92	16	et	et	PROPN
esutjss-252	92	17	,	,	PUNCT
esutjss-252	92	18	al	al	PROPN
esutjss-252	92	19	(	(	PUNCT
esutjss-252	92	20	2023	2023	NUM
esutjss-252	92	21	)	)	PUNCT
esutjss-252	92	22	.	.	PUNCT
esutjss-252	93	1	by	by	ADP
esutjss-252	93	2	comparing	compare	VERB
esutjss-252	93	3	model	model	NOUN
esutjss-252	93	4	results	result	NOUN
esutjss-252	93	5	,	,	PUNCT
esutjss-252	93	6	insurers	insurer	NOUN
esutjss-252	93	7	gain	gain	VERB
esutjss-252	93	8	insights	insight	NOUN
esutjss-252	93	9	into	into	ADP
esutjss-252	93	10	which	which	PRON
esutjss-252	93	11	models	model	NOUN
esutjss-252	93	12	perform	perform	VERB
esutjss-252	93	13	best	good	ADJ
esutjss-252	93	14	under	under	ADP
esutjss-252	93	15	different	different	ADJ
esutjss-252	93	16	economic	economic	ADJ
esutjss-252	93	17	and	and	CCONJ
esutjss-252	93	18	competitive	competitive	ADJ
esutjss-252	93	19	conditions	condition	NOUN
esutjss-252	93	20	.	.	PUNCT
esutjss-252	94	1	a.	a.	NOUN
esutjss-252	94	2	application	application	NOUN
esutjss-252	94	3	of	of	ADP
esutjss-252	94	4	property	property	NOUN
esutjss-252	94	5	-	-	PUNCT
esutjss-252	94	6	liability	liability	NOUN
esutjss-252	94	7	insurance	insurance	NOUN
esutjss-252	94	8	pricing	pricing	NOUN
esutjss-252	94	9	models	model	NOUN
esutjss-252	94	10	to	to	ADP
esutjss-252	94	11	the	the	DET
esutjss-252	94	12	study	study	NOUN
esutjss-252	94	13	the	the	DET
esutjss-252	94	14	evaluation	evaluation	NOUN
esutjss-252	94	15	of	of	ADP
esutjss-252	94	16	property	property	NOUN
esutjss-252	94	17	-	-	PUNCT
esutjss-252	94	18	liability	liability	NOUN
esutjss-252	94	19	insurance	insurance	NOUN
esutjss-252	94	20	pricing	pricing	NOUN
esutjss-252	94	21	models	model	NOUN
esutjss-252	94	22	directly	directly	ADV
esutjss-252	94	23	relates	relate	VERB
esutjss-252	94	24	to	to	ADP
esutjss-252	94	25	fire	fire	NOUN
esutjss-252	94	26	insurance	insurance	NOUN
esutjss-252	94	27	rating	rating	NOUN
esutjss-252	94	28	and	and	CCONJ
esutjss-252	94	29	the	the	DET
esutjss-252	94	30	performance	performance	NOUN
esutjss-252	94	31	of	of	ADP
esutjss-252	94	32	fire	fire	NOUN
esutjss-252	94	33	insurers	insurer	NOUN
esutjss-252	94	34	in	in	ADP
esutjss-252	94	35	nigeria	nigeria	PROPN
esutjss-252	94	36	.	.	PUNCT
esutjss-252	95	1	marais	marais	PROPN
esutjss-252	95	2	,	,	PUNCT
esutjss-252	95	3	(	(	PUNCT
esutjss-252	95	4	2022	2022	NUM
esutjss-252	95	5	)	)	PUNCT
esutjss-252	95	6	assert	assert	VERB
esutjss-252	95	7	that	that	SCONJ
esutjss-252	95	8	fire	fire	NOUN
esutjss-252	95	9	insurance	insurance	NOUN
esutjss-252	95	10	,	,	PUNCT
esutjss-252	95	11	as	as	ADP
esutjss-252	95	12	a	a	DET
esutjss-252	95	13	subset	subset	NOUN
esutjss-252	95	14	of	of	ADP
esutjss-252	95	15	property	property	NOUN
esutjss-252	95	16	-	-	PUNCT
esutjss-252	95	17	liability	liability	NOUN
esutjss-252	95	18	insurance	insurance	NOUN
esutjss-252	95	19	,	,	PUNCT
esutjss-252	95	20	relies	rely	VERB
esutjss-252	95	21	on	on	ADP
esutjss-252	95	22	accurate	accurate	ADJ
esutjss-252	95	23	pricing	pricing	NOUN
esutjss-252	95	24	models	model	NOUN
esutjss-252	95	25	.	.	PUNCT
esutjss-252	96	1	these	these	DET
esutjss-252	96	2	220	220	NUM
esutjss-252	96	3	models	model	NOUN
esutjss-252	96	4	consider	consider	VERB
esutjss-252	96	5	fire	fire	NOUN
esutjss-252	96	6	risk	risk	NOUN
esutjss-252	96	7	,	,	PUNCT
esutjss-252	96	8	underwriting	underwriting	NOUN
esutjss-252	96	9	practices	practice	NOUN
esutjss-252	96	10	,	,	PUNCT
esutjss-252	96	11	and	and	CCONJ
esutjss-252	96	12	investment	investment	NOUN
esutjss-252	96	13	income	income	NOUN
esutjss-252	96	14	.	.	PUNCT
esutjss-252	97	1	however	however	ADV
esutjss-252	97	2	,	,	PUNCT
esutjss-252	97	3	trivedi	trivedi	PROPN
esutjss-252	97	4	,	,	PUNCT
esutjss-252	97	5	(	(	PUNCT
esutjss-252	97	6	2022	2022	NUM
esutjss-252	97	7	)	)	PUNCT
esutjss-252	97	8	suggest	suggest	VERB
esutjss-252	97	9	that	that	SCONJ
esutjss-252	97	10	understanding	understand	VERB
esutjss-252	97	11	the	the	DET
esutjss-252	97	12	interplay	interplay	NOUN
esutjss-252	97	13	between	between	ADP
esutjss-252	97	14	risk	risk	NOUN
esutjss-252	97	15	assessment	assessment	NOUN
esutjss-252	97	16	and	and	CCONJ
esutjss-252	97	17	investment	investment	NOUN
esutjss-252	97	18	returns	return	NOUN
esutjss-252	97	19	,	,	PUNCT
esutjss-252	97	20	insurers	insurer	NOUN
esutjss-252	97	21	can	can	AUX
esutjss-252	97	22	set	set	VERB
esutjss-252	97	23	appropriate	appropriate	ADJ
esutjss-252	97	24	premiums	premium	NOUN
esutjss-252	97	25	for	for	ADP
esutjss-252	97	26	fire	fire	NOUN
esutjss-252	97	27	coverage	coverage	NOUN
esutjss-252	97	28	.	.	PUNCT
esutjss-252	98	1	the	the	DET
esutjss-252	98	2	performance	performance	NOUN
esutjss-252	98	3	of	of	ADP
esutjss-252	98	4	fire	fire	NOUN
esutjss-252	98	5	insurers	insurer	NOUN
esutjss-252	98	6	during	during	ADP
esutjss-252	98	7	the	the	DET
esutjss-252	98	8	pre	pre	ADJ
esutjss-252	98	9	-	-	ADJ
esutjss-252	98	10	covid	covid	ADJ
esutjss-252	98	11	era	era	NOUN
esutjss-252	98	12	depends	depend	VERB
esutjss-252	98	13	on	on	ADP
esutjss-252	98	14	effective	effective	ADJ
esutjss-252	98	15	pricing	pricing	NOUN
esutjss-252	98	16	strategies	strategy	NOUN
esutjss-252	98	17	.	.	PUNCT
esutjss-252	99	1	more	more	ADV
esutjss-252	99	2	so	so	ADV
esutjss-252	99	3	,	,	PUNCT
esutjss-252	99	4	the	the	DET
esutjss-252	99	5	models	model	NOUN
esutjss-252	99	6	integrate	integrate	VERB
esutjss-252	99	7	underwriting	underwriting	NOUN
esutjss-252	99	8	and	and	CCONJ
esutjss-252	99	9	investment	investment	NOUN
esutjss-252	99	10	aspects	aspect	NOUN
esutjss-252	99	11	that	that	PRON
esutjss-252	99	12	help	help	VERB
esutjss-252	99	13	insurers	insurer	NOUN
esutjss-252	99	14	maintain	maintain	VERB
esutjss-252	99	15	profitability	profitability	NOUN
esutjss-252	99	16	.	.	PUNCT
esutjss-252	100	1	also	also	ADV
esutjss-252	100	2	,	,	PUNCT
esutjss-252	100	3	lessons	lesson	NOUN
esutjss-252	100	4	from	from	ADP
esutjss-252	100	5	these	these	DET
esutjss-252	100	6	models	model	NOUN
esutjss-252	100	7	guide	guide	VERB
esutjss-252	100	8	insurers	insurer	NOUN
esutjss-252	100	9	in	in	ADP
esutjss-252	100	10	sustaining	sustain	VERB
esutjss-252	100	11	financial	financial	ADJ
esutjss-252	100	12	health	health	NOUN
esutjss-252	100	13	and	and	CCONJ
esutjss-252	100	14	providing	provide	VERB
esutjss-252	100	15	reliable	reliable	ADJ
esutjss-252	100	16	fire	fire	NOUN
esutjss-252	100	17	insurance	insurance	NOUN
esutjss-252	100	18	services	service	NOUN
esutjss-252	100	19	.	.	PUNCT
esutjss-252	101	1	principal	principal	ADJ
esutjss-252	101	2	-	-	PUNCT
esutjss-252	101	3	agent	agent	NOUN
esutjss-252	101	4	theory	theory	NOUN
esutjss-252	101	5	the	the	DET
esutjss-252	101	6	principal	principal	ADJ
esutjss-252	101	7	-	-	PUNCT
esutjss-252	101	8	agent	agent	NOUN
esutjss-252	101	9	theory	theory	NOUN
esutjss-252	101	10	,	,	PUNCT
esutjss-252	101	11	propounded	propound	VERB
esutjss-252	101	12	by	by	ADP
esutjss-252	101	13	cheffins	cheffin	NOUN
esutjss-252	101	14	,	,	PUNCT
esutjss-252	101	15	and	and	CCONJ
esutjss-252	101	16	reddy	reddy	PROPN
esutjss-252	101	17	,	,	PUNCT
esutjss-252	101	18	(	(	PUNCT
esutjss-252	101	19	2023	2023	NUM
esutjss-252	101	20	)	)	PUNCT
esutjss-252	101	21	,	,	PUNCT
esutjss-252	101	22	explores	explore	VERB
esutjss-252	101	23	the	the	DET
esutjss-252	101	24	relationship	relationship	NOUN
esutjss-252	101	25	between	between	ADP
esutjss-252	101	26	a	a	DET
esutjss-252	101	27	principal	principal	NOUN
esutjss-252	101	28	who	who	PRON
esutjss-252	101	29	delegates	delegate	NOUN
esutjss-252	101	30	work	work	VERB
esutjss-252	101	31	to	to	ADP
esutjss-252	101	32	an	an	DET
esutjss-252	101	33	agent	agent	NOUN
esutjss-252	101	34	to	to	PART
esutjss-252	101	35	act	act	VERB
esutjss-252	101	36	on	on	ADP
esutjss-252	101	37	their	their	PRON
esutjss-252	101	38	behalf	behalf	NOUN
esutjss-252	101	39	.	.	PUNCT
esutjss-252	102	1	this	this	DET
esutjss-252	102	2	theory	theory	NOUN
esutjss-252	102	3	delves	delve	VERB
esutjss-252	102	4	into	into	ADP
esutjss-252	102	5	the	the	DET
esutjss-252	102	6	challenges	challenge	NOUN
esutjss-252	102	7	that	that	PRON
esutjss-252	102	8	arise	arise	VERB
esutjss-252	102	9	when	when	SCONJ
esutjss-252	102	10	the	the	DET
esutjss-252	102	11	goals	goal	NOUN
esutjss-252	102	12	of	of	ADP
esutjss-252	102	13	the	the	DET
esutjss-252	102	14	principal	principal	NOUN
esutjss-252	102	15	and	and	CCONJ
esutjss-252	102	16	agent	agent	NOUN
esutjss-252	102	17	may	may	AUX
esutjss-252	102	18	not	not	PART
esutjss-252	102	19	align	align	VERB
esutjss-252	102	20	perfectly	perfectly	ADV
esutjss-252	102	21	.	.	PUNCT
esutjss-252	103	1	the	the	DET
esutjss-252	103	2	principal	principal	NOUN
esutjss-252	103	3	seeks	seek	VERB
esutjss-252	103	4	to	to	PART
esutjss-252	103	5	ensure	ensure	VERB
esutjss-252	103	6	that	that	SCONJ
esutjss-252	103	7	the	the	DET
esutjss-252	103	8	agent	agent	NOUN
esutjss-252	103	9	acts	act	VERB
esutjss-252	103	10	in	in	ADP
esutjss-252	103	11	their	their	PRON
esutjss-252	103	12	best	good	ADJ
esutjss-252	103	13	interest	interest	NOUN
esutjss-252	103	14	,	,	PUNCT
esutjss-252	103	15	but	but	CCONJ
esutjss-252	103	16	due	due	ADP
esutjss-252	103	17	to	to	ADP
esutjss-252	103	18	information	information	NOUN
esutjss-252	103	19	asymmetry	asymmetry	NOUN
esutjss-252	103	20	and	and	CCONJ
esutjss-252	103	21	differing	differ	VERB
esutjss-252	103	22	incentives	incentive	NOUN
esutjss-252	103	23	,	,	PUNCT
esutjss-252	103	24	the	the	DET
esutjss-252	103	25	agent	agent	NOUN
esutjss-252	103	26	may	may	AUX
esutjss-252	103	27	prioritize	prioritize	VERB
esutjss-252	103	28	their	their	PRON
esutjss-252	103	29	own	own	ADJ
esutjss-252	103	30	interests	interest	NOUN
esutjss-252	103	31	.	.	PUNCT
esutjss-252	104	1	this	this	DET
esutjss-252	104	2	theory	theory	NOUN
esutjss-252	104	3	is	be	AUX
esutjss-252	104	4	widely	widely	ADV
esutjss-252	104	5	applied	apply	VERB
esutjss-252	104	6	in	in	ADP
esutjss-252	104	7	various	various	ADJ
esutjss-252	104	8	fields	field	NOUN
esutjss-252	104	9	,	,	PUNCT
esutjss-252	104	10	including	include	VERB
esutjss-252	104	11	economics	economic	NOUN
esutjss-252	104	12	,	,	PUNCT
esutjss-252	104	13	management	management	NOUN
esutjss-252	104	14	,	,	PUNCT
esutjss-252	104	15	and	and	CCONJ
esutjss-252	104	16	insurance	insurance	NOUN
esutjss-252	104	17	,	,	PUNCT
esutjss-252	104	18	to	to	PART
esutjss-252	104	19	understand	understand	VERB
esutjss-252	104	20	issues	issue	NOUN
esutjss-252	104	21	such	such	ADJ
esutjss-252	104	22	as	as	ADP
esutjss-252	104	23	moral	moral	ADJ
esutjss-252	104	24	hazard	hazard	NOUN
esutjss-252	104	25	and	and	CCONJ
esutjss-252	104	26	adverse	adverse	ADJ
esutjss-252	104	27	selection	selection	NOUN
esutjss-252	104	28	.	.	PUNCT
esutjss-252	105	1	moreover	moreover	ADV
esutjss-252	105	2	,	,	PUNCT
esutjss-252	105	3	principal	principal	ADJ
esutjss-252	105	4	-	-	PUNCT
esutjss-252	105	5	agent	agent	NOUN
esutjss-252	105	6	theory	theory	NOUN
esutjss-252	105	7	focuses	focus	VERB
esutjss-252	105	8	on	on	ADP
esutjss-252	105	9	the	the	DET
esutjss-252	105	10	relationship	relationship	NOUN
esutjss-252	105	11	between	between	ADP
esutjss-252	105	12	insurers	insurer	NOUN
esutjss-252	105	13	(	(	PUNCT
esutjss-252	105	14	principals	principal	NOUN
esutjss-252	105	15	)	)	PUNCT
esutjss-252	105	16	and	and	CCONJ
esutjss-252	105	17	policyholders	policyholder	NOUN
esutjss-252	105	18	(	(	PUNCT
esutjss-252	105	19	agents	agent	NOUN
esutjss-252	105	20	)	)	PUNCT
esutjss-252	105	21	.	.	PUNCT
esutjss-252	106	1	in	in	ADP
esutjss-252	106	2	this	this	DET
esutjss-252	106	3	context	context	NOUN
esutjss-252	106	4	,	,	PUNCT
esutjss-252	106	5	insurers	insurer	NOUN
esutjss-252	106	6	may	may	AUX
esutjss-252	106	7	face	face	VERB
esutjss-252	106	8	challenges	challenge	NOUN
esutjss-252	106	9	in	in	ADP
esutjss-252	106	10	monitoring	monitor	VERB
esutjss-252	106	11	and	and	CCONJ
esutjss-252	106	12	controlling	control	VERB
esutjss-252	106	13	policyholders	policyholder	NOUN
esutjss-252	106	14	'	'	PART
esutjss-252	106	15	behavior	behavior	NOUN
esutjss-252	106	16	,	,	PUNCT
esutjss-252	106	17	leading	lead	VERB
esutjss-252	106	18	to	to	ADP
esutjss-252	106	19	issues	issue	NOUN
esutjss-252	106	20	such	such	ADJ
esutjss-252	106	21	as	as	ADP
esutjss-252	106	22	moral	moral	ADJ
esutjss-252	106	23	hazard	hazard	NOUN
esutjss-252	106	24	where	where	SCONJ
esutjss-252	106	25	policyholders	policyholder	NOUN
esutjss-252	106	26	may	may	AUX
esutjss-252	106	27	take	take	VERB
esutjss-252	106	28	risks	risk	NOUN
esutjss-252	106	29	knowing	know	VERB
esutjss-252	106	30	they	they	PRON
esutjss-252	106	31	are	be	AUX
esutjss-252	106	32	insured	insure	VERB
esutjss-252	106	33	.	.	PUNCT
esutjss-252	107	1	b.	b.	PROPN
esutjss-252	107	2	application	application	NOUN
esutjss-252	107	3	of	of	ADP
esutjss-252	107	4	principal	principal	ADJ
esutjss-252	107	5	-	-	PUNCT
esutjss-252	107	6	agent	agent	NOUN
esutjss-252	107	7	theory	theory	NOUN
esutjss-252	107	8	to	to	ADP
esutjss-252	107	9	the	the	DET
esutjss-252	107	10	study	study	NOUN
esutjss-252	107	11	applying	apply	VERB
esutjss-252	107	12	the	the	DET
esutjss-252	107	13	principal	principal	ADJ
esutjss-252	107	14	-	-	PUNCT
esutjss-252	107	15	agent	agent	NOUN
esutjss-252	107	16	theory	theory	NOUN
esutjss-252	107	17	to	to	ADP
esutjss-252	107	18	the	the	DET
esutjss-252	107	19	analysis	analysis	NOUN
esutjss-252	107	20	of	of	ADP
esutjss-252	107	21	fire	fire	NOUN
esutjss-252	107	22	insurance	insurance	NOUN
esutjss-252	107	23	rating	rating	NOUN
esutjss-252	107	24	and	and	CCONJ
esutjss-252	107	25	the	the	DET
esutjss-252	107	26	performance	performance	NOUN
esutjss-252	107	27	of	of	ADP
esutjss-252	107	28	fire	fire	NOUN
esutjss-252	107	29	insurers	insurer	NOUN
esutjss-252	107	30	in	in	ADP
esutjss-252	107	31	nigeria	nigeria	PROPN
esutjss-252	107	32	's	's	PART
esutjss-252	107	33	pre	pre	ADJ
esutjss-252	107	34	-	-	ADJ
esutjss-252	107	35	covid	covid	ADJ
esutjss-252	107	36	era	era	NOUN
esutjss-252	107	37	market	market	NOUN
esutjss-252	107	38	reveals	reveal	VERB
esutjss-252	107	39	insightful	insightful	ADJ
esutjss-252	107	40	perspectives	perspective	NOUN
esutjss-252	107	41	.	.	PUNCT
esutjss-252	108	1	in	in	ADP
esutjss-252	108	2	this	this	DET
esutjss-252	108	3	context	context	NOUN
esutjss-252	108	4	,	,	PUNCT
esutjss-252	108	5	insurers	insurer	NOUN
esutjss-252	108	6	act	act	VERB
esutjss-252	108	7	as	as	ADP
esutjss-252	108	8	principals	principal	NOUN
esutjss-252	108	9	delegating	delegate	VERB
esutjss-252	108	10	the	the	DET
esutjss-252	108	11	task	task	NOUN
esutjss-252	108	12	of	of	ADP
esutjss-252	108	13	risk	risk	NOUN
esutjss-252	108	14	assessment	assessment	NOUN
esutjss-252	108	15	and	and	CCONJ
esutjss-252	108	16	policyholder	policyholder	NOUN
esutjss-252	108	17	management	management	NOUN
esutjss-252	108	18	to	to	ADP
esutjss-252	108	19	agents	agent	NOUN
esutjss-252	108	20	,	,	PUNCT
esutjss-252	108	21	such	such	ADJ
esutjss-252	108	22	as	as	ADP
esutjss-252	108	23	underwriters	underwriter	NOUN
esutjss-252	108	24	and	and	CCONJ
esutjss-252	108	25	claims	claim	NOUN
esutjss-252	108	26	adjusters	adjuster	NOUN
esutjss-252	108	27	.	.	PUNCT
esutjss-252	109	1	the	the	DET
esutjss-252	109	2	theory	theory	NOUN
esutjss-252	109	3	highlights	highlight	VERB
esutjss-252	109	4	the	the	DET
esutjss-252	109	5	inherent	inherent	ADJ
esutjss-252	109	6	challenges	challenge	NOUN
esutjss-252	109	7	stemming	stem	VERB
esutjss-252	109	8	from	from	ADP
esutjss-252	109	9	information	information	NOUN
esutjss-252	109	10	asymmetry	asymmetry	NOUN
esutjss-252	109	11	and	and	CCONJ
esutjss-252	109	12	differing	differ	VERB
esutjss-252	109	13	incentives	incentive	NOUN
esutjss-252	109	14	between	between	ADP
esutjss-252	109	15	insurers	insurer	NOUN
esutjss-252	109	16	and	and	CCONJ
esutjss-252	109	17	policyholders	policyholder	NOUN
esutjss-252	109	18	.	.	PUNCT
esutjss-252	110	1	insurers	insurer	NOUN
esutjss-252	110	2	must	must	AUX
esutjss-252	110	3	ensure	ensure	VERB
esutjss-252	110	4	that	that	SCONJ
esutjss-252	110	5	agents	agent	NOUN
esutjss-252	110	6	act	act	VERB
esutjss-252	110	7	in	in	ADP
esutjss-252	110	8	the	the	DET
esutjss-252	110	9	best	good	ADJ
esutjss-252	110	10	interest	interest	NOUN
esutjss-252	110	11	of	of	ADP
esutjss-252	110	12	the	the	DET
esutjss-252	110	13	company	company	NOUN
esutjss-252	110	14	by	by	ADP
esutjss-252	110	15	accurately	accurately	ADV
esutjss-252	110	16	assessing	assess	VERB
esutjss-252	110	17	risks	risk	NOUN
esutjss-252	110	18	,	,	PUNCT
esutjss-252	110	19	setting	set	VERB
esutjss-252	110	20	appropriate	appropriate	ADJ
esutjss-252	110	21	premiums	premium	NOUN
esutjss-252	110	22	,	,	PUNCT
esutjss-252	110	23	and	and	CCONJ
esutjss-252	110	24	promptly	promptly	ADV
esutjss-252	110	25	processing	process	VERB
esutjss-252	110	26	claims	claim	NOUN
esutjss-252	110	27	.	.	PUNCT
esutjss-252	111	1	however	however	ADV
esutjss-252	111	2	,	,	PUNCT
esutjss-252	111	3	issues	issue	NOUN
esutjss-252	111	4	such	such	ADJ
esutjss-252	111	5	as	as	ADP
esutjss-252	111	6	moral	moral	ADJ
esutjss-252	111	7	hazard	hazard	NOUN
esutjss-252	111	8	,	,	PUNCT
esutjss-252	111	9	where	where	SCONJ
esutjss-252	111	10	agents	agent	NOUN
esutjss-252	111	11	may	may	AUX
esutjss-252	111	12	prioritize	prioritize	VERB
esutjss-252	111	13	personal	personal	ADJ
esutjss-252	111	14	gain	gain	NOUN
esutjss-252	111	15	over	over	ADP
esutjss-252	111	16	the	the	DET
esutjss-252	111	17	insurer	insurer	NOUN
esutjss-252	111	18	's	's	PART
esutjss-252	111	19	interests	interest	NOUN
esutjss-252	111	20	,	,	PUNCT
esutjss-252	111	21	can	can	AUX
esutjss-252	111	22	impact	impact	VERB
esutjss-252	111	23	the	the	DET
esutjss-252	111	24	overall	overall	ADJ
esutjss-252	111	25	performance	performance	NOUN
esutjss-252	111	26	of	of	ADP
esutjss-252	111	27	fire	fire	NOUN
esutjss-252	111	28	insurers	insurer	NOUN
esutjss-252	111	29	in	in	ADP
esutjss-252	111	30	nigeria	nigeria	PROPN
esutjss-252	111	31	's	's	PART
esutjss-252	111	32	market	market	NOUN
esutjss-252	111	33	.	.	PUNCT
esutjss-252	112	1	more	more	ADV
esutjss-252	112	2	so	so	ADV
esutjss-252	112	3	,	,	PUNCT
esutjss-252	112	4	applying	apply	VERB
esutjss-252	112	5	this	this	DET
esutjss-252	112	6	theory	theory	NOUN
esutjss-252	112	7	to	to	ADP
esutjss-252	112	8	the	the	DET
esutjss-252	112	9	nigerian	nigerian	ADJ
esutjss-252	112	10	market	market	NOUN
esutjss-252	112	11	,	,	PUNCT
esutjss-252	112	12	insurers	insurer	NOUN
esutjss-252	112	13	may	may	AUX
esutjss-252	112	14	struggle	struggle	VERB
esutjss-252	112	15	with	with	ADP
esutjss-252	112	16	assessing	assess	VERB
esutjss-252	112	17	and	and	CCONJ
esutjss-252	112	18	managing	manage	VERB
esutjss-252	112	19	risks	risk	NOUN
esutjss-252	112	20	effectively	effectively	ADV
esutjss-252	112	21	,	,	PUNCT
esutjss-252	112	22	impacting	impact	VERB
esutjss-252	112	23	their	their	PRON
esutjss-252	112	24	performance	performance	NOUN
esutjss-252	112	25	and	and	CCONJ
esutjss-252	112	26	the	the	DET
esutjss-252	112	27	overall	overall	ADJ
esutjss-252	112	28	fire	fire	NOUN
esutjss-252	112	29	insurance	insurance	NOUN
esutjss-252	112	30	rating	rating	NOUN
esutjss-252	112	31	system	system	NOUN
esutjss-252	112	32	.	.	PUNCT
esutjss-252	113	1	the	the	DET
esutjss-252	113	2	efficient	efficient	ADJ
esutjss-252	113	3	market	market	NOUN
esutjss-252	113	4	hypothesis	hypothesis	NOUN
esutjss-252	113	5	the	the	DET
esutjss-252	113	6	efficient	efficient	ADJ
esutjss-252	113	7	market	market	NOUN
esutjss-252	113	8	hypothesis	hypothesis	NOUN
esutjss-252	113	9	(	(	PUNCT
esutjss-252	113	10	emh	emh	PROPN
esutjss-252	113	11	)	)	PUNCT
esutjss-252	113	12	is	be	AUX
esutjss-252	113	13	an	an	DET
esutjss-252	113	14	investment	investment	NOUN
esutjss-252	113	15	theory	theory	NOUN
esutjss-252	113	16	that	that	PRON
esutjss-252	113	17	suggests	suggest	VERB
esutjss-252	113	18	stock	stock	NOUN
esutjss-252	113	19	prices	price	NOUN
esutjss-252	113	20	reflect	reflect	VERB
esutjss-252	113	21	all	all	DET
esutjss-252	113	22	available	available	ADJ
esutjss-252	113	23	information	information	NOUN
esutjss-252	113	24	,	,	PUNCT
esutjss-252	113	25	making	make	VERB
esutjss-252	113	26	it	it	PRON
esutjss-252	113	27	difficult	difficult	ADJ
esutjss-252	113	28	for	for	SCONJ
esutjss-252	113	29	investors	investor	NOUN
esutjss-252	113	30	to	to	PART
esutjss-252	113	31	consistently	consistently	ADV
esutjss-252	113	32	outperform	outperform	VERB
esutjss-252	113	33	the	the	DET
esutjss-252	113	34	market	market	NOUN
esutjss-252	113	35	through	through	ADP
esutjss-252	113	36	skill	skill	NOUN
esutjss-252	113	37	alone	alone	ADV
esutjss-252	113	38	.	.	PUNCT
esutjss-252	114	1	the	the	DET
esutjss-252	114	2	theory	theory	NOUN
esutjss-252	114	3	was	be	AUX
esutjss-252	114	4	primarily	primarily	ADV
esutjss-252	114	5	derived	derive	VERB
esutjss-252	114	6	from	from	ADP
esutjss-252	114	7	the	the	DET
esutjss-252	114	8	work	work	NOUN
esutjss-252	114	9	of	of	ADP
esutjss-252	114	10	eugene	eugene	PROPN
esutjss-252	114	11	fama	fama	PROPN
esutjss-252	114	12	in	in	ADP
esutjss-252	114	13	1970	1970	NUM
esutjss-252	114	14	,	,	PUNCT
esutjss-252	114	15	by	by	ADP
esutjss-252	114	16	abdullahi	abdullahi	PROPN
esutjss-252	114	17	,	,	PUNCT
esutjss-252	114	18	(	(	PUNCT
esutjss-252	114	19	2021	2021	NUM
esutjss-252	114	20	)	)	PUNCT
esutjss-252	114	21	who	who	PRON
esutjss-252	114	22	argued	argue	VERB
esutjss-252	114	23	that	that	SCONJ
esutjss-252	114	24	stock	stock	NOUN
esutjss-252	114	25	prices	price	NOUN
esutjss-252	114	26	always	always	ADV
esutjss-252	114	27	trade	trade	VERB
esutjss-252	114	28	at	at	ADP
esutjss-252	114	29	their	their	PRON
esutjss-252	114	30	fair	fair	ADJ
esutjss-252	114	31	market	market	NOUN
esutjss-252	114	32	value	value	NOUN
esutjss-252	114	33	,	,	PUNCT
esutjss-252	114	34	making	make	VERB
esutjss-252	114	35	it	it	PRON
esutjss-252	114	36	highly	highly	ADV
esutjss-252	114	37	unlikely	unlikely	ADJ
esutjss-252	114	38	for	for	SCONJ
esutjss-252	114	39	investors	investor	NOUN
esutjss-252	114	40	to	to	PART
esutjss-252	114	41	achieve	achieve	VERB
esutjss-252	114	42	returns	return	NOUN
esutjss-252	114	43	that	that	PRON
esutjss-252	114	44	exceed	exceed	VERB
esutjss-252	114	45	the	the	DET
esutjss-252	114	46	market	market	NOUN
esutjss-252	114	47	average	average	NOUN
esutjss-252	114	48	.	.	PUNCT
esutjss-252	115	1	the	the	DET
esutjss-252	115	2	emh	emh	PROPN
esutjss-252	115	3	is	be	AUX
esutjss-252	115	4	available	available	ADJ
esutjss-252	115	5	in	in	ADP
esutjss-252	115	6	three	three	NUM
esutjss-252	115	7	different	different	ADJ
esutjss-252	115	8	versions	version	NOUN
esutjss-252	115	9	:	:	PUNCT
esutjss-252	115	10	weak	weak	ADJ
esutjss-252	115	11	,	,	PUNCT
esutjss-252	115	12	semi	semi	ADJ
esutjss-252	115	13	-	-	ADJ
esutjss-252	115	14	strong	strong	ADJ
esutjss-252	115	15	,	,	PUNCT
esutjss-252	115	16	and	and	CCONJ
esutjss-252	115	17	strong	strong	ADJ
esutjss-252	115	18	.	.	PUNCT
esutjss-252	116	1	the	the	DET
esutjss-252	116	2	weak	weak	ADJ
esutjss-252	116	3	form	form	NOUN
esutjss-252	116	4	of	of	ADP
esutjss-252	116	5	the	the	DET
esutjss-252	116	6	theory	theory	NOUN
esutjss-252	116	7	assumes	assume	VERB
esutjss-252	116	8	that	that	SCONJ
esutjss-252	116	9	stock	stock	NOUN
esutjss-252	116	10	prices	price	NOUN
esutjss-252	116	11	reflect	reflect	VERB
esutjss-252	116	12	all	all	DET
esutjss-252	116	13	available	available	ADJ
esutjss-252	116	14	public	public	ADJ
esutjss-252	116	15	market	market	NOUN
esutjss-252	116	16	information	information	NOUN
esutjss-252	116	17	,	,	PUNCT
esutjss-252	116	18	but	but	CCONJ
esutjss-252	116	19	prices	price	NOUN
esutjss-252	116	20	may	may	AUX
esutjss-252	116	21	not	not	PART
esutjss-252	116	22	reflect	reflect	VERB
esutjss-252	116	23	new	new	ADJ
esutjss-252	116	24	information	information	NOUN
esutjss-252	116	25	that	that	PRON
esutjss-252	116	26	has	have	AUX
esutjss-252	116	27	n't	not	PART
esutjss-252	116	28	been	be	AUX
esutjss-252	116	29	fully	fully	ADV
esutjss-252	116	30	incorporated	incorporate	VERB
esutjss-252	116	31	yet	yet	ADV
esutjss-252	116	32	.	.	PUNCT
esutjss-252	117	1	the	the	DET
esutjss-252	117	2	semi	semi	ADJ
esutjss-252	117	3	-	-	ADJ
esutjss-252	117	4	strong	strong	ADJ
esutjss-252	117	5	form	form	NOUN
esutjss-252	117	6	expands	expand	VERB
esutjss-252	117	7	on	on	ADP
esutjss-252	117	8	the	the	DET
esutjss-252	117	9	weak	weak	ADJ
esutjss-252	117	10	form	form	NOUN
esutjss-252	117	11	by	by	ADP
esutjss-252	117	12	assuming	assume	VERB
esutjss-252	117	13	that	that	SCONJ
esutjss-252	117	14	prices	price	NOUN
esutjss-252	117	15	adjust	adjust	VERB
esutjss-252	117	16	instantly	instantly	ADV
esutjss-252	117	17	to	to	PART
esutjss-252	117	18	reflect	reflect	VERB
esutjss-252	117	19	all	all	DET
esutjss-252	117	20	new	new	ADJ
esutjss-252	117	21	public	public	ADJ
esutjss-252	117	22	information	information	NOUN
esutjss-252	117	23	,	,	PUNCT
esutjss-252	117	24	rendering	render	VERB
esutjss-252	117	25	both	both	CCONJ
esutjss-252	117	26	technical	technical	ADJ
esutjss-252	117	27	and	and	CCONJ
esutjss-252	117	28	fundamental	fundamental	ADJ
esutjss-252	117	29	analysis	analysis	NOUN
esutjss-252	117	30	incapable	incapable	ADJ
esutjss-252	117	31	of	of	ADP
esutjss-252	117	32	generating	generate	VERB
esutjss-252	117	33	excess	excess	ADJ
esutjss-252	117	34	returns	return	NOUN
esutjss-252	117	35	.	.	PUNCT
esutjss-252	118	1	the	the	DET
esutjss-252	118	2	strong	strong	ADJ
esutjss-252	118	3	form	form	NOUN
esutjss-252	118	4	of	of	ADP
esutjss-252	118	5	the	the	DET
esutjss-252	118	6	emh	emh	PROPN
esutjss-252	118	7	holds	hold	VERB
esutjss-252	118	8	that	that	SCONJ
esutjss-252	118	9	all	all	DET
esutjss-252	118	10	information	information	NOUN
esutjss-252	118	11	,	,	PUNCT
esutjss-252	118	12	both	both	CCONJ
esutjss-252	118	13	public	public	ADJ
esutjss-252	118	14	and	and	CCONJ
esutjss-252	118	15	private	private	ADJ
esutjss-252	118	16	,	,	PUNCT
esutjss-252	118	17	is	be	AUX
esutjss-252	118	18	reflected	reflect	VERB
esutjss-252	118	19	in	in	ADP
esutjss-252	118	20	current	current	ADJ
esutjss-252	118	21	stock	stock	NOUN
esutjss-252	118	22	prices	price	NOUN
esutjss-252	118	23	,	,	PUNCT
esutjss-252	118	24	making	make	VERB
esutjss-252	118	25	it	it	PRON
esutjss-252	118	26	impossible	impossible	ADJ
esutjss-252	118	27	for	for	SCONJ
esutjss-252	118	28	investors	investor	NOUN
esutjss-252	118	29	to	to	PART
esutjss-252	118	30	gain	gain	VERB
esutjss-252	118	31	an	an	DET
esutjss-252	118	32	advantage	advantage	NOUN
esutjss-252	118	33	based	base	VERB
esutjss-252	118	34	on	on	ADP
esutjss-252	118	35	information	information	NOUN
esutjss-252	118	36	that	that	PRON
esutjss-252	118	37	is	be	AUX
esutjss-252	118	38	not	not	PART
esutjss-252	118	39	publicly	publicly	ADV
esutjss-252	118	40	available	available	ADJ
esutjss-252	118	41	.	.	PUNCT
esutjss-252	119	1	the	the	DET
esutjss-252	119	2	efficient	efficient	ADJ
esutjss-252	119	3	market	market	NOUN
esutjss-252	119	4	hypothesis	hypothesis	NOUN
esutjss-252	119	5	has	have	AUX
esutjss-252	119	6	been	be	AUX
esutjss-252	119	7	subject	subject	ADJ
esutjss-252	119	8	to	to	ADP
esutjss-252	119	9	criticism	criticism	NOUN
esutjss-252	119	10	,	,	PUNCT
esutjss-252	119	11	with	with	ADP
esutjss-252	119	12	many	many	ADJ
esutjss-252	119	13	practitioners	practitioner	NOUN
esutjss-252	119	14	arguing	argue	VERB
esutjss-252	119	15	that	that	SCONJ
esutjss-252	119	16	the	the	DET
esutjss-252	119	17	theory	theory	NOUN
esutjss-252	119	18	does	do	AUX
esutjss-252	119	19	not	not	PART
esutjss-252	119	20	hold	hold	VERB
esutjss-252	119	21	in	in	ADP
esutjss-252	119	22	reality	reality	NOUN
esutjss-252	119	23	,	,	PUNCT
esutjss-252	119	24	especially	especially	ADV
esutjss-252	119	25	in	in	ADP
esutjss-252	119	26	the	the	DET
esutjss-252	119	27	weak	weak	ADJ
esutjss-252	119	28	form	form	NOUN
esutjss-252	119	29	.	.	PUNCT
esutjss-252	120	1	221	221	NUM
esutjss-252	120	2	despite	despite	SCONJ
esutjss-252	120	3	its	its	PRON
esutjss-252	120	4	controversy	controversy	NOUN
esutjss-252	121	1	,	,	PUNCT
esutjss-252	121	2	the	the	DET
esutjss-252	121	3	emh	emh	NOUN
esutjss-252	121	4	remains	remain	VERB
esutjss-252	121	5	an	an	DET
esutjss-252	121	6	important	important	ADJ
esutjss-252	121	7	pillar	pillar	NOUN
esutjss-252	121	8	of	of	ADP
esutjss-252	121	9	modern	modern	ADJ
esutjss-252	121	10	financial	financial	ADJ
esutjss-252	121	11	theories	theory	NOUN
esutjss-252	121	12	and	and	CCONJ
esutjss-252	121	13	has	have	VERB
esutjss-252	121	14	a	a	DET
esutjss-252	121	15	significant	significant	ADJ
esutjss-252	121	16	backing	backing	NOUN
esutjss-252	121	17	in	in	ADP
esutjss-252	121	18	the	the	DET
esutjss-252	121	19	academic	academic	ADJ
esutjss-252	121	20	community	community	NOUN
esutjss-252	121	21	.	.	PUNCT
esutjss-252	122	1	also	also	ADV
esutjss-252	122	2	,	,	PUNCT
esutjss-252	122	3	the	the	DET
esutjss-252	122	4	efficient	efficient	ADJ
esutjss-252	122	5	market	market	NOUN
esutjss-252	122	6	hypothesis	hypothesis	NOUN
esutjss-252	122	7	suggests	suggest	VERB
esutjss-252	122	8	that	that	SCONJ
esutjss-252	122	9	financial	financial	ADJ
esutjss-252	122	10	markets	market	NOUN
esutjss-252	122	11	reflect	reflect	VERB
esutjss-252	122	12	all	all	DET
esutjss-252	122	13	available	available	ADJ
esutjss-252	122	14	information	information	NOUN
esutjss-252	122	15	,	,	PUNCT
esutjss-252	122	16	making	make	VERB
esutjss-252	122	17	it	it	PRON
esutjss-252	122	18	difficult	difficult	ADJ
esutjss-252	122	19	for	for	SCONJ
esutjss-252	122	20	investors	investor	NOUN
esutjss-252	122	21	or	or	CCONJ
esutjss-252	122	22	insurers	insurer	NOUN
esutjss-252	122	23	to	to	PART
esutjss-252	122	24	consistently	consistently	ADV
esutjss-252	122	25	outperform	outperform	VERB
esutjss-252	122	26	the	the	DET
esutjss-252	122	27	market	market	NOUN
esutjss-252	122	28	.	.	PUNCT
esutjss-252	123	1	c.	c.	NOUN
esutjss-252	123	2	application	application	NOUN
esutjss-252	123	3	of	of	ADP
esutjss-252	123	4	efficient	efficient	ADJ
esutjss-252	123	5	market	market	NOUN
esutjss-252	123	6	hypothesis	hypothesis	NOUN
esutjss-252	123	7	to	to	ADP
esutjss-252	123	8	the	the	DET
esutjss-252	123	9	study	study	NOUN
esutjss-252	123	10	applying	apply	VERB
esutjss-252	123	11	the	the	DET
esutjss-252	123	12	efficient	efficient	ADJ
esutjss-252	123	13	market	market	NOUN
esutjss-252	123	14	hypothesis	hypothesis	NOUN
esutjss-252	123	15	(	(	PUNCT
esutjss-252	123	16	emh	emh	PROPN
esutjss-252	123	17	)	)	PUNCT
esutjss-252	123	18	to	to	ADP
esutjss-252	123	19	the	the	DET
esutjss-252	123	20	analysis	analysis	NOUN
esutjss-252	123	21	of	of	ADP
esutjss-252	123	22	fire	fire	NOUN
esutjss-252	123	23	insurance	insurance	NOUN
esutjss-252	123	24	rating	rating	NOUN
esutjss-252	123	25	and	and	CCONJ
esutjss-252	123	26	the	the	DET
esutjss-252	123	27	performance	performance	NOUN
esutjss-252	123	28	of	of	ADP
esutjss-252	123	29	fire	fire	NOUN
esutjss-252	123	30	insurers	insurer	NOUN
esutjss-252	123	31	in	in	ADP
esutjss-252	123	32	nigeria	nigeria	PROPN
esutjss-252	123	33	's	's	PART
esutjss-252	123	34	pre	pre	ADJ
esutjss-252	123	35	-	-	ADJ
esutjss-252	123	36	covid	covid	ADJ
esutjss-252	123	37	era	era	NOUN
esutjss-252	123	38	market	market	NOUN
esutjss-252	123	39	provides	provide	VERB
esutjss-252	123	40	valuable	valuable	ADJ
esutjss-252	123	41	insights	insight	NOUN
esutjss-252	123	42	.	.	PUNCT
esutjss-252	124	1	in	in	ADP
esutjss-252	124	2	the	the	DET
esutjss-252	124	3	context	context	NOUN
esutjss-252	124	4	of	of	ADP
esutjss-252	124	5	fire	fire	NOUN
esutjss-252	124	6	insurance	insurance	NOUN
esutjss-252	124	7	,	,	PUNCT
esutjss-252	124	8	the	the	DET
esutjss-252	124	9	emh	emh	NOUN
esutjss-252	124	10	suggests	suggest	VERB
esutjss-252	124	11	that	that	SCONJ
esutjss-252	124	12	stock	stock	NOUN
esutjss-252	124	13	prices	price	NOUN
esutjss-252	124	14	,	,	PUNCT
esutjss-252	124	15	or	or	CCONJ
esutjss-252	124	16	in	in	ADP
esutjss-252	124	17	this	this	DET
esutjss-252	124	18	case	case	NOUN
esutjss-252	124	19	,	,	PUNCT
esutjss-252	124	20	insurance	insurance	NOUN
esutjss-252	124	21	premiums	premium	NOUN
esutjss-252	124	22	,	,	PUNCT
esutjss-252	124	23	reflect	reflect	VERB
esutjss-252	124	24	all	all	DET
esutjss-252	124	25	available	available	ADJ
esutjss-252	124	26	information	information	NOUN
esutjss-252	124	27	and	and	CCONJ
esutjss-252	124	28	adjust	adjust	VERB
esutjss-252	124	29	rapidly	rapidly	ADV
esutjss-252	124	30	to	to	ADP
esutjss-252	124	31	new	new	ADJ
esutjss-252	124	32	information	information	NOUN
esutjss-252	124	33	.	.	PUNCT
esutjss-252	125	1	this	this	PRON
esutjss-252	125	2	implies	imply	VERB
esutjss-252	125	3	that	that	SCONJ
esutjss-252	125	4	insurers	insurer	NOUN
esutjss-252	125	5	in	in	ADP
esutjss-252	125	6	nigeria	nigeria	PROPN
esutjss-252	125	7	's	's	PART
esutjss-252	125	8	market	market	NOUN
esutjss-252	125	9	would	would	AUX
esutjss-252	125	10	set	set	VERB
esutjss-252	125	11	premiums	premium	NOUN
esutjss-252	125	12	based	base	VERB
esutjss-252	125	13	on	on	ADP
esutjss-252	125	14	all	all	DET
esutjss-252	125	15	relevant	relevant	ADJ
esutjss-252	125	16	data	datum	NOUN
esutjss-252	125	17	and	and	CCONJ
esutjss-252	125	18	market	market	NOUN
esutjss-252	125	19	conditions	condition	NOUN
esutjss-252	125	20	,	,	PUNCT
esutjss-252	125	21	making	make	VERB
esutjss-252	125	22	it	it	PRON
esutjss-252	125	23	challenging	challenge	VERB
esutjss-252	125	24	for	for	SCONJ
esutjss-252	125	25	them	they	PRON
esutjss-252	125	26	to	to	PART
esutjss-252	125	27	consistently	consistently	ADV
esutjss-252	125	28	outperform	outperform	VERB
esutjss-252	125	29	the	the	DET
esutjss-252	125	30	market	market	NOUN
esutjss-252	125	31	through	through	ADP
esutjss-252	125	32	superior	superior	ADJ
esutjss-252	125	33	information	information	NOUN
esutjss-252	125	34	or	or	CCONJ
esutjss-252	125	35	analysis	analysis	NOUN
esutjss-252	125	36	.	.	PUNCT
esutjss-252	126	1	the	the	DET
esutjss-252	126	2	emh	emh	PROPN
esutjss-252	126	3	also	also	ADV
esutjss-252	126	4	implies	imply	VERB
esutjss-252	126	5	that	that	SCONJ
esutjss-252	126	6	any	any	DET
esutjss-252	126	7	inefficiencies	inefficiency	NOUN
esutjss-252	126	8	or	or	CCONJ
esutjss-252	126	9	anomalies	anomaly	NOUN
esutjss-252	126	10	in	in	ADP
esutjss-252	126	11	the	the	DET
esutjss-252	126	12	fire	fire	NOUN
esutjss-252	126	13	insurance	insurance	NOUN
esutjss-252	126	14	market	market	NOUN
esutjss-252	126	15	in	in	ADP
esutjss-252	126	16	nigeria	nigeria	PROPN
esutjss-252	126	17	would	would	AUX
esutjss-252	126	18	be	be	AUX
esutjss-252	126	19	quickly	quickly	ADV
esutjss-252	126	20	corrected	correct	VERB
esutjss-252	126	21	as	as	SCONJ
esutjss-252	126	22	prices	price	NOUN
esutjss-252	126	23	adjust	adjust	VERB
esutjss-252	126	24	to	to	PART
esutjss-252	126	25	reflect	reflect	VERB
esutjss-252	126	26	all	all	DET
esutjss-252	126	27	available	available	ADJ
esutjss-252	126	28	information	information	NOUN
esutjss-252	126	29	.	.	PUNCT
esutjss-252	127	1	moreover	moreover	ADV
esutjss-252	127	2	,	,	PUNCT
esutjss-252	127	3	in	in	ADP
esutjss-252	127	4	the	the	DET
esutjss-252	127	5	context	context	NOUN
esutjss-252	127	6	of	of	ADP
esutjss-252	127	7	fire	fire	NOUN
esutjss-252	127	8	insurance	insurance	NOUN
esutjss-252	127	9	in	in	ADP
esutjss-252	127	10	nigeria	nigeria	PROPN
esutjss-252	127	11	,	,	PUNCT
esutjss-252	127	12	this	this	DET
esutjss-252	127	13	theory	theory	NOUN
esutjss-252	127	14	could	could	AUX
esutjss-252	127	15	explain	explain	VERB
esutjss-252	127	16	why	why	SCONJ
esutjss-252	127	17	some	some	DET
esutjss-252	127	18	insurers	insurer	NOUN
esutjss-252	127	19	may	may	AUX
esutjss-252	127	20	struggle	struggle	VERB
esutjss-252	127	21	to	to	PART
esutjss-252	127	22	set	set	VERB
esutjss-252	127	23	accurate	accurate	ADJ
esutjss-252	127	24	premiums	premium	NOUN
esutjss-252	127	25	or	or	CCONJ
esutjss-252	127	26	respond	respond	VERB
esutjss-252	127	27	effectively	effectively	ADV
esutjss-252	127	28	to	to	ADP
esutjss-252	127	29	market	market	NOUN
esutjss-252	127	30	changes	change	NOUN
esutjss-252	127	31	.	.	PUNCT
esutjss-252	128	1	the	the	DET
esutjss-252	128	2	efficiency	efficiency	NOUN
esutjss-252	128	3	of	of	ADP
esutjss-252	128	4	the	the	DET
esutjss-252	128	5	market	market	NOUN
esutjss-252	128	6	plays	play	VERB
esutjss-252	128	7	a	a	DET
esutjss-252	128	8	crucial	crucial	ADJ
esutjss-252	128	9	role	role	NOUN
esutjss-252	128	10	in	in	ADP
esutjss-252	128	11	determining	determine	VERB
esutjss-252	128	12	the	the	DET
esutjss-252	128	13	performance	performance	NOUN
esutjss-252	128	14	of	of	ADP
esutjss-252	128	15	fire	fire	NOUN
esutjss-252	128	16	insurers	insurer	NOUN
esutjss-252	128	17	and	and	CCONJ
esutjss-252	128	18	the	the	DET
esutjss-252	128	19	overall	overall	ADJ
esutjss-252	128	20	rating	rating	NOUN
esutjss-252	128	21	system	system	NOUN
esutjss-252	128	22	in	in	ADP
esutjss-252	128	23	nigeria	nigeria	PROPN
esutjss-252	128	24	.	.	PUNCT
esutjss-252	129	1	research	research	NOUN
esutjss-252	129	2	methodology	methodology	NOUN
esutjss-252	129	3	the	the	DET
esutjss-252	129	4	study	study	NOUN
esutjss-252	129	5	employed	employ	VERB
esutjss-252	129	6	a	a	DET
esutjss-252	129	7	descriptive	descriptive	ADJ
esutjss-252	129	8	survey	survey	NOUN
esutjss-252	129	9	research	research	NOUN
esutjss-252	129	10	design	design	NOUN
esutjss-252	129	11	to	to	PART
esutjss-252	129	12	collect	collect	VERB
esutjss-252	129	13	and	and	CCONJ
esutjss-252	129	14	interpret	interpret	VERB
esutjss-252	129	15	data	datum	NOUN
esutjss-252	129	16	on	on	ADP
esutjss-252	129	17	the	the	DET
esutjss-252	129	18	existing	exist	VERB
esutjss-252	129	19	situation	situation	NOUN
esutjss-252	129	20	.	.	PUNCT
esutjss-252	130	1	the	the	DET
esutjss-252	130	2	primary	primary	ADJ
esutjss-252	130	3	instrument	instrument	NOUN
esutjss-252	130	4	for	for	ADP
esutjss-252	130	5	data	datum	NOUN
esutjss-252	130	6	collection	collection	NOUN
esutjss-252	130	7	was	be	AUX
esutjss-252	130	8	secondary	secondary	ADJ
esutjss-252	130	9	data	datum	NOUN
esutjss-252	130	10	,	,	PUNCT
esutjss-252	130	11	specifically	specifically	ADV
esutjss-252	130	12	utilizing	utilize	VERB
esutjss-252	130	13	the	the	DET
esutjss-252	130	14	e	e	NOUN
esutjss-252	130	15	-	-	NOUN
esutjss-252	130	16	view	view	NOUN
esutjss-252	130	17	platform	platform	NOUN
esutjss-252	130	18	.	.	PUNCT
esutjss-252	131	1	the	the	DET
esutjss-252	131	2	rationale	rationale	NOUN
esutjss-252	131	3	for	for	ADP
esutjss-252	131	4	using	use	VERB
esutjss-252	131	5	secondary	secondary	ADJ
esutjss-252	131	6	data	datum	NOUN
esutjss-252	131	7	,	,	PUNCT
esutjss-252	131	8	particularly	particularly	ADV
esutjss-252	131	9	e	e	NOUN
esutjss-252	131	10	-	-	NOUN
esutjss-252	131	11	view	view	NOUN
esutjss-252	131	12	,	,	PUNCT
esutjss-252	131	13	is	be	AUX
esutjss-252	131	14	its	its	PRON
esutjss-252	131	15	effectiveness	effectiveness	NOUN
esutjss-252	131	16	in	in	ADP
esutjss-252	131	17	accessing	access	VERB
esutjss-252	131	18	sensitive	sensitive	ADJ
esutjss-252	131	19	and	and	CCONJ
esutjss-252	131	20	confidential	confidential	ADJ
esutjss-252	131	21	information	information	NOUN
esutjss-252	131	22	without	without	ADP
esutjss-252	131	23	exposing	expose	VERB
esutjss-252	131	24	the	the	DET
esutjss-252	131	25	researcher	researcher	NOUN
esutjss-252	131	26	to	to	ADP
esutjss-252	131	27	potential	potential	ADJ
esutjss-252	131	28	risks	risk	NOUN
esutjss-252	131	29	,	,	PUNCT
esutjss-252	131	30	as	as	SCONJ
esutjss-252	131	31	might	might	AUX
esutjss-252	131	32	occur	occur	VERB
esutjss-252	131	33	with	with	ADP
esutjss-252	131	34	observational	observational	ADJ
esutjss-252	131	35	methods	method	NOUN
esutjss-252	131	36	.	.	PUNCT
esutjss-252	132	1	this	this	DET
esutjss-252	132	2	research	research	NOUN
esutjss-252	132	3	focuses	focus	VERB
esutjss-252	132	4	on	on	ADP
esutjss-252	132	5	audited	audit	VERB
esutjss-252	132	6	financial	financial	ADJ
esutjss-252	132	7	statements	statement	NOUN
esutjss-252	132	8	from	from	ADP
esutjss-252	132	9	15	15	NUM
esutjss-252	132	10	licensed	licensed	ADJ
esutjss-252	132	11	general	general	ADJ
esutjss-252	132	12	insurance	insurance	NOUN
esutjss-252	132	13	companies	company	NOUN
esutjss-252	132	14	in	in	ADP
esutjss-252	132	15	nigeria	nigeria	PROPN
esutjss-252	132	16	,	,	PUNCT
esutjss-252	132	17	covering	cover	VERB
esutjss-252	132	18	a	a	DET
esutjss-252	132	19	20	20	NUM
esutjss-252	132	20	-	-	PUNCT
esutjss-252	132	21	year	year	NOUN
esutjss-252	132	22	period	period	NOUN
esutjss-252	132	23	from	from	ADP
esutjss-252	132	24	1999	1999	NUM
esutjss-252	132	25	to	to	ADP
esutjss-252	132	26	2019	2019	NUM
esutjss-252	132	27	.	.	PUNCT
esutjss-252	133	1	a	a	DET
esutjss-252	133	2	random	random	ADJ
esutjss-252	133	3	sampling	sampling	NOUN
esutjss-252	133	4	technique	technique	NOUN
esutjss-252	133	5	was	be	AUX
esutjss-252	133	6	used	use	VERB
esutjss-252	133	7	to	to	PART
esutjss-252	133	8	select	select	VERB
esutjss-252	133	9	the	the	DET
esutjss-252	133	10	data	datum	NOUN
esutjss-252	133	11	,	,	PUNCT
esutjss-252	133	12	ensuring	ensure	VERB
esutjss-252	133	13	that	that	SCONJ
esutjss-252	133	14	every	every	DET
esutjss-252	133	15	member	member	NOUN
esutjss-252	133	16	of	of	ADP
esutjss-252	133	17	the	the	DET
esutjss-252	133	18	population	population	NOUN
esutjss-252	133	19	had	have	VERB
esutjss-252	133	20	an	an	DET
esutjss-252	133	21	equal	equal	ADJ
esutjss-252	133	22	chance	chance	NOUN
esutjss-252	133	23	of	of	ADP
esutjss-252	133	24	being	be	AUX
esutjss-252	133	25	chosen	choose	VERB
esutjss-252	133	26	,	,	PUNCT
esutjss-252	133	27	thus	thus	ADV
esutjss-252	133	28	minimizing	minimize	VERB
esutjss-252	133	29	bias	bias	NOUN
esutjss-252	133	30	.	.	PUNCT
esutjss-252	134	1	data	datum	NOUN
esutjss-252	134	2	was	be	AUX
esutjss-252	134	3	sourced	source	VERB
esutjss-252	134	4	from	from	ADP
esutjss-252	134	5	the	the	DET
esutjss-252	134	6	financial	financial	ADJ
esutjss-252	134	7	statements	statement	NOUN
esutjss-252	134	8	available	available	ADJ
esutjss-252	134	9	in	in	ADP
esutjss-252	134	10	the	the	DET
esutjss-252	134	11	nigerian	nigerian	ADJ
esutjss-252	134	12	stock	stock	NOUN
esutjss-252	134	13	exchange	exchange	PROPN
esutjss-252	134	14	(	(	PUNCT
esutjss-252	134	15	nse	nse	NOUN
esutjss-252	134	16	)	)	PUNCT
esutjss-252	134	17	and	and	CCONJ
esutjss-252	134	18	central	central	ADJ
esutjss-252	134	19	bank	bank	PROPN
esutjss-252	134	20	of	of	ADP
esutjss-252	134	21	nigeria	nigeria	PROPN
esutjss-252	134	22	(	(	PUNCT
esutjss-252	134	23	cbn	cbn	PROPN
esutjss-252	134	24	)	)	PUNCT
esutjss-252	134	25	databases	database	NOUN
esutjss-252	134	26	.	.	PUNCT
esutjss-252	135	1	the	the	DET
esutjss-252	135	2	analysis	analysis	NOUN
esutjss-252	135	3	involved	involve	VERB
esutjss-252	135	4	both	both	CCONJ
esutjss-252	135	5	descriptive	descriptive	ADJ
esutjss-252	135	6	and	and	CCONJ
esutjss-252	135	7	inferential	inferential	ADJ
esutjss-252	135	8	statistical	statistical	ADJ
esutjss-252	135	9	methods	method	NOUN
esutjss-252	135	10	.	.	PUNCT
esutjss-252	136	1	the	the	DET
esutjss-252	136	2	variables	variable	NOUN
esutjss-252	136	3	employed	employ	VERB
esutjss-252	136	4	in	in	ADP
esutjss-252	136	5	the	the	DET
esutjss-252	136	6	analysis	analysis	NOUN
esutjss-252	136	7	were	be	AUX
esutjss-252	136	8	selected	select	VERB
esutjss-252	136	9	based	base	VERB
esutjss-252	136	10	on	on	ADP
esutjss-252	136	11	relevant	relevant	ADJ
esutjss-252	136	12	theoretical	theoretical	ADJ
esutjss-252	136	13	frameworks	framework	NOUN
esutjss-252	136	14	and	and	CCONJ
esutjss-252	136	15	existing	exist	VERB
esutjss-252	136	16	literature	literature	NOUN
esutjss-252	136	17	,	,	PUNCT
esutjss-252	136	18	aligning	align	VERB
esutjss-252	136	19	with	with	ADP
esutjss-252	136	20	similar	similar	ADJ
esutjss-252	136	21	studies	study	NOUN
esutjss-252	136	22	in	in	ADP
esutjss-252	136	23	the	the	DET
esutjss-252	136	24	field	field	NOUN
esutjss-252	136	25	,	,	PUNCT
esutjss-252	136	26	as	as	ADV
esutjss-252	136	27	well	well	ADV
esutjss-252	136	28	as	as	ADP
esutjss-252	136	29	the	the	DET
esutjss-252	136	30	availability	availability	NOUN
esutjss-252	136	31	of	of	ADP
esutjss-252	136	32	secondary	secondary	ADJ
esutjss-252	136	33	data	datum	NOUN
esutjss-252	136	34	.	.	PUNCT
esutjss-252	137	1	the	the	DET
esutjss-252	137	2	study	study	NOUN
esutjss-252	137	3	utilized	utilize	VERB
esutjss-252	137	4	a	a	DET
esutjss-252	137	5	self	self	NOUN
esutjss-252	137	6	-	-	PUNCT
esutjss-252	137	7	constructed	construct	VERB
esutjss-252	137	8	secondary	secondary	ADJ
esutjss-252	137	9	data	datum	NOUN
esutjss-252	137	10	tool	tool	NOUN
esutjss-252	137	11	(	(	PUNCT
esutjss-252	137	12	eview	eview	PROPN
esutjss-252	137	13	)	)	PUNCT
esutjss-252	137	14	to	to	PART
esutjss-252	137	15	review	review	VERB
esutjss-252	137	16	and	and	CCONJ
esutjss-252	137	17	analyse	analyse	NOUN
esutjss-252	137	18	of	of	ADP
esutjss-252	137	19	the	the	DET
esutjss-252	137	20	financial	financial	ADJ
esutjss-252	137	21	performance	performance	NOUN
esutjss-252	137	22	of	of	ADP
esutjss-252	137	23	the	the	DET
esutjss-252	137	24	selected	select	VERB
esutjss-252	137	25	insurance	insurance	NOUN
esutjss-252	137	26	companies	company	NOUN
esutjss-252	137	27	.	.	PUNCT
esutjss-252	138	1	specifically	specifically	ADV
esutjss-252	138	2	,	,	PUNCT
esutjss-252	138	3	the	the	DET
esutjss-252	138	4	two	two	NUM
esutjss-252	138	5	variables	variable	NOUN
esutjss-252	138	6	measured	measure	VERB
esutjss-252	138	7	were	be	AUX
esutjss-252	138	8	the	the	DET
esutjss-252	138	9	fire	fire	NOUN
esutjss-252	138	10	insurance	insurance	NOUN
esutjss-252	138	11	rating	rating	NOUN
esutjss-252	138	12	and	and	CCONJ
esutjss-252	138	13	the	the	DET
esutjss-252	138	14	performance	performance	NOUN
esutjss-252	138	15	of	of	ADP
esutjss-252	138	16	fire	fire	NOUN
esutjss-252	138	17	insurers	insurer	NOUN
esutjss-252	138	18	in	in	ADP
esutjss-252	138	19	the	the	DET
esutjss-252	138	20	nigerian	nigerian	ADJ
esutjss-252	138	21	insurance	insurance	NOUN
esutjss-252	138	22	market	market	NOUN
esutjss-252	138	23	during	during	ADP
esutjss-252	138	24	the	the	DET
esutjss-252	138	25	pre	pre	ADJ
esutjss-252	138	26	-	-	ADJ
esutjss-252	138	27	covid	covid	ADJ
esutjss-252	138	28	era	era	NOUN
esutjss-252	138	29	.	.	PUNCT
esutjss-252	139	1	data	datum	NOUN
esutjss-252	139	2	analysis	analysis	NOUN
esutjss-252	139	3	this	this	DET
esutjss-252	139	4	section	section	NOUN
esutjss-252	139	5	delves	delve	VERB
esutjss-252	139	6	into	into	ADP
esutjss-252	139	7	the	the	DET
esutjss-252	139	8	analysis	analysis	NOUN
esutjss-252	139	9	of	of	ADP
esutjss-252	139	10	the	the	DET
esutjss-252	139	11	data	datum	NOUN
esutjss-252	139	12	,	,	PUNCT
esutjss-252	139	13	presenting	present	VERB
esutjss-252	139	14	the	the	DET
esutjss-252	139	15	results	result	NOUN
esutjss-252	139	16	obtained	obtain	VERB
esutjss-252	139	17	and	and	CCONJ
esutjss-252	139	18	discussing	discuss	VERB
esutjss-252	139	19	their	their	PRON
esutjss-252	139	20	implications	implication	NOUN
esutjss-252	139	21	table	table	NOUN
esutjss-252	139	22	1	1	NUM
esutjss-252	139	23	below	below	ADV
esutjss-252	139	24	provides	provide	VERB
esutjss-252	139	25	a	a	DET
esutjss-252	139	26	summary	summary	NOUN
esutjss-252	139	27	of	of	ADP
esutjss-252	139	28	the	the	DET
esutjss-252	139	29	statistical	statistical	ADJ
esutjss-252	139	30	characteristics	characteristic	NOUN
esutjss-252	139	31	of	of	ADP
esutjss-252	139	32	both	both	CCONJ
esutjss-252	139	33	the	the	DET
esutjss-252	139	34	independent	independent	ADJ
esutjss-252	139	35	and	and	CCONJ
esutjss-252	139	36	dependent	dependent	ADJ
esutjss-252	139	37	variables	variable	NOUN
esutjss-252	139	38	.	.	PUNCT
esutjss-252	140	1	these	these	DET
esutjss-252	140	2	statistics	statistic	NOUN
esutjss-252	140	3	are	be	AUX
esutjss-252	140	4	drawn	draw	VERB
esutjss-252	140	5	from	from	ADP
esutjss-252	140	6	a	a	DET
esutjss-252	140	7	dataset	dataset	NOUN
esutjss-252	140	8	compiled	compile	VERB
esutjss-252	140	9	from	from	ADP
esutjss-252	140	10	the	the	DET
esutjss-252	140	11	audited	audit	VERB
esutjss-252	140	12	financial	financial	ADJ
esutjss-252	140	13	statements	statement	NOUN
esutjss-252	140	14	of	of	ADP
esutjss-252	140	15	15	15	NUM
esutjss-252	140	16	licensed	licensed	ADJ
esutjss-252	140	17	general	general	ADJ
esutjss-252	140	18	insurance	insurance	NOUN
esutjss-252	140	19	companies	company	NOUN
esutjss-252	140	20	in	in	ADP
esutjss-252	140	21	nigeria	nigeria	PROPN
esutjss-252	140	22	over	over	ADP
esutjss-252	140	23	a	a	DET
esutjss-252	140	24	20	20	NUM
esutjss-252	140	25	-	-	PUNCT
esutjss-252	140	26	year	year	NOUN
esutjss-252	140	27	span	span	NOUN
esutjss-252	140	28	,	,	PUNCT
esutjss-252	140	29	from	from	ADP
esutjss-252	140	30	1999	1999	NUM
esutjss-252	140	31	to	to	ADP
esutjss-252	140	32	2019	2019	NUM
esutjss-252	140	33	.	.	PUNCT
esutjss-252	141	1	222	222	NUM
esutjss-252	141	2	table	table	NOUN
esutjss-252	141	3	4.1	4.1	NUM
esutjss-252	141	4	:	:	PUNCT
esutjss-252	141	5	descriptive	descriptive	ADJ
esutjss-252	141	6	statistics	statistic	NOUN
esutjss-252	141	7	clm	clm	PROPN
esutjss-252	141	8	inv	inv	VERB
esutjss-252	141	9	pbt	pbt	PROPN
esutjss-252	141	10	pif	pif	NOUN
esutjss-252	141	11	pmr	pmr	NOUN
esutjss-252	141	12	shf	shf	NOUN
esutjss-252	141	13	mean	mean	VERB
esutjss-252	141	14	433763.4	433763.4	NUM
esutjss-252	141	15	10709727	10709727	NUM
esutjss-252	141	16	1238233	1238233	NUM
esutjss-252	141	17	.	.	PUNCT
esutjss-252	142	1	967468.1	967468.1	NUM
esutjss-252	142	2	1934.936	1934.936	NUM
esutjss-252	142	3	8519766	8519766	NUM
esutjss-252	142	4	.	.	PUNCT
esutjss-252	143	1	median	median	PROPN
esutjss-252	143	2	131963.0	131963.0	NUM
esutjss-252	143	3	5841193	5841193	NUM
esutjss-252	143	4	.	.	PUNCT
esutjss-252	144	1	638465.0	638465.0	NUM
esutjss-252	144	2	599301.0	599301.0	NUM
esutjss-252	144	3	1198.602	1198.602	NUM
esutjss-252	144	4	6966265	6966265	NUM
esutjss-252	144	5	.	.	PUNCT
esutjss-252	145	1	maximum	maximum	ADJ
esutjss-252	145	2	3045810	3045810	NUM
esutjss-252	145	3	.	.	PUNCT
esutjss-252	146	1	2.80e+08	2.80e+08	NUM
esutjss-252	146	2	13448965	13448965	NUM
esutjss-252	146	3	7111187	7111187	NUM
esutjss-252	146	4	.	.	PUNCT
esutjss-252	147	1	14222.37	14222.37	NUM
esutjss-252	147	2	54292233	54292233	NUM
esutjss-252	147	3	minimum	minimum	NOUN
esutjss-252	147	4	0.000000	0.000000	NUM
esutjss-252	147	5	0.000000	0.000000	NUM
esutjss-252	147	6	-1500526	-1500526	NOUN
esutjss-252	147	7	.	.	PUNCT
esutjss-252	148	1	0.000000	0.000000	NUM
esutjss-252	148	2	0.000000	0.000000	NUM
esutjss-252	148	3	0.000000	0.000000	NUM
esutjss-252	148	4	std	std	NOUN
esutjss-252	148	5	.	.	PUNCT
esutjss-252	148	6	dev	dev	PROPN
esutjss-252	148	7	.	.	PUNCT
esutjss-252	149	1	609250.5	609250.5	NUM
esutjss-252	149	2	23708587	23708587	NUM
esutjss-252	149	3	2063222	2063222	NUM
esutjss-252	149	4	.	.	PUNCT
esutjss-252	150	1	1117469	1117469	NUM
esutjss-252	150	2	.	.	PUNCT
esutjss-252	151	1	2234.938	2234.938	NUM
esutjss-252	151	2	7328508	7328508	NUM
esutjss-252	151	3	.	.	PUNCT
esutjss-252	152	1	skewness	skewness	NOUN
esutjss-252	152	2	1.937045	1.937045	NUM
esutjss-252	152	3	8.767815	8.767815	NUM
esutjss-252	152	4	3.485496	3.485496	NUM
esutjss-252	152	5	2.299666	2.299666	NUM
esutjss-252	152	6	2.299666	2.299666	NUM
esutjss-252	152	7	3.173497	3.173497	NUM
esutjss-252	152	8	kurtosis	kurtosis	VERB
esutjss-252	152	9	6.693064	6.693064	NUM
esutjss-252	152	10	95.61095	95.61095	NUM
esutjss-252	152	11	17.60586	17.60586	NUM
esutjss-252	152	12	9.808031	9.808031	NUM
esutjss-252	152	13	9.808031	9.808031	NUM
esutjss-252	152	14	17.65639	17.65639	NUM
esutjss-252	152	15	jarque	jarque	NOUN
esutjss-252	152	16	-	-	PUNCT
esutjss-252	152	17	bera	bera	NOUN
esutjss-252	152	18	213.6611	213.6611	NUM
esutjss-252	152	19	66261.97	66261.97	NUM
esutjss-252	152	20	1953.530	1953.530	NUM
esutjss-252	152	21	503.4609	503.4609	NUM
esutjss-252	152	22	503.4609	503.4609	NUM
esutjss-252	152	23	1902.576	1902.576	NUM
esutjss-252	152	24	probability	probability	NOUN
esutjss-252	152	25	0.000000	0.000000	NUM
esutjss-252	152	26	0.000000	0.000000	NUM
esutjss-252	152	27	0.000000	0.000000	NUM
esutjss-252	152	28	0.000000	0.000000	NUM
esutjss-252	152	29	0.000000	0.000000	NUM
esutjss-252	152	30	0.000000	0.000000	NUM
esutjss-252	152	31	sum	sum	NOUN
esutjss-252	152	32	77643653	77643653	NUM
esutjss-252	152	33	1.92e+09	1.92e+09	NUM
esutjss-252	153	1	2.22e+08	2.22e+08	NUM
esutjss-252	153	2	1.73e+08	1.73e+08	NUM
esutjss-252	153	3	346353.6	346353.6	NUM
esutjss-252	153	4	1.53e+09	1.53e+09	NUM
esutjss-252	153	5	sum	sum	NOUN
esutjss-252	153	6	sq	sq	PROPN
esutjss-252	153	7	.	.	PROPN
esutjss-252	153	8	dev	dev	PROPN
esutjss-252	153	9	.	.	PUNCT
esutjss-252	154	1	6.61e+13	6.61e+13	NUM
esutjss-252	155	1	1.00e+17	1.00e+17	NUM
esutjss-252	156	1	7.58e+14	7.58e+14	NUM
esutjss-252	156	2	2.22e+14	2.22e+14	NUM
esutjss-252	156	3	8.89e+08	8.89e+08	NUM
esutjss-252	157	1	9.56e+15	9.56e+15	NUM
esutjss-252	157	2	observations	observation	NOUN
esutjss-252	157	3	179	179	NUM
esutjss-252	157	4	179	179	NUM
esutjss-252	157	5	179	179	NUM
esutjss-252	157	6	179	179	NUM
esutjss-252	157	7	179	179	NUM
esutjss-252	157	8	179	179	NUM
esutjss-252	157	9	source	source	NOUN
esutjss-252	157	10	:	:	PUNCT
esutjss-252	157	11	researcher	researcher	NOUN
esutjss-252	157	12	’s	’s	PART
esutjss-252	157	13	computation	computation	NOUN
esutjss-252	157	14	from	from	ADP
esutjss-252	157	15	e	e	NOUN
esutjss-252	157	16	-	-	NOUN
esutjss-252	157	17	views	view	NOUN
esutjss-252	157	18	12	12	NUM
esutjss-252	157	19	the	the	DET
esutjss-252	157	20	descriptive	descriptive	ADJ
esutjss-252	157	21	statistics	statistic	NOUN
esutjss-252	157	22	provide	provide	VERB
esutjss-252	157	23	a	a	DET
esutjss-252	157	24	detailed	detailed	ADJ
esutjss-252	157	25	overview	overview	NOUN
esutjss-252	157	26	of	of	ADP
esutjss-252	157	27	the	the	DET
esutjss-252	157	28	key	key	ADJ
esutjss-252	157	29	financial	financial	ADJ
esutjss-252	157	30	indicators	indicator	NOUN
esutjss-252	157	31	analysed	analyse	VERB
esutjss-252	157	32	in	in	ADP
esutjss-252	157	33	the	the	DET
esutjss-252	157	34	study	study	NOUN
esutjss-252	157	35	,	,	PUNCT
esutjss-252	157	36	which	which	PRON
esutjss-252	157	37	focuses	focus	VERB
esutjss-252	157	38	on	on	ADP
esutjss-252	157	39	the	the	DET
esutjss-252	157	40	performance	performance	NOUN
esutjss-252	157	41	of	of	ADP
esutjss-252	157	42	fire	fire	NOUN
esutjss-252	157	43	insurers	insurer	NOUN
esutjss-252	157	44	in	in	ADP
esutjss-252	157	45	nigeria	nigeria	PROPN
esutjss-252	157	46	before	before	SCONJ
esutjss-252	157	47	the	the	DET
esutjss-252	157	48	covid19	covid19	NOUN
esutjss-252	157	49	pandemic	pandemic	ADJ
esutjss-252	157	50	.	.	PUNCT
esutjss-252	158	1	the	the	DET
esutjss-252	158	2	variables	variable	NOUN
esutjss-252	158	3	include	include	VERB
esutjss-252	158	4	investment	investment	NOUN
esutjss-252	158	5	portfolio	portfolio	NOUN
esutjss-252	158	6	(	(	PUNCT
esutjss-252	158	7	inv	inv	PROPN
esutjss-252	158	8	)	)	PUNCT
esutjss-252	158	9	,	,	PUNCT
esutjss-252	158	10	profitability	profitability	NOUN
esutjss-252	158	11	(	(	PUNCT
esutjss-252	158	12	pbt	pbt	PROPN
esutjss-252	158	13	)	)	PUNCT
esutjss-252	158	14	,	,	PUNCT
esutjss-252	158	15	premium	premium	NOUN
esutjss-252	158	16	income	income	NOUN
esutjss-252	158	17	(	(	PUNCT
esutjss-252	158	18	pif	pif	NOUN
esutjss-252	158	19	)	)	PUNCT
esutjss-252	158	20	,	,	PUNCT
esutjss-252	158	21	and	and	CCONJ
esutjss-252	158	22	shareholder	shareholder	NOUN
esutjss-252	158	23	's	's	PART
esutjss-252	158	24	fund	fund	NOUN
esutjss-252	158	25	(	(	PUNCT
esutjss-252	158	26	shf	shf	PROPN
esutjss-252	158	27	)	)	PUNCT
esutjss-252	158	28	.	.	PUNCT
esutjss-252	159	1	for	for	ADP
esutjss-252	159	2	the	the	DET
esutjss-252	159	3	investment	investment	NOUN
esutjss-252	159	4	portfolio	portfolio	NOUN
esutjss-252	159	5	(	(	PUNCT
esutjss-252	159	6	inv	inv	PROPN
esutjss-252	159	7	)	)	PUNCT
esutjss-252	159	8	,	,	PUNCT
esutjss-252	159	9	the	the	DET
esutjss-252	159	10	mean	mean	ADJ
esutjss-252	159	11	value	value	NOUN
esutjss-252	159	12	is	be	AUX
esutjss-252	159	13	₦	₦	ADV
esutjss-252	159	14	10,709,727	10,709,727	NUM
esutjss-252	159	15	,	,	PUNCT
esutjss-252	159	16	reflecting	reflect	VERB
esutjss-252	159	17	a	a	DET
esutjss-252	159	18	substantial	substantial	ADJ
esutjss-252	159	19	investment	investment	NOUN
esutjss-252	159	20	base	base	NOUN
esutjss-252	159	21	across	across	ADP
esutjss-252	159	22	the	the	DET
esutjss-252	159	23	insurers	insurer	NOUN
esutjss-252	159	24	.	.	PUNCT
esutjss-252	160	1	however	however	ADV
esutjss-252	160	2	,	,	PUNCT
esutjss-252	160	3	the	the	DET
esutjss-252	160	4	median	median	ADJ
esutjss-252	160	5	value	value	NOUN
esutjss-252	160	6	of	of	ADP
esutjss-252	160	7	₦	₦	ADP
esutjss-252	160	8	5,841,193	5,841,193	NUM
esutjss-252	160	9	and	and	CCONJ
esutjss-252	160	10	the	the	DET
esutjss-252	160	11	range	range	NOUN
esutjss-252	160	12	from	from	ADP
esutjss-252	160	13	₦	₦	PROPN
esutjss-252	160	14	0	0	NUM
esutjss-252	160	15	to	to	ADP
esutjss-252	160	16	₦	₦	NOUN
esutjss-252	160	17	280,000,000	280,000,000	NUM
esutjss-252	160	18	show	show	VERB
esutjss-252	160	19	that	that	SCONJ
esutjss-252	160	20	some	some	DET
esutjss-252	160	21	companies	company	NOUN
esutjss-252	160	22	have	have	VERB
esutjss-252	160	23	significantly	significantly	ADV
esutjss-252	160	24	larger	large	ADJ
esutjss-252	160	25	investment	investment	NOUN
esutjss-252	160	26	portfolios	portfolio	NOUN
esutjss-252	160	27	,	,	PUNCT
esutjss-252	160	28	while	while	SCONJ
esutjss-252	160	29	others	other	NOUN
esutjss-252	160	30	have	have	VERB
esutjss-252	160	31	little	little	ADJ
esutjss-252	160	32	to	to	ADP
esutjss-252	160	33	no	no	DET
esutjss-252	160	34	investments	investment	NOUN
esutjss-252	160	35	.	.	PUNCT
esutjss-252	161	1	the	the	DET
esutjss-252	161	2	extreme	extreme	ADJ
esutjss-252	161	3	skewness	skewness	NOUN
esutjss-252	161	4	(	(	PUNCT
esutjss-252	161	5	8.77	8.77	NUM
esutjss-252	161	6	)	)	PUNCT
esutjss-252	161	7	and	and	CCONJ
esutjss-252	161	8	kurtosis	kurtosis	VERB
esutjss-252	161	9	(	(	PUNCT
esutjss-252	161	10	95.61	95.61	NUM
esutjss-252	161	11	)	)	PUNCT
esutjss-252	161	12	suggest	suggest	VERB
esutjss-252	161	13	that	that	SCONJ
esutjss-252	161	14	the	the	DET
esutjss-252	161	15	distribution	distribution	NOUN
esutjss-252	161	16	is	be	AUX
esutjss-252	161	17	heavily	heavily	ADV
esutjss-252	161	18	influenced	influence	VERB
esutjss-252	161	19	by	by	ADP
esutjss-252	161	20	a	a	DET
esutjss-252	161	21	few	few	ADJ
esutjss-252	161	22	companies	company	NOUN
esutjss-252	161	23	with	with	ADP
esutjss-252	161	24	exceptionally	exceptionally	ADV
esutjss-252	161	25	large	large	ADJ
esutjss-252	161	26	portfolios	portfolio	NOUN
esutjss-252	161	27	.	.	PUNCT
esutjss-252	162	1	in	in	ADP
esutjss-252	162	2	terms	term	NOUN
esutjss-252	162	3	of	of	ADP
esutjss-252	162	4	profitability	profitability	NOUN
esutjss-252	162	5	(	(	PUNCT
esutjss-252	162	6	pbt	pbt	PROPN
esutjss-252	162	7	)	)	PUNCT
esutjss-252	162	8	,	,	PUNCT
esutjss-252	162	9	the	the	DET
esutjss-252	162	10	average	average	ADJ
esutjss-252	162	11	profitability	profitability	NOUN
esutjss-252	162	12	is	be	AUX
esutjss-252	162	13	₦	₦	ADP
esutjss-252	162	14	1,238,233	1,238,233	NUM
esutjss-252	162	15	,	,	PUNCT
esutjss-252	162	16	indicating	indicate	VERB
esutjss-252	162	17	that	that	SCONJ
esutjss-252	162	18	,	,	PUNCT
esutjss-252	162	19	on	on	ADP
esutjss-252	162	20	average	average	ADJ
esutjss-252	162	21	,	,	PUNCT
esutjss-252	162	22	these	these	DET
esutjss-252	162	23	companies	company	NOUN
esutjss-252	162	24	are	be	AUX
esutjss-252	162	25	moderately	moderately	ADV
esutjss-252	162	26	profitable	profitable	ADJ
esutjss-252	162	27	.	.	PUNCT
esutjss-252	163	1	however	however	ADV
esutjss-252	163	2	,	,	PUNCT
esutjss-252	163	3	the	the	DET
esutjss-252	163	4	profitability	profitability	NOUN
esutjss-252	163	5	range	range	NOUN
esutjss-252	163	6	—	—	PUNCT
esutjss-252	163	7	from	from	ADP
esutjss-252	163	8	a	a	DET
esutjss-252	163	9	loss	loss	NOUN
esutjss-252	163	10	of	of	ADP
esutjss-252	163	11	-₦1,500,526	-₦1,500,526	NUM
esutjss-252	163	12	to	to	ADP
esutjss-252	163	13	a	a	DET
esutjss-252	163	14	profit	profit	NOUN
esutjss-252	163	15	of	of	ADP
esutjss-252	163	16	₦	₦	NOUN
esutjss-252	163	17	13,448,965	13,448,965	NUM
esutjss-252	163	18	—	—	PUNCT
esutjss-252	163	19	shows	show	VERB
esutjss-252	163	20	that	that	SCONJ
esutjss-252	163	21	there	there	PRON
esutjss-252	163	22	are	be	VERB
esutjss-252	163	23	both	both	PRON
esutjss-252	163	24	highly	highly	ADV
esutjss-252	163	25	profitable	profitable	ADJ
esutjss-252	163	26	companies	company	NOUN
esutjss-252	163	27	and	and	CCONJ
esutjss-252	163	28	those	those	PRON
esutjss-252	163	29	that	that	PRON
esutjss-252	163	30	experience	experience	VERB
esutjss-252	163	31	significant	significant	ADJ
esutjss-252	163	32	losses	loss	NOUN
esutjss-252	163	33	.	.	PUNCT
esutjss-252	164	1	the	the	DET
esutjss-252	164	2	skewness	skewness	NOUN
esutjss-252	164	3	(	(	PUNCT
esutjss-252	164	4	3.49	3.49	NUM
esutjss-252	164	5	)	)	PUNCT
esutjss-252	164	6	and	and	CCONJ
esutjss-252	164	7	kurtosis	kurtosis	VERB
esutjss-252	164	8	(	(	PUNCT
esutjss-252	164	9	17.61	17.61	NUM
esutjss-252	164	10	)	)	PUNCT
esutjss-252	164	11	values	value	NOUN
esutjss-252	164	12	indicate	indicate	VERB
esutjss-252	164	13	a	a	DET
esutjss-252	164	14	right	right	ADJ
esutjss-252	164	15	-	-	PUNCT
esutjss-252	164	16	skewed	skewed	ADJ
esutjss-252	164	17	distribution	distribution	NOUN
esutjss-252	164	18	with	with	ADP
esutjss-252	164	19	a	a	DET
esutjss-252	164	20	few	few	ADJ
esutjss-252	164	21	companies	company	NOUN
esutjss-252	164	22	earning	earn	VERB
esutjss-252	164	23	very	very	ADV
esutjss-252	164	24	high	high	ADJ
esutjss-252	164	25	profits	profit	NOUN
esutjss-252	164	26	,	,	PUNCT
esutjss-252	164	27	which	which	PRON
esutjss-252	164	28	skew	skew	VERB
esutjss-252	164	29	the	the	DET
esutjss-252	164	30	average	average	ADJ
esutjss-252	164	31	upwards	upward	NOUN
esutjss-252	164	32	.	.	PUNCT
esutjss-252	165	1	premium	premium	ADJ
esutjss-252	165	2	income	income	NOUN
esutjss-252	165	3	(	(	PUNCT
esutjss-252	165	4	pif	pif	NOUN
esutjss-252	165	5	)	)	PUNCT
esutjss-252	165	6	reveals	reveal	VERB
esutjss-252	165	7	an	an	DET
esutjss-252	165	8	average	average	ADJ
esutjss-252	165	9	income	income	NOUN
esutjss-252	165	10	of	of	ADP
esutjss-252	165	11	₦	₦	PROPN
esutjss-252	165	12	967,468.1	967,468.1	NUM
esutjss-252	165	13	,	,	PUNCT
esutjss-252	165	14	suggesting	suggest	VERB
esutjss-252	165	15	that	that	SCONJ
esutjss-252	165	16	the	the	DET
esutjss-252	165	17	insurers	insurer	NOUN
esutjss-252	165	18	generate	generate	VERB
esutjss-252	165	19	a	a	DET
esutjss-252	165	20	moderate	moderate	ADJ
esutjss-252	165	21	amount	amount	NOUN
esutjss-252	165	22	of	of	ADP
esutjss-252	165	23	income	income	NOUN
esutjss-252	165	24	from	from	ADP
esutjss-252	165	25	premiums	premium	NOUN
esutjss-252	165	26	.	.	PUNCT
esutjss-252	166	1	the	the	DET
esutjss-252	166	2	wide	wide	ADJ
esutjss-252	166	3	range	range	NOUN
esutjss-252	166	4	of	of	ADP
esutjss-252	166	5	premium	premium	ADJ
esutjss-252	166	6	income	income	NOUN
esutjss-252	166	7	,	,	PUNCT
esutjss-252	166	8	from	from	ADP
esutjss-252	166	9	₦	₦	ADV
esutjss-252	166	10	0	0	NUM
esutjss-252	166	11	to	to	ADP
esutjss-252	166	12	₦	₦	NOUN
esutjss-252	166	13	7,111,187	7,111,187	NUM
esutjss-252	166	14	,	,	PUNCT
esutjss-252	166	15	indicates	indicate	VERB
esutjss-252	166	16	a	a	DET
esutjss-252	166	17	considerable	considerable	ADJ
esutjss-252	166	18	disparity	disparity	NOUN
esutjss-252	166	19	in	in	ADP
esutjss-252	166	20	revenue	revenue	NOUN
esutjss-252	166	21	generation	generation	NOUN
esutjss-252	166	22	across	across	ADP
esutjss-252	166	23	the	the	DET
esutjss-252	166	24	industry	industry	NOUN
esutjss-252	166	25	.	.	PUNCT
esutjss-252	167	1	the	the	DET
esutjss-252	167	2	data	datum	NOUN
esutjss-252	167	3	's	's	PART
esutjss-252	167	4	skewness	skewness	NOUN
esutjss-252	167	5	(	(	PUNCT
esutjss-252	167	6	2.30	2.30	NUM
esutjss-252	167	7	)	)	PUNCT
esutjss-252	167	8	and	and	CCONJ
esutjss-252	167	9	kurtosis	kurtosis	VERB
esutjss-252	167	10	(	(	PUNCT
esutjss-252	167	11	9.81	9.81	NUM
esutjss-252	167	12	)	)	PUNCT
esutjss-252	167	13	suggest	suggest	VERB
esutjss-252	167	14	a	a	DET
esutjss-252	167	15	distribution	distribution	NOUN
esutjss-252	167	16	with	with	ADP
esutjss-252	167	17	a	a	DET
esutjss-252	167	18	long	long	ADJ
esutjss-252	167	19	right	right	ADJ
esutjss-252	167	20	tail	tail	NOUN
esutjss-252	167	21	,	,	PUNCT
esutjss-252	167	22	where	where	SCONJ
esutjss-252	167	23	a	a	DET
esutjss-252	167	24	few	few	ADJ
esutjss-252	167	25	companies	company	NOUN
esutjss-252	167	26	earn	earn	VERB
esutjss-252	167	27	significantly	significantly	ADV
esutjss-252	167	28	more	more	ADJ
esutjss-252	167	29	than	than	ADP
esutjss-252	167	30	the	the	DET
esutjss-252	167	31	others	other	NOUN
esutjss-252	167	32	.	.	PUNCT
esutjss-252	168	1	finally	finally	ADV
esutjss-252	168	2	,	,	PUNCT
esutjss-252	168	3	the	the	DET
esutjss-252	168	4	shareholder	shareholder	NOUN
esutjss-252	168	5	’s	’s	PART
esutjss-252	168	6	fund	fund	NOUN
esutjss-252	168	7	(	(	PUNCT
esutjss-252	168	8	shf	shf	PROPN
esutjss-252	168	9	)	)	PUNCT
esutjss-252	168	10	,	,	PUNCT
esutjss-252	168	11	with	with	ADP
esutjss-252	168	12	an	an	DET
esutjss-252	168	13	average	average	ADJ
esutjss-252	168	14	value	value	NOUN
esutjss-252	168	15	of	of	ADP
esutjss-252	168	16	₦	₦	PROPN
esutjss-252	168	17	8,519,766	8,519,766	NUM
esutjss-252	168	18	,	,	PUNCT
esutjss-252	168	19	suggests	suggest	VERB
esutjss-252	168	20	robust	robust	ADJ
esutjss-252	168	21	capital	capital	NOUN
esutjss-252	168	22	adequacy	adequacy	NOUN
esutjss-252	168	23	among	among	ADP
esutjss-252	168	24	the	the	DET
esutjss-252	168	25	companies	company	NOUN
esutjss-252	168	26	.	.	PUNCT
esutjss-252	169	1	however	however	ADV
esutjss-252	169	2	,	,	PUNCT
esutjss-252	169	3	the	the	DET
esutjss-252	169	4	wide	wide	ADJ
esutjss-252	169	5	range	range	NOUN
esutjss-252	169	6	from	from	ADP
esutjss-252	169	7	₦	₦	PROPN
esutjss-252	169	8	0	0	NUM
esutjss-252	169	9	to	to	ADP
esutjss-252	169	10	₦	₦	ADP
esutjss-252	169	11	54,292,233	54,292,233	NUM
esutjss-252	169	12	highlights	highlight	NOUN
esutjss-252	169	13	significant	significant	ADJ
esutjss-252	169	14	differences	difference	NOUN
esutjss-252	169	15	in	in	ADP
esutjss-252	169	16	the	the	DET
esutjss-252	169	17	capital	capital	NOUN
esutjss-252	169	18	base	base	NOUN
esutjss-252	169	19	across	across	ADP
esutjss-252	169	20	the	the	DET
esutjss-252	169	21	insurers	insurer	NOUN
esutjss-252	169	22	.	.	PUNCT
esutjss-252	170	1	the	the	DET
esutjss-252	170	2	skewness	skewness	NOUN
esutjss-252	170	3	(	(	PUNCT
esutjss-252	170	4	3.17	3.17	NUM
esutjss-252	170	5	)	)	PUNCT
esutjss-252	170	6	and	and	CCONJ
esutjss-252	170	7	kurtosis	kurtosis	VERB
esutjss-252	170	8	(	(	PUNCT
esutjss-252	170	9	17.66	17.66	NUM
esutjss-252	170	10	)	)	PUNCT
esutjss-252	170	11	values	value	NOUN
esutjss-252	170	12	indicate	indicate	VERB
esutjss-252	170	13	a	a	DET
esutjss-252	170	14	right	right	ADJ
esutjss-252	170	15	-	-	PUNCT
esutjss-252	170	16	skewed	skewed	ADJ
esutjss-252	170	17	distribution	distribution	NOUN
esutjss-252	170	18	,	,	PUNCT
esutjss-252	170	19	where	where	SCONJ
esutjss-252	170	20	a	a	DET
esutjss-252	170	21	few	few	ADJ
esutjss-252	170	22	companies	company	NOUN
esutjss-252	170	23	have	have	VERB
esutjss-252	170	24	substantially	substantially	ADV
esutjss-252	170	25	higher	high	ADJ
esutjss-252	170	26	shareholder	shareholder	NOUN
esutjss-252	170	27	funds	fund	NOUN
esutjss-252	170	28	.	.	PUNCT
esutjss-252	171	1	in	in	ADP
esutjss-252	171	2	conclusion	conclusion	NOUN
esutjss-252	171	3	,	,	PUNCT
esutjss-252	171	4	the	the	DET
esutjss-252	171	5	descriptive	descriptive	ADJ
esutjss-252	171	6	statistics	statistic	NOUN
esutjss-252	171	7	reveal	reveal	VERB
esutjss-252	171	8	considerable	considerable	ADJ
esutjss-252	171	9	variability	variability	NOUN
esutjss-252	171	10	and	and	CCONJ
esutjss-252	171	11	skewness	skewness	NOUN
esutjss-252	171	12	across	across	ADP
esutjss-252	171	13	all	all	DET
esutjss-252	171	14	the	the	DET
esutjss-252	171	15	financial	financial	ADJ
esutjss-252	171	16	performance	performance	NOUN
esutjss-252	171	17	indicators	indicator	NOUN
esutjss-252	171	18	.	.	PUNCT
esutjss-252	172	1	this	this	DET
esutjss-252	172	2	analysis	analysis	NOUN
esutjss-252	172	3	underscores	underscore	VERB
esutjss-252	172	4	the	the	DET
esutjss-252	172	5	disparities	disparity	NOUN
esutjss-252	172	6	within	within	ADP
esutjss-252	172	7	the	the	DET
esutjss-252	172	8	223	223	NUM
esutjss-252	172	9	nigerian	nigerian	ADJ
esutjss-252	172	10	fire	fire	NOUN
esutjss-252	172	11	insurance	insurance	NOUN
esutjss-252	172	12	market	market	NOUN
esutjss-252	172	13	during	during	ADP
esutjss-252	172	14	the	the	DET
esutjss-252	172	15	pre	pre	ADJ
esutjss-252	172	16	-	-	ADJ
esutjss-252	172	17	covid	covid	ADJ
esutjss-252	172	18	era	era	NOUN
esutjss-252	172	19	,	,	PUNCT
esutjss-252	172	20	providing	provide	VERB
esutjss-252	172	21	valuable	valuable	ADJ
esutjss-252	172	22	insights	insight	NOUN
esutjss-252	172	23	for	for	ADP
esutjss-252	172	24	stakeholders	stakeholder	NOUN
esutjss-252	172	25	looking	look	VERB
esutjss-252	172	26	to	to	PART
esutjss-252	172	27	improve	improve	VERB
esutjss-252	172	28	market	market	NOUN
esutjss-252	172	29	performance	performance	NOUN
esutjss-252	172	30	and	and	CCONJ
esutjss-252	172	31	stability	stability	NOUN
esutjss-252	172	32	.	.	PUNCT
esutjss-252	173	1	unit	unit	NOUN
esutjss-252	173	2	root	root	PROPN
esutjss-252	173	3	test	test	NOUN
esutjss-252	173	4	variable	variable	PROPN
esutjss-252	173	5	adf	adf	PROPN
esutjss-252	173	6	pp	pp	PROPN
esutjss-252	173	7	-	-	PUNCT
esutjss-252	173	8	fisher	fisher	NOUN
esutjss-252	173	9	chi	chi	PROPN
esutjss-252	173	10	square	square	ADJ
esutjss-252	173	11	order	order	NOUN
esutjss-252	173	12	of	of	ADP
esutjss-252	173	13	integration	integration	NOUN
esutjss-252	173	14	statistics	statistic	NOUN
esutjss-252	173	15	probability	probability	PROPN
esutjss-252	173	16	statistics	statistic	NOUN
esutjss-252	173	17	probability	probability	NOUN
esutjss-252	173	18	pmr	pmr	PROPN
esutjss-252	173	19	-3.846420	-3.846420	PROPN
esutjss-252	173	20	0.0030	0.0030	PROPN
esutjss-252	173	21	-5.723935	-5.723935	NOUN
esutjss-252	173	22	0.0000	0.0000	NUM
esutjss-252	173	23	i(0	i(0	NOUN
esutjss-252	173	24	)	)	PUNCT
esutjss-252	173	25	pif	pif	NOUN
esutjss-252	173	26	-3.846420	-3.846420	NOUN
esutjss-252	173	27	0.0000	0.0000	NUM
esutjss-252	173	28	-5.723935	-5.723935	NOUN
esutjss-252	173	29	0.0000	0.0000	NUM
esutjss-252	173	30	i(0	i(0	NOUN
esutjss-252	173	31	)	)	PUNCT
esutjss-252	173	32	clm	clm	NOUN
esutjss-252	174	1	-5.820247	-5.820247	NOUN
esutjss-252	174	2	0.0000	0.0000	NUM
esutjss-252	174	3	-5.762550	-5.762550	NOUN
esutjss-252	175	1	0.0000	0.0000	NUM
esutjss-252	175	2	i(0	i(0	NOUN
esutjss-252	175	3	)	)	PUNCT
esutjss-252	175	4	inv	inv	VERB
esutjss-252	175	5	-10.42792	-10.42792	PUNCT
esutjss-252	175	6	0.0000	0.0000	NUM
esutjss-252	175	7	-10.86201	-10.86201	NUM
esutjss-252	175	8	0.0000	0.0000	NUM
esutjss-252	175	9	i(0	i(0	NOUN
esutjss-252	175	10	)	)	PUNCT
esutjss-252	175	11	shf	shf	NOUN
esutjss-252	175	12	-5.552729	-5.552729	NOUN
esutjss-252	175	13	0.0009	0.0009	NUM
esutjss-252	175	14	-5.457325	-5.457325	NOUN
esutjss-252	176	1	0.0009	0.0009	NUM
esutjss-252	176	2	i(0	i(0	PROPN
esutjss-252	176	3	)	)	PUNCT
esutjss-252	176	4	pbt	pbt	PROPN
esutjss-252	176	5	-4.470662	-4.470662	X
esutjss-252	176	6	0.0003	0.0003	NUM
esutjss-252	176	7	-6.252207	-6.252207	NOUN
esutjss-252	176	8	0.0000	0.0000	NUM
esutjss-252	176	9	i(0	i(0	NOUN
esutjss-252	176	10	)	)	PUNCT
esutjss-252	176	11	source	source	NOUN
esutjss-252	176	12	:	:	PUNCT
esutjss-252	176	13	researcher	researcher	NOUN
esutjss-252	176	14	’s	’s	PART
esutjss-252	176	15	computation	computation	NOUN
esutjss-252	176	16	from	from	ADP
esutjss-252	176	17	e	e	NOUN
esutjss-252	176	18	-	-	NOUN
esutjss-252	176	19	views	view	NOUN
esutjss-252	176	20	12	12	NUM
esutjss-252	176	21	the	the	DET
esutjss-252	176	22	unit	unit	NOUN
esutjss-252	176	23	root	root	NOUN
esutjss-252	176	24	test	test	NOUN
esutjss-252	176	25	results	result	NOUN
esutjss-252	176	26	provide	provide	VERB
esutjss-252	176	27	essential	essential	ADJ
esutjss-252	176	28	insights	insight	NOUN
esutjss-252	176	29	into	into	ADP
esutjss-252	176	30	the	the	DET
esutjss-252	176	31	stationarity	stationarity	NOUN
esutjss-252	176	32	of	of	ADP
esutjss-252	176	33	several	several	ADJ
esutjss-252	176	34	key	key	ADJ
esutjss-252	176	35	financial	financial	ADJ
esutjss-252	176	36	variables	variable	NOUN
esutjss-252	176	37	.	.	PUNCT
esutjss-252	177	1	stationarity	stationarity	NOUN
esutjss-252	177	2	implies	imply	VERB
esutjss-252	177	3	that	that	SCONJ
esutjss-252	177	4	a	a	DET
esutjss-252	177	5	variable	variable	NOUN
esutjss-252	177	6	's	's	PART
esutjss-252	177	7	statistical	statistical	ADJ
esutjss-252	177	8	properties	property	NOUN
esutjss-252	177	9	,	,	PUNCT
esutjss-252	177	10	such	such	ADJ
esutjss-252	177	11	as	as	ADP
esutjss-252	177	12	mean	mean	ADJ
esutjss-252	177	13	and	and	CCONJ
esutjss-252	177	14	variance	variance	NOUN
esutjss-252	177	15	,	,	PUNCT
esutjss-252	177	16	remain	remain	VERB
esutjss-252	177	17	consistent	consistent	ADJ
esutjss-252	177	18	over	over	ADP
esutjss-252	177	19	time	time	NOUN
esutjss-252	177	20	,	,	PUNCT
esutjss-252	177	21	which	which	PRON
esutjss-252	177	22	is	be	AUX
esutjss-252	177	23	crucial	crucial	ADJ
esutjss-252	177	24	for	for	ADP
esutjss-252	177	25	accurate	accurate	ADJ
esutjss-252	177	26	modeling	modeling	NOUN
esutjss-252	177	27	and	and	CCONJ
esutjss-252	177	28	forecasting	forecasting	NOUN
esutjss-252	177	29	.	.	PUNCT
esutjss-252	178	1	shareholder	shareholder	PROPN
esutjss-252	178	2	's	's	PART
esutjss-252	178	3	fund	fund	NOUN
esutjss-252	178	4	(	(	PUNCT
esutjss-252	178	5	shf	shf	PROPN
esutjss-252	178	6	)	)	PUNCT
esutjss-252	178	7	demonstrated	demonstrate	VERB
esutjss-252	178	8	stationarity	stationarity	NOUN
esutjss-252	178	9	at	at	ADP
esutjss-252	178	10	the	the	DET
esutjss-252	178	11	level	level	NOUN
esutjss-252	178	12	,	,	PUNCT
esutjss-252	178	13	with	with	ADP
esutjss-252	178	14	the	the	DET
esutjss-252	178	15	adf	adf	PROPN
esutjss-252	178	16	test	test	NOUN
esutjss-252	178	17	statistic	statistic	NOUN
esutjss-252	178	18	recorded	record	VERB
esutjss-252	178	19	at	at	ADP
esutjss-252	178	20	-5.552729	-5.552729	ADJ
esutjss-252	178	21	and	and	CCONJ
esutjss-252	178	22	the	the	DET
esutjss-252	178	23	pp	pp	PROPN
esutjss-252	178	24	-	-	PUNCT
esutjss-252	178	25	fisher	fisher	PROPN
esutjss-252	178	26	test	test	NOUN
esutjss-252	178	27	statistic	statistic	NOUN
esutjss-252	178	28	at	at	ADP
esutjss-252	178	29	-5.457325	-5.457325	PROPN
esutjss-252	178	30	,	,	PUNCT
esutjss-252	178	31	both	both	PRON
esutjss-252	178	32	associated	associate	VERB
esutjss-252	178	33	with	with	ADP
esutjss-252	178	34	pvalues	pvalue	NOUN
esutjss-252	178	35	of	of	ADP
esutjss-252	178	36	0.0009	0.0009	NUM
esutjss-252	178	37	.	.	PUNCT
esutjss-252	179	1	profitability	profitability	NOUN
esutjss-252	179	2	(	(	PUNCT
esutjss-252	179	3	pbt	pbt	PROPN
esutjss-252	179	4	)	)	PUNCT
esutjss-252	179	5	also	also	ADV
esutjss-252	179	6	exhibited	exhibit	VERB
esutjss-252	179	7	stationarity	stationarity	NOUN
esutjss-252	179	8	,	,	PUNCT
esutjss-252	179	9	as	as	SCONJ
esutjss-252	179	10	indicated	indicate	VERB
esutjss-252	179	11	by	by	ADP
esutjss-252	179	12	the	the	DET
esutjss-252	179	13	adf	adf	PROPN
esutjss-252	179	14	test	test	NOUN
esutjss-252	179	15	statistic	statistic	PROPN
esutjss-252	179	16	of	of	ADP
esutjss-252	179	17	-4.470662	-4.470662	NOUN
esutjss-252	179	18	and	and	CCONJ
esutjss-252	179	19	the	the	DET
esutjss-252	179	20	pp	pp	PROPN
esutjss-252	179	21	-	-	PUNCT
esutjss-252	179	22	fisher	fisher	PROPN
esutjss-252	179	23	test	test	NOUN
esutjss-252	179	24	statistic	statistic	NOUN
esutjss-252	179	25	of	of	ADP
esutjss-252	179	26	-6.252207	-6.252207	NOUN
esutjss-252	179	27	,	,	PUNCT
esutjss-252	179	28	with	with	ADP
esutjss-252	179	29	p	p	NOUN
esutjss-252	179	30	-	-	PUNCT
esutjss-252	179	31	values	value	NOUN
esutjss-252	179	32	of	of	ADP
esutjss-252	179	33	0.0003	0.0003	NUM
esutjss-252	179	34	and	and	CCONJ
esutjss-252	179	35	0.0000	0.0000	NUM
esutjss-252	179	36	respectively	respectively	ADV
esutjss-252	179	37	.	.	PUNCT
esutjss-252	180	1	hence	hence	ADV
esutjss-252	180	2	,	,	PUNCT
esutjss-252	180	3	the	the	DET
esutjss-252	180	4	stationarity	stationarity	NOUN
esutjss-252	180	5	of	of	ADP
esutjss-252	180	6	all	all	DET
esutjss-252	180	7	variables	variable	NOUN
esutjss-252	180	8	at	at	ADP
esutjss-252	180	9	the	the	DET
esutjss-252	180	10	level	level	NOUN
esutjss-252	180	11	(	(	PUNCT
esutjss-252	180	12	denoted	denote	VERB
esutjss-252	180	13	as	as	ADP
esutjss-252	180	14	i(0	i(0	PROPN
esutjss-252	180	15	)	)	PUNCT
esutjss-252	180	16	)	)	PUNCT
esutjss-252	180	17	suggests	suggest	VERB
esutjss-252	180	18	that	that	SCONJ
esutjss-252	180	19	they	they	PRON
esutjss-252	180	20	do	do	AUX
esutjss-252	180	21	not	not	PART
esutjss-252	180	22	require	require	VERB
esutjss-252	180	23	differencing	difference	VERB
esutjss-252	180	24	to	to	PART
esutjss-252	180	25	stabilize	stabilize	VERB
esutjss-252	180	26	their	their	PRON
esutjss-252	180	27	statistical	statistical	ADJ
esutjss-252	180	28	properties	property	NOUN
esutjss-252	180	29	,	,	PUNCT
esutjss-252	180	30	making	make	VERB
esutjss-252	180	31	them	they	PRON
esutjss-252	180	32	reliable	reliable	ADJ
esutjss-252	180	33	for	for	ADP
esutjss-252	180	34	time	time	NOUN
esutjss-252	180	35	series	series	NOUN
esutjss-252	180	36	analysis	analysis	NOUN
esutjss-252	180	37	in	in	ADP
esutjss-252	180	38	their	their	PRON
esutjss-252	180	39	current	current	ADJ
esutjss-252	180	40	form	form	NOUN
esutjss-252	180	41	.	.	PUNCT
esutjss-252	181	1	this	this	DET
esutjss-252	181	2	stability	stability	NOUN
esutjss-252	181	3	is	be	AUX
esutjss-252	181	4	crucial	crucial	ADJ
esutjss-252	181	5	for	for	ADP
esutjss-252	181	6	building	build	VERB
esutjss-252	181	7	robust	robust	ADJ
esutjss-252	181	8	financial	financial	ADJ
esutjss-252	181	9	models	model	NOUN
esutjss-252	181	10	that	that	PRON
esutjss-252	181	11	rely	rely	VERB
esutjss-252	181	12	on	on	ADP
esutjss-252	181	13	consistent	consistent	ADJ
esutjss-252	181	14	behaviour	behaviour	NOUN
esutjss-252	181	15	over	over	ADP
esutjss-252	181	16	time	time	NOUN
esutjss-252	181	17	.	.	PUNCT
esutjss-252	182	1	there	there	PRON
esutjss-252	182	2	is	be	VERB
esutjss-252	182	3	no	no	DET
esutjss-252	182	4	significant	significant	ADJ
esutjss-252	182	5	relationship	relationship	NOUN
esutjss-252	182	6	between	between	ADP
esutjss-252	182	7	adequate	adequate	ADJ
esutjss-252	182	8	premium	premium	NOUN
esutjss-252	182	9	rating	rating	NOUN
esutjss-252	182	10	and	and	CCONJ
esutjss-252	182	11	the	the	DET
esutjss-252	182	12	investment	investment	NOUN
esutjss-252	182	13	portfolio	portfolio	NOUN
esutjss-252	182	14	of	of	ADP
esutjss-252	182	15	property	property	NOUN
esutjss-252	182	16	insurance	insurance	NOUN
esutjss-252	182	17	companies	company	NOUN
esutjss-252	182	18	in	in	ADP
esutjss-252	182	19	nigeria	nigeria	PROPN
esutjss-252	182	20	dependent	dependent	ADJ
esutjss-252	182	21	variable	variable	NOUN
esutjss-252	182	22	:	:	PUNCT
esutjss-252	182	23	pmr	pmr	NOUN
esutjss-252	182	24	method	method	NOUN
esutjss-252	182	25	:	:	PUNCT
esutjss-252	182	26	least	least	ADJ
esutjss-252	182	27	squares	square	NOUN
esutjss-252	182	28	date	date	NOUN
esutjss-252	182	29	:	:	PUNCT
esutjss-252	182	30	08/18/24	08/18/24	NUM
esutjss-252	182	31	time	time	NOUN
esutjss-252	182	32	:	:	PUNCT
esutjss-252	182	33	17:19	17:19	NUM
esutjss-252	182	34	sample	sample	NOUN
esutjss-252	182	35	:	:	PUNCT
esutjss-252	182	36	1	1	NUM
esutjss-252	182	37	180	180	NUM
esutjss-252	182	38	included	include	VERB
esutjss-252	182	39	observations	observation	NOUN
esutjss-252	182	40	:	:	PUNCT
esutjss-252	182	41	179	179	NUM
esutjss-252	182	42	variable	variable	ADJ
esutjss-252	182	43	coefficient	coefficient	NOUN
esutjss-252	182	44	std	std	NOUN
esutjss-252	182	45	.	.	NOUN
esutjss-252	182	46	error	error	NOUN
esutjss-252	182	47	t	t	NOUN
esutjss-252	182	48	-	-	PUNCT
esutjss-252	182	49	statistic	statistic	NOUN
esutjss-252	182	50	prob	prob	NOUN
esutjss-252	182	51	.	.	PUNCT
esutjss-252	183	1	c	c	PROPN
esutjss-252	183	2	1535.391	1535.391	NUM
esutjss-252	183	3	168.8896	168.8896	NUM
esutjss-252	183	4	9.091094	9.091094	NUM
esutjss-252	183	5	0.0000	0.0000	NUM
esutjss-252	183	6	inv	inv	VERB
esutjss-252	183	7	3.73e-05	3.73e-05	NUM
esutjss-252	183	8	6.51e-06	6.51e-06	NUM
esutjss-252	183	9	5.733289	5.733289	NUM
esutjss-252	183	10	0.0000	0.0000	NUM
esutjss-252	183	11	r	r	NOUN
esutjss-252	183	12	-	-	PUNCT
esutjss-252	183	13	squared	square	VERB
esutjss-252	183	14	0.156623	0.156623	NUM
esutjss-252	183	15	mean	mean	NOUN
esutjss-252	183	16	dependent	dependent	ADJ
esutjss-252	183	17	var	var	NOUN
esutjss-252	183	18	1934.936	1934.936	NUM
esutjss-252	183	19	adjusted	adjusted	ADJ
esutjss-252	183	20	r	r	NOUN
esutjss-252	183	21	-	-	PUNCT
esutjss-252	183	22	squared	square	VERB
esutjss-252	183	23	0.151858	0.151858	NUM
esutjss-252	183	24	s.d	s.d	PROPN
esutjss-252	183	25	.	.	PUNCT
esutjss-252	184	1	dependent	dependent	ADJ
esutjss-252	184	2	var	var	NOUN
esutjss-252	185	1	2234.938	2234.938	PROPN
esutjss-252	185	2	s.e	s.e	PROPN
esutjss-252	185	3	.	.	PROPN
esutjss-252	185	4	of	of	ADP
esutjss-252	185	5	regression	regression	NOUN
esutjss-252	185	6	2058.257	2058.257	NUM
esutjss-252	185	7	akaike	akaike	ADJ
esutjss-252	185	8	info	info	NOUN
esutjss-252	185	9	criterion	criterion	NOUN
esutjss-252	185	10	18.10822	18.10822	NUM
esutjss-252	185	11	sum	sum	NOUN
esutjss-252	185	12	squared	square	VERB
esutjss-252	185	13	resid	resid	NOUN
esutjss-252	185	14	7.50e+08	7.50e+08	NUM
esutjss-252	185	15	schwarz	schwarz	PROPN
esutjss-252	185	16	criterion	criterion	NOUN
esutjss-252	185	17	18.14383	18.14383	NUM
esutjss-252	185	18	log	log	NOUN
esutjss-252	185	19	likelihood	likelihood	NOUN
esutjss-252	185	20	-1618.685	-1618.685	PUNCT
esutjss-252	185	21	hannan	hannan	PROPN
esutjss-252	185	22	-	-	PUNCT
esutjss-252	185	23	quinn	quinn	PROPN
esutjss-252	185	24	criter	criter	NOUN
esutjss-252	185	25	.	.	PUNCT
esutjss-252	186	1	18.12266	18.12266	NUM
esutjss-252	187	1	f	f	X
esutjss-252	187	2	-	-	PUNCT
esutjss-252	187	3	statistic	statistic	ADJ
esutjss-252	187	4	32.87060	32.87060	NUM
esutjss-252	187	5	durbin	durbin	ADJ
esutjss-252	187	6	-	-	PUNCT
esutjss-252	187	7	watson	watson	NOUN
esutjss-252	187	8	stat	stat	NOUN
esutjss-252	187	9	0.824463	0.824463	NUM
esutjss-252	187	10	prob(f	prob(f	NOUN
esutjss-252	187	11	-	-	PUNCT
esutjss-252	187	12	statistic	statistic	NOUN
esutjss-252	187	13	)	)	PUNCT
esutjss-252	187	14	0.000000	0.000000	NUM
esutjss-252	187	15	source	source	NOUN
esutjss-252	187	16	:	:	PUNCT
esutjss-252	187	17	researcher	researcher	NOUN
esutjss-252	187	18	’s	’s	PART
esutjss-252	187	19	computation	computation	NOUN
esutjss-252	187	20	from	from	ADP
esutjss-252	187	21	e	e	NOUN
esutjss-252	187	22	-	-	NOUN
esutjss-252	187	23	views	view	NOUN
esutjss-252	187	24	12	12	NUM
esutjss-252	187	25	224	224	NUM
esutjss-252	187	26	this	this	DET
esutjss-252	187	27	regression	regression	NOUN
esutjss-252	187	28	analysis	analysis	NOUN
esutjss-252	187	29	investigates	investigate	VERB
esutjss-252	187	30	the	the	DET
esutjss-252	187	31	influence	influence	NOUN
esutjss-252	187	32	of	of	ADP
esutjss-252	187	33	the	the	DET
esutjss-252	187	34	investment	investment	NOUN
esutjss-252	187	35	portfolio	portfolio	NOUN
esutjss-252	187	36	(	(	PUNCT
esutjss-252	187	37	inv	inv	VERB
esutjss-252	187	38	)	)	PUNCT
esutjss-252	187	39	on	on	ADP
esutjss-252	187	40	the	the	DET
esutjss-252	187	41	premium	premium	NOUN
esutjss-252	187	42	rating	rating	NOUN
esutjss-252	187	43	(	(	PUNCT
esutjss-252	187	44	pr	pr	NOUN
esutjss-252	187	45	)	)	PUNCT
esutjss-252	187	46	of	of	ADP
esutjss-252	187	47	insurance	insurance	NOUN
esutjss-252	187	48	companies	company	NOUN
esutjss-252	187	49	in	in	ADP
esutjss-252	187	50	nigeria	nigeria	PROPN
esutjss-252	187	51	.	.	PUNCT
esutjss-252	188	1	the	the	DET
esutjss-252	188	2	intercept	intercept	NOUN
esutjss-252	188	3	,	,	PUNCT
esutjss-252	188	4	denoted	denote	VERB
esutjss-252	188	5	as	as	ADP
esutjss-252	188	6	c	c	NOUN
esutjss-252	188	7	,	,	PUNCT
esutjss-252	188	8	is	be	AUX
esutjss-252	188	9	1535.391	1535.391	NUM
esutjss-252	188	10	.	.	PUNCT
esutjss-252	189	1	this	this	PRON
esutjss-252	189	2	suggests	suggest	VERB
esutjss-252	189	3	that	that	SCONJ
esutjss-252	189	4	,	,	PUNCT
esutjss-252	189	5	even	even	ADV
esutjss-252	189	6	in	in	ADP
esutjss-252	189	7	the	the	DET
esutjss-252	189	8	absence	absence	NOUN
esutjss-252	189	9	of	of	ADP
esutjss-252	189	10	any	any	DET
esutjss-252	189	11	effect	effect	NOUN
esutjss-252	189	12	from	from	ADP
esutjss-252	189	13	the	the	DET
esutjss-252	189	14	investment	investment	NOUN
esutjss-252	189	15	portfolio	portfolio	NOUN
esutjss-252	189	16	,	,	PUNCT
esutjss-252	189	17	the	the	DET
esutjss-252	189	18	premium	premium	NOUN
esutjss-252	189	19	rating	rating	NOUN
esutjss-252	189	20	would	would	AUX
esutjss-252	189	21	be	be	AUX
esutjss-252	189	22	1535.391	1535.391	NUM
esutjss-252	189	23	.	.	PUNCT
esutjss-252	190	1	the	the	DET
esutjss-252	190	2	coefficient	coefficient	NOUN
esutjss-252	190	3	for	for	ADP
esutjss-252	190	4	the	the	DET
esutjss-252	190	5	investment	investment	NOUN
esutjss-252	190	6	portfolio	portfolio	NOUN
esutjss-252	190	7	is	be	AUX
esutjss-252	190	8	0.0000373	0.0000373	NUM
esutjss-252	190	9	,	,	PUNCT
esutjss-252	190	10	indicating	indicate	VERB
esutjss-252	190	11	that	that	SCONJ
esutjss-252	190	12	a	a	DET
esutjss-252	190	13	slight	slight	ADJ
esutjss-252	190	14	increase	increase	NOUN
esutjss-252	190	15	in	in	ADP
esutjss-252	190	16	the	the	DET
esutjss-252	190	17	investment	investment	NOUN
esutjss-252	190	18	portfolio	portfolio	NOUN
esutjss-252	190	19	leads	lead	VERB
esutjss-252	190	20	to	to	ADP
esutjss-252	190	21	a	a	DET
esutjss-252	190	22	corresponding	corresponding	ADJ
esutjss-252	190	23	,	,	PUNCT
esutjss-252	190	24	albeit	albeit	SCONJ
esutjss-252	190	25	minimal	minimal	ADJ
esutjss-252	190	26	,	,	PUNCT
esutjss-252	190	27	increase	increase	NOUN
esutjss-252	190	28	in	in	ADP
esutjss-252	190	29	the	the	DET
esutjss-252	190	30	premium	premium	NOUN
esutjss-252	190	31	rating	rating	NOUN
esutjss-252	190	32	by	by	ADP
esutjss-252	190	33	0.0000373	0.0000373	NUM
esutjss-252	190	34	units	unit	NOUN
esutjss-252	190	35	.	.	PUNCT
esutjss-252	191	1	the	the	DET
esutjss-252	191	2	statistical	statistical	ADJ
esutjss-252	191	3	significance	significance	NOUN
esutjss-252	191	4	of	of	ADP
esutjss-252	191	5	this	this	DET
esutjss-252	191	6	relationship	relationship	NOUN
esutjss-252	191	7	is	be	AUX
esutjss-252	191	8	evident	evident	ADJ
esutjss-252	191	9	from	from	ADP
esutjss-252	191	10	the	the	DET
esutjss-252	191	11	p	p	NOUN
esutjss-252	191	12	-	-	PUNCT
esutjss-252	191	13	value	value	NOUN
esutjss-252	191	14	associated	associate	VERB
esutjss-252	191	15	with	with	ADP
esutjss-252	191	16	the	the	DET
esutjss-252	191	17	investment	investment	NOUN
esutjss-252	191	18	portfolio	portfolio	NOUN
esutjss-252	191	19	,	,	PUNCT
esutjss-252	191	20	which	which	PRON
esutjss-252	191	21	is	be	AUX
esutjss-252	191	22	0.0000	0.0000	NUM
esutjss-252	191	23	and	and	CCONJ
esutjss-252	191	24	less	less	ADJ
esutjss-252	191	25	than	than	ADP
esutjss-252	191	26	the	the	DET
esutjss-252	191	27	0.05	0.05	NUM
esutjss-252	191	28	significance	significance	NOUN
esutjss-252	191	29	level	level	NOUN
esutjss-252	191	30	.	.	PUNCT
esutjss-252	192	1	this	this	PRON
esutjss-252	192	2	confirms	confirm	VERB
esutjss-252	192	3	that	that	SCONJ
esutjss-252	192	4	the	the	DET
esutjss-252	192	5	link	link	NOUN
esutjss-252	192	6	between	between	ADP
esutjss-252	192	7	the	the	DET
esutjss-252	192	8	investment	investment	NOUN
esutjss-252	192	9	portfolio	portfolio	NOUN
esutjss-252	192	10	and	and	CCONJ
esutjss-252	192	11	the	the	DET
esutjss-252	192	12	premium	premium	NOUN
esutjss-252	192	13	rating	rating	NOUN
esutjss-252	192	14	is	be	AUX
esutjss-252	192	15	highly	highly	ADV
esutjss-252	192	16	statistically	statistically	ADV
esutjss-252	192	17	significant	significant	ADJ
esutjss-252	192	18	.	.	PUNCT
esutjss-252	193	1	however	however	ADV
esutjss-252	193	2	,	,	PUNCT
esutjss-252	193	3	the	the	DET
esutjss-252	193	4	model	model	NOUN
esutjss-252	193	5	's	's	PART
esutjss-252	193	6	overall	overall	ADJ
esutjss-252	193	7	fit	fit	NOUN
esutjss-252	193	8	is	be	AUX
esutjss-252	193	9	somewhat	somewhat	ADV
esutjss-252	193	10	limited	limited	ADJ
esutjss-252	193	11	,	,	PUNCT
esutjss-252	193	12	as	as	SCONJ
esutjss-252	193	13	reflected	reflect	VERB
esutjss-252	193	14	by	by	ADP
esutjss-252	193	15	the	the	DET
esutjss-252	193	16	r	r	NOUN
esutjss-252	193	17	-	-	PUNCT
esutjss-252	193	18	squared	square	VERB
esutjss-252	193	19	value	value	NOUN
esutjss-252	193	20	of	of	ADP
esutjss-252	193	21	0.1566	0.1566	NUM
esutjss-252	193	22	.	.	PUNCT
esutjss-252	194	1	this	this	PRON
esutjss-252	194	2	means	mean	VERB
esutjss-252	194	3	that	that	SCONJ
esutjss-252	194	4	only	only	ADV
esutjss-252	194	5	15.66	15.66	NUM
esutjss-252	194	6	%	%	NOUN
esutjss-252	194	7	of	of	ADP
esutjss-252	194	8	the	the	DET
esutjss-252	194	9	variability	variability	NOUN
esutjss-252	194	10	in	in	ADP
esutjss-252	194	11	the	the	DET
esutjss-252	194	12	premium	premium	NOUN
esutjss-252	194	13	rating	rating	NOUN
esutjss-252	194	14	can	can	AUX
esutjss-252	194	15	be	be	AUX
esutjss-252	194	16	explained	explain	VERB
esutjss-252	194	17	by	by	ADP
esutjss-252	194	18	changes	change	NOUN
esutjss-252	194	19	in	in	ADP
esutjss-252	194	20	the	the	DET
esutjss-252	194	21	investment	investment	NOUN
esutjss-252	194	22	portfolio	portfolio	NOUN
esutjss-252	194	23	.	.	PUNCT
esutjss-252	195	1	the	the	DET
esutjss-252	195	2	adjusted	adjusted	ADJ
esutjss-252	195	3	r	r	NOUN
esutjss-252	195	4	-	-	PUNCT
esutjss-252	195	5	squared	square	VERB
esutjss-252	195	6	value	value	NOUN
esutjss-252	195	7	,	,	PUNCT
esutjss-252	195	8	slightly	slightly	ADV
esutjss-252	195	9	lower	low	ADJ
esutjss-252	195	10	at	at	ADP
esutjss-252	195	11	0.1519	0.1519	NUM
esutjss-252	195	12	,	,	PUNCT
esutjss-252	195	13	also	also	ADV
esutjss-252	195	14	indicates	indicate	VERB
esutjss-252	195	15	that	that	SCONJ
esutjss-252	195	16	the	the	DET
esutjss-252	195	17	model	model	NOUN
esutjss-252	195	18	's	's	PART
esutjss-252	195	19	ability	ability	NOUN
esutjss-252	195	20	to	to	PART
esutjss-252	195	21	predict	predict	VERB
esutjss-252	195	22	changes	change	NOUN
esutjss-252	195	23	in	in	ADP
esutjss-252	195	24	the	the	DET
esutjss-252	195	25	premium	premium	NOUN
esutjss-252	195	26	rating	rating	NOUN
esutjss-252	195	27	based	base	VERB
esutjss-252	195	28	on	on	ADP
esutjss-252	195	29	the	the	DET
esutjss-252	195	30	investment	investment	NOUN
esutjss-252	195	31	portfolio	portfolio	NOUN
esutjss-252	195	32	alone	alone	ADV
esutjss-252	195	33	is	be	AUX
esutjss-252	195	34	modest	modest	ADJ
esutjss-252	195	35	.	.	PUNCT
esutjss-252	196	1	the	the	DET
esutjss-252	196	2	model	model	NOUN
esutjss-252	196	3	as	as	ADP
esutjss-252	196	4	a	a	DET
esutjss-252	196	5	whole	whole	NOUN
esutjss-252	196	6	is	be	AUX
esutjss-252	196	7	statistically	statistically	ADV
esutjss-252	196	8	significant	significant	ADJ
esutjss-252	196	9	,	,	PUNCT
esutjss-252	196	10	as	as	SCONJ
esutjss-252	196	11	shown	show	VERB
esutjss-252	196	12	by	by	ADP
esutjss-252	196	13	the	the	DET
esutjss-252	196	14	f	f	NOUN
esutjss-252	196	15	-	-	PUNCT
esutjss-252	196	16	statistic	statistic	NOUN
esutjss-252	196	17	of	of	ADP
esutjss-252	196	18	32.8706	32.8706	NUM
esutjss-252	196	19	and	and	CCONJ
esutjss-252	196	20	its	its	PRON
esutjss-252	196	21	associated	associated	ADJ
esutjss-252	196	22	p	p	NOUN
esutjss-252	196	23	-	-	PUNCT
esutjss-252	196	24	value	value	NOUN
esutjss-252	196	25	of	of	ADP
esutjss-252	196	26	0.0000	0.0000	NUM
esutjss-252	196	27	.	.	PUNCT
esutjss-252	197	1	hence	hence	ADV
esutjss-252	197	2	,	,	PUNCT
esutjss-252	197	3	the	the	DET
esutjss-252	197	4	null	null	ADJ
esutjss-252	197	5	hypothesis	hypothesis	NOUN
esutjss-252	197	6	was	be	AUX
esutjss-252	197	7	rejected	reject	VERB
esutjss-252	197	8	and	and	CCONJ
esutjss-252	197	9	concluded	conclude	VERB
esutjss-252	197	10	that	that	SCONJ
esutjss-252	197	11	there	there	PRON
esutjss-252	197	12	is	be	VERB
esutjss-252	197	13	a	a	DET
esutjss-252	197	14	significant	significant	ADJ
esutjss-252	197	15	relationship	relationship	NOUN
esutjss-252	197	16	between	between	ADP
esutjss-252	197	17	adequate	adequate	ADJ
esutjss-252	197	18	premium	premium	NOUN
esutjss-252	197	19	rating	rating	NOUN
esutjss-252	197	20	and	and	CCONJ
esutjss-252	197	21	the	the	DET
esutjss-252	197	22	investment	investment	NOUN
esutjss-252	197	23	portfolio	portfolio	NOUN
esutjss-252	197	24	of	of	ADP
esutjss-252	197	25	property	property	NOUN
esutjss-252	197	26	insurance	insurance	NOUN
esutjss-252	197	27	companies	company	NOUN
esutjss-252	197	28	in	in	ADP
esutjss-252	197	29	nigeria	nigeria	PROPN
esutjss-252	197	30	hypothesis	hypothesis	NOUN
esutjss-252	197	31	one	one	NOUN
esutjss-252	197	32	there	there	PRON
esutjss-252	197	33	is	be	VERB
esutjss-252	197	34	no	no	DET
esutjss-252	197	35	significant	significant	ADJ
esutjss-252	197	36	relationship	relationship	NOUN
esutjss-252	197	37	between	between	ADP
esutjss-252	197	38	insurance	insurance	NOUN
esutjss-252	197	39	premium	premium	NOUN
esutjss-252	197	40	rating	rating	NOUN
esutjss-252	197	41	and	and	CCONJ
esutjss-252	197	42	the	the	DET
esutjss-252	197	43	profitability	profitability	NOUN
esutjss-252	197	44	of	of	ADP
esutjss-252	197	45	property	property	NOUN
esutjss-252	197	46	insurance	insurance	NOUN
esutjss-252	197	47	companies	company	NOUN
esutjss-252	197	48	in	in	ADP
esutjss-252	197	49	nigeria	nigeria	PROPN
esutjss-252	197	50	dependent	dependent	ADJ
esutjss-252	197	51	variable	variable	NOUN
esutjss-252	197	52	:	:	PUNCT
esutjss-252	197	53	pmr	pmr	NOUN
esutjss-252	197	54	method	method	NOUN
esutjss-252	197	55	:	:	PUNCT
esutjss-252	197	56	least	least	ADJ
esutjss-252	197	57	squares	square	NOUN
esutjss-252	197	58	date	date	NOUN
esutjss-252	197	59	:	:	PUNCT
esutjss-252	197	60	08/18/24	08/18/24	NUM
esutjss-252	197	61	time	time	NOUN
esutjss-252	197	62	:	:	PUNCT
esutjss-252	197	63	17:20	17:20	NUM
esutjss-252	197	64	sample	sample	NOUN
esutjss-252	197	65	:	:	PUNCT
esutjss-252	197	66	1	1	NUM
esutjss-252	197	67	180	180	NUM
esutjss-252	197	68	included	include	VERB
esutjss-252	197	69	observations	observation	NOUN
esutjss-252	197	70	:	:	PUNCT
esutjss-252	197	71	180	180	NUM
esutjss-252	197	72	variable	variable	ADJ
esutjss-252	197	73	coefficient	coefficient	NOUN
esutjss-252	197	74	std	std	NOUN
esutjss-252	197	75	.	.	NOUN
esutjss-252	197	76	error	error	NOUN
esutjss-252	197	77	t	t	NOUN
esutjss-252	197	78	-	-	PUNCT
esutjss-252	197	79	statistic	statistic	NOUN
esutjss-252	197	80	prob	prob	NOUN
esutjss-252	197	81	.	.	PUNCT
esutjss-252	198	1	c	c	NOUN
esutjss-252	199	1	1182.463	1182.463	NUM
esutjss-252	199	2	160.1069	160.1069	NUM
esutjss-252	199	3	7.385460	7.385460	NUM
esutjss-252	199	4	0.0000	0.0000	NUM
esutjss-252	199	5	pbt	pbt	X
esutjss-252	199	6	0.000617	0.000617	NUM
esutjss-252	199	7	6.69e-05	6.69e-05	NUM
esutjss-252	199	8	9.233988	9.233988	NUM
esutjss-252	199	9	0.0000	0.0000	NUM
esutjss-252	199	10	r	r	NOUN
esutjss-252	199	11	-	-	PUNCT
esutjss-252	199	12	squared	square	VERB
esutjss-252	199	13	0.323879	0.323879	NUM
esutjss-252	199	14	mean	mean	NOUN
esutjss-252	199	15	dependent	dependent	ADJ
esutjss-252	199	16	var	var	NOUN
esutjss-252	199	17	1944.483	1944.483	PROPN
esutjss-252	199	18	adjusted	adjust	VERB
esutjss-252	199	19	r	r	NOUN
esutjss-252	199	20	-	-	PUNCT
esutjss-252	199	21	squared	square	VERB
esutjss-252	199	22	0.320081	0.320081	PROPN
esutjss-252	199	23	s.d	s.d	PROPN
esutjss-252	199	24	.	.	PROPN
esutjss-252	200	1	dependent	dependent	ADJ
esutjss-252	200	2	var	var	NOUN
esutjss-252	200	3	2232.363	2232.363	NUM
esutjss-252	200	4	s.e	s.e	PROPN
esutjss-252	200	5	.	.	PROPN
esutjss-252	200	6	of	of	ADP
esutjss-252	200	7	regression	regression	NOUN
esutjss-252	200	8	1840.745	1840.745	PROPN
esutjss-252	200	9	akaike	akaike	ADJ
esutjss-252	200	10	info	info	NOUN
esutjss-252	200	11	criterion	criterion	NOUN
esutjss-252	200	12	17.88478	17.88478	NUM
esutjss-252	200	13	sum	sum	NOUN
esutjss-252	200	14	squared	square	VERB
esutjss-252	200	15	resid	resid	NOUN
esutjss-252	201	1	6.03e+08	6.03e+08	NUM
esutjss-252	201	2	schwarz	schwarz	PROPN
esutjss-252	201	3	criterion	criterion	NOUN
esutjss-252	201	4	17.92025	17.92025	NUM
esutjss-252	201	5	log	log	NOUN
esutjss-252	201	6	likelihood	likelihood	NOUN
esutjss-252	201	7	-1607.630	-1607.630	PROPN
esutjss-252	201	8	hannan	hannan	PROPN
esutjss-252	201	9	-	-	PUNCT
esutjss-252	201	10	quinn	quinn	PROPN
esutjss-252	201	11	criter	criter	NOUN
esutjss-252	201	12	.	.	PUNCT
esutjss-252	202	1	17.89916	17.89916	NUM
esutjss-252	202	2	f	f	X
esutjss-252	202	3	-	-	PUNCT
esutjss-252	202	4	statistic	statistic	ADJ
esutjss-252	202	5	85.26654	85.26654	NUM
esutjss-252	202	6	durbin	durbin	ADJ
esutjss-252	202	7	-	-	PUNCT
esutjss-252	202	8	watson	watson	NOUN
esutjss-252	202	9	stat	stat	PROPN
esutjss-252	202	10	1.038344	1.038344	NUM
esutjss-252	202	11	prob(f	prob(f	NOUN
esutjss-252	202	12	-	-	PUNCT
esutjss-252	202	13	statistic	statistic	NOUN
esutjss-252	202	14	)	)	PUNCT
esutjss-252	202	15	0.000000	0.000000	NUM
esutjss-252	202	16	source	source	NOUN
esutjss-252	202	17	:	:	PUNCT
esutjss-252	202	18	researcher	researcher	NOUN
esutjss-252	202	19	’s	’s	PART
esutjss-252	202	20	computation	computation	NOUN
esutjss-252	202	21	from	from	ADP
esutjss-252	202	22	e	e	NOUN
esutjss-252	202	23	-	-	NOUN
esutjss-252	202	24	views	view	NOUN
esutjss-252	202	25	12	12	NUM
esutjss-252	202	26	the	the	DET
esutjss-252	202	27	regression	regression	NOUN
esutjss-252	202	28	analysis	analysis	NOUN
esutjss-252	202	29	was	be	AUX
esutjss-252	202	30	conducted	conduct	VERB
esutjss-252	202	31	to	to	PART
esutjss-252	202	32	evaluate	evaluate	VERB
esutjss-252	202	33	the	the	DET
esutjss-252	202	34	impact	impact	NOUN
esutjss-252	202	35	of	of	ADP
esutjss-252	202	36	profitability	profitability	NOUN
esutjss-252	202	37	(	(	PUNCT
esutjss-252	202	38	pbt	pbt	PROPN
esutjss-252	202	39	)	)	PUNCT
esutjss-252	202	40	on	on	ADP
esutjss-252	202	41	premium	premium	NOUN
esutjss-252	202	42	rating	rating	NOUN
esutjss-252	202	43	(	(	PUNCT
esutjss-252	202	44	pr	pr	NOUN
esutjss-252	202	45	)	)	PUNCT
esutjss-252	202	46	using	use	VERB
esutjss-252	202	47	a	a	DET
esutjss-252	202	48	sample	sample	NOUN
esutjss-252	202	49	of	of	ADP
esutjss-252	202	50	180	180	NUM
esutjss-252	202	51	observations	observation	NOUN
esutjss-252	202	52	from	from	ADP
esutjss-252	202	53	nigerian	nigerian	ADJ
esutjss-252	202	54	insurance	insurance	NOUN
esutjss-252	202	55	companies	company	NOUN
esutjss-252	202	56	.	.	PUNCT
esutjss-252	203	1	the	the	DET
esutjss-252	203	2	intercept	intercept	NOUN
esutjss-252	203	3	of	of	ADP
esutjss-252	203	4	the	the	DET
esutjss-252	203	5	regression	regression	NOUN
esutjss-252	203	6	model	model	NOUN
esutjss-252	203	7	is	be	AUX
esutjss-252	203	8	1182.463	1182.463	NUM
esutjss-252	203	9	,	,	PUNCT
esutjss-252	203	10	which	which	PRON
esutjss-252	203	11	represents	represent	VERB
esutjss-252	203	12	the	the	DET
esutjss-252	203	13	estimated	estimate	VERB
esutjss-252	203	14	premium	premium	NOUN
esutjss-252	203	15	rating	rating	NOUN
esutjss-252	203	16	when	when	SCONJ
esutjss-252	203	17	profitability	profitability	NOUN
esutjss-252	203	18	is	be	AUX
esutjss-252	203	19	zero	zero	NUM
esutjss-252	203	20	.	.	PUNCT
esutjss-252	204	1	the	the	DET
esutjss-252	204	2	coefficient	coefficient	NOUN
esutjss-252	204	3	for	for	ADP
esutjss-252	204	4	profitability	profitability	NOUN
esutjss-252	204	5	is	be	AUX
esutjss-252	204	6	0.000617	0.000617	NUM
esutjss-252	204	7	,	,	PUNCT
esutjss-252	204	8	indicating	indicate	VERB
esutjss-252	204	9	that	that	SCONJ
esutjss-252	204	10	each	each	DET
esutjss-252	204	11	unit	unit	NOUN
esutjss-252	204	12	increase	increase	VERB
esutjss-252	204	13	in	in	ADP
esutjss-252	204	14	profitability	profitability	NOUN
esutjss-252	204	15	results	result	NOUN
esutjss-252	204	16	in	in	ADP
esutjss-252	204	17	an	an	DET
esutjss-252	204	18	increase	increase	NOUN
esutjss-252	204	19	of	of	ADP
esutjss-252	204	20	0.000617	0.000617	NUM
esutjss-252	204	21	units	unit	NOUN
esutjss-252	204	22	in	in	ADP
esutjss-252	204	23	premium	premium	NOUN
esutjss-252	204	24	rating	rating	NOUN
esutjss-252	204	25	.	.	PUNCT
esutjss-252	205	1	both	both	CCONJ
esutjss-252	205	2	the	the	DET
esutjss-252	205	3	intercept	intercept	NOUN
esutjss-252	205	4	and	and	CCONJ
esutjss-252	205	5	the	the	DET
esutjss-252	205	6	profitability	profitability	NOUN
esutjss-252	205	7	coefficient	coefficient	NOUN
esutjss-252	205	8	are	be	AUX
esutjss-252	205	9	statistically	statistically	ADV
esutjss-252	205	10	significant	significant	ADJ
esutjss-252	205	11	,	,	PUNCT
esutjss-252	205	12	with	with	ADP
esutjss-252	205	13	p	p	NOUN
esutjss-252	205	14	-	-	PUNCT
esutjss-252	205	15	values	value	NOUN
esutjss-252	205	16	of	of	ADP
esutjss-252	205	17	0.0000	0.0000	NUM
esutjss-252	205	18	,	,	PUNCT
esutjss-252	205	19	meaning	mean	VERB
esutjss-252	205	20	that	that	SCONJ
esutjss-252	205	21	these	these	DET
esutjss-252	205	22	results	result	NOUN
esutjss-252	205	23	are	be	AUX
esutjss-252	205	24	highly	highly	ADV
esutjss-252	205	25	reliable	reliable	ADJ
esutjss-252	205	26	.	.	PUNCT
esutjss-252	206	1	225	225	NUM
esutjss-252	206	2	the	the	DET
esutjss-252	206	3	model	model	NOUN
esutjss-252	206	4	's	's	PART
esutjss-252	206	5	fit	fit	NOUN
esutjss-252	206	6	is	be	AUX
esutjss-252	206	7	moderate	moderate	ADJ
esutjss-252	206	8	,	,	PUNCT
esutjss-252	206	9	with	with	ADP
esutjss-252	206	10	an	an	DET
esutjss-252	206	11	r	r	NOUN
esutjss-252	206	12	-	-	PUNCT
esutjss-252	206	13	squared	square	VERB
esutjss-252	206	14	value	value	NOUN
esutjss-252	206	15	of	of	ADP
esutjss-252	206	16	0.323879	0.323879	NUM
esutjss-252	206	17	,	,	PUNCT
esutjss-252	206	18	suggesting	suggest	VERB
esutjss-252	206	19	that	that	SCONJ
esutjss-252	206	20	approximately	approximately	ADV
esutjss-252	206	21	32.39	32.39	NUM
esutjss-252	206	22	%	%	NOUN
esutjss-252	206	23	of	of	ADP
esutjss-252	206	24	the	the	DET
esutjss-252	206	25	variability	variability	NOUN
esutjss-252	206	26	in	in	ADP
esutjss-252	206	27	premium	premium	NOUN
esutjss-252	206	28	rating	rating	NOUN
esutjss-252	206	29	can	can	AUX
esutjss-252	206	30	be	be	AUX
esutjss-252	206	31	explained	explain	VERB
esutjss-252	206	32	by	by	ADP
esutjss-252	206	33	changes	change	NOUN
esutjss-252	206	34	in	in	ADP
esutjss-252	206	35	profitability	profitability	NOUN
esutjss-252	206	36	.	.	PUNCT
esutjss-252	207	1	the	the	DET
esutjss-252	207	2	adjusted	adjusted	ADJ
esutjss-252	207	3	r	r	NOUN
esutjss-252	207	4	-	-	PUNCT
esutjss-252	207	5	squared	square	VERB
esutjss-252	207	6	value	value	NOUN
esutjss-252	207	7	of	of	ADP
esutjss-252	207	8	0.320081	0.320081	NUM
esutjss-252	207	9	further	further	ADJ
esutjss-252	207	10	supports	support	VERB
esutjss-252	207	11	this	this	PRON
esutjss-252	207	12	,	,	PUNCT
esutjss-252	207	13	indicating	indicate	VERB
esutjss-252	207	14	that	that	SCONJ
esutjss-252	207	15	the	the	DET
esutjss-252	207	16	model	model	NOUN
esutjss-252	207	17	accounts	account	VERB
esutjss-252	207	18	for	for	ADP
esutjss-252	207	19	a	a	DET
esutjss-252	207	20	reasonable	reasonable	ADJ
esutjss-252	207	21	proportion	proportion	NOUN
esutjss-252	207	22	of	of	ADP
esutjss-252	207	23	the	the	DET
esutjss-252	207	24	variance	variance	NOUN
esutjss-252	207	25	while	while	SCONJ
esutjss-252	207	26	adjusting	adjust	VERB
esutjss-252	207	27	for	for	ADP
esutjss-252	207	28	the	the	DET
esutjss-252	207	29	number	number	NOUN
esutjss-252	207	30	of	of	ADP
esutjss-252	207	31	predictors	predictor	NOUN
esutjss-252	207	32	included	include	VERB
esutjss-252	207	33	.	.	PUNCT
esutjss-252	208	1	the	the	DET
esutjss-252	208	2	overall	overall	ADJ
esutjss-252	208	3	significance	significance	NOUN
esutjss-252	208	4	of	of	ADP
esutjss-252	208	5	the	the	DET
esutjss-252	208	6	model	model	NOUN
esutjss-252	208	7	is	be	AUX
esutjss-252	208	8	confirmed	confirm	VERB
esutjss-252	208	9	by	by	ADP
esutjss-252	208	10	the	the	DET
esutjss-252	208	11	f	f	PROPN
esutjss-252	208	12	-	-	PUNCT
esutjss-252	208	13	statistic	statistic	NOUN
esutjss-252	208	14	,	,	PUNCT
esutjss-252	208	15	which	which	PRON
esutjss-252	208	16	stands	stand	VERB
esutjss-252	208	17	at	at	ADP
esutjss-252	208	18	85.26654	85.26654	NUM
esutjss-252	208	19	with	with	ADP
esutjss-252	208	20	a	a	DET
esutjss-252	208	21	p	p	NOUN
esutjss-252	208	22	-	-	PUNCT
esutjss-252	208	23	value	value	NOUN
esutjss-252	208	24	of	of	ADP
esutjss-252	208	25	0.0000	0.0000	NUM
esutjss-252	208	26	.	.	PUNCT
esutjss-252	209	1	this	this	PRON
esutjss-252	209	2	indicates	indicate	VERB
esutjss-252	209	3	that	that	SCONJ
esutjss-252	209	4	the	the	DET
esutjss-252	209	5	model	model	NOUN
esutjss-252	209	6	significantly	significantly	ADV
esutjss-252	209	7	explains	explain	VERB
esutjss-252	209	8	variations	variation	NOUN
esutjss-252	209	9	in	in	ADP
esutjss-252	209	10	premium	premium	NOUN
esutjss-252	209	11	rating	rating	NOUN
esutjss-252	209	12	.	.	PUNCT
esutjss-252	210	1	also	also	ADV
esutjss-252	210	2	,	,	PUNCT
esutjss-252	210	3	the	the	DET
esutjss-252	210	4	durbin	durbin	ADJ
esutjss-252	210	5	-	-	PUNCT
esutjss-252	210	6	watson	watson	NOUN
esutjss-252	210	7	statistic	statistic	NOUN
esutjss-252	210	8	is	be	AUX
esutjss-252	210	9	1.038344	1.038344	NUM
esutjss-252	210	10	,	,	PUNCT
esutjss-252	210	11	which	which	PRON
esutjss-252	210	12	suggests	suggest	VERB
esutjss-252	210	13	the	the	DET
esutjss-252	210	14	potential	potential	ADJ
esutjss-252	210	15	presence	presence	NOUN
esutjss-252	210	16	of	of	ADP
esutjss-252	210	17	positive	positive	ADJ
esutjss-252	210	18	autocorrelation	autocorrelation	NOUN
esutjss-252	210	19	in	in	ADP
esutjss-252	210	20	the	the	DET
esutjss-252	210	21	residuals	residual	NOUN
esutjss-252	210	22	.	.	PUNCT
esutjss-252	211	1	hence	hence	ADV
esutjss-252	211	2	,	,	PUNCT
esutjss-252	211	3	the	the	DET
esutjss-252	211	4	null	null	ADJ
esutjss-252	211	5	hypothesis	hypothesis	NOUN
esutjss-252	211	6	was	be	AUX
esutjss-252	211	7	rejected	reject	VERB
esutjss-252	211	8	and	and	CCONJ
esutjss-252	211	9	concluded	conclude	VERB
esutjss-252	211	10	that	that	SCONJ
esutjss-252	211	11	there	there	PRON
esutjss-252	211	12	is	be	VERB
esutjss-252	211	13	a	a	DET
esutjss-252	211	14	significant	significant	ADJ
esutjss-252	211	15	relationship	relationship	NOUN
esutjss-252	211	16	between	between	ADP
esutjss-252	211	17	insurance	insurance	NOUN
esutjss-252	211	18	premium	premium	NOUN
esutjss-252	211	19	rating	rating	NOUN
esutjss-252	211	20	and	and	CCONJ
esutjss-252	211	21	the	the	DET
esutjss-252	211	22	profitability	profitability	NOUN
esutjss-252	211	23	of	of	ADP
esutjss-252	211	24	property	property	NOUN
esutjss-252	211	25	insurance	insurance	NOUN
esutjss-252	211	26	companies	company	NOUN
esutjss-252	211	27	in	in	ADP
esutjss-252	211	28	nigeria	nigeria	PROPN
esutjss-252	211	29	hypothesis	hypothesis	NOUN
esutjss-252	211	30	two	two	NUM
esutjss-252	211	31	there	there	PRON
esutjss-252	211	32	is	be	VERB
esutjss-252	211	33	no	no	DET
esutjss-252	211	34	significant	significant	ADJ
esutjss-252	211	35	relationship	relationship	NOUN
esutjss-252	211	36	between	between	ADP
esutjss-252	211	37	insurance	insurance	NOUN
esutjss-252	211	38	premium	premium	NOUN
esutjss-252	211	39	rating	rating	NOUN
esutjss-252	211	40	and	and	CCONJ
esutjss-252	211	41	the	the	DET
esutjss-252	211	42	shareholders	shareholder	NOUN
esutjss-252	211	43	fund	fund	PROPN
esutjss-252	211	44	/	/	SYM
esutjss-252	211	45	capital	capital	NOUN
esutjss-252	211	46	adequacy	adequacy	NOUN
esutjss-252	211	47	of	of	ADP
esutjss-252	211	48	property	property	NOUN
esutjss-252	211	49	insurance	insurance	NOUN
esutjss-252	211	50	companies	company	NOUN
esutjss-252	211	51	in	in	ADP
esutjss-252	211	52	nigeria	nigeria	PROPN
esutjss-252	211	53	covariance	covariance	NOUN
esutjss-252	211	54	analysis	analysis	NOUN
esutjss-252	211	55	:	:	PUNCT
esutjss-252	211	56	ordinary	ordinary	ADJ
esutjss-252	211	57	date	date	NOUN
esutjss-252	211	58	:	:	PUNCT
esutjss-252	211	59	08/18/24	08/18/24	NUM
esutjss-252	211	60	time	time	NOUN
esutjss-252	211	61	:	:	PUNCT
esutjss-252	211	62	17:10	17:10	NUM
esutjss-252	211	63	sample	sample	NOUN
esutjss-252	211	64	:	:	PUNCT
esutjss-252	211	65	1	1	NUM
esutjss-252	211	66	180	180	NUM
esutjss-252	211	67	included	include	VERB
esutjss-252	211	68	observations	observation	NOUN
esutjss-252	211	69	:	:	PUNCT
esutjss-252	211	70	180	180	NUM
esutjss-252	211	71	correlation	correlation	NOUN
esutjss-252	211	72	pmr	pmr	NOUN
esutjss-252	211	73	shf	shf	NOUN
esutjss-252	211	74	pmr	pmr	PROPN
esutjss-252	211	75	1.000000	1.000000	NUM
esutjss-252	211	76	shf	shf	PROPN
esutjss-252	211	77	0.586552	0.586552	NUM
esutjss-252	211	78	1.000000	1.000000	NUM
esutjss-252	211	79	source	source	NOUN
esutjss-252	211	80	:	:	PUNCT
esutjss-252	211	81	researcher	researcher	NOUN
esutjss-252	211	82	’s	’s	PART
esutjss-252	211	83	computation	computation	NOUN
esutjss-252	211	84	from	from	ADP
esutjss-252	211	85	e	e	NOUN
esutjss-252	211	86	-	-	NOUN
esutjss-252	211	87	views	view	NOUN
esutjss-252	211	88	12	12	NUM
esutjss-252	211	89	the	the	DET
esutjss-252	211	90	correlation	correlation	NOUN
esutjss-252	211	91	analysis	analysis	NOUN
esutjss-252	211	92	explored	explore	VERB
esutjss-252	211	93	the	the	DET
esutjss-252	211	94	relationship	relationship	NOUN
esutjss-252	211	95	between	between	ADP
esutjss-252	211	96	premium	premium	NOUN
esutjss-252	211	97	rating	rating	NOUN
esutjss-252	211	98	(	(	PUNCT
esutjss-252	211	99	pmr	pmr	NOUN
esutjss-252	211	100	)	)	PUNCT
esutjss-252	211	101	and	and	CCONJ
esutjss-252	211	102	shareholder	shareholder	NOUN
esutjss-252	211	103	's	's	PART
esutjss-252	211	104	fund	fund	NOUN
esutjss-252	211	105	/	/	SYM
esutjss-252	211	106	capital	capital	NOUN
esutjss-252	211	107	adequacy	adequacy	NOUN
esutjss-252	211	108	(	(	PUNCT
esutjss-252	211	109	shf	shf	PROPN
esutjss-252	211	110	)	)	PUNCT
esutjss-252	211	111	based	base	VERB
esutjss-252	211	112	on	on	ADP
esutjss-252	211	113	a	a	DET
esutjss-252	211	114	sample	sample	NOUN
esutjss-252	211	115	of	of	ADP
esutjss-252	211	116	180	180	NUM
esutjss-252	211	117	observations	observation	NOUN
esutjss-252	211	118	.	.	PUNCT
esutjss-252	212	1	the	the	DET
esutjss-252	212	2	analysis	analysis	NOUN
esutjss-252	212	3	revealed	reveal	VERB
esutjss-252	212	4	a	a	DET
esutjss-252	212	5	correlation	correlation	NOUN
esutjss-252	212	6	coefficient	coefficient	NOUN
esutjss-252	212	7	of	of	ADP
esutjss-252	212	8	0.586552	0.586552	NUM
esutjss-252	212	9	between	between	ADP
esutjss-252	212	10	premium	premium	NOUN
esutjss-252	212	11	rating	rating	NOUN
esutjss-252	212	12	and	and	CCONJ
esutjss-252	212	13	shareholder	shareholder	NOUN
esutjss-252	212	14	's	's	PART
esutjss-252	212	15	fund	fund	NOUN
esutjss-252	212	16	.	.	PUNCT
esutjss-252	213	1	this	this	DET
esutjss-252	213	2	positive	positive	ADJ
esutjss-252	213	3	value	value	NOUN
esutjss-252	213	4	indicates	indicate	VERB
esutjss-252	213	5	a	a	DET
esutjss-252	213	6	moderate	moderate	ADJ
esutjss-252	213	7	to	to	ADP
esutjss-252	213	8	strong	strong	ADJ
esutjss-252	213	9	relationship	relationship	NOUN
esutjss-252	213	10	between	between	ADP
esutjss-252	213	11	the	the	DET
esutjss-252	213	12	two	two	NUM
esutjss-252	213	13	variables	variable	NOUN
esutjss-252	213	14	.	.	PUNCT
esutjss-252	214	1	specifically	specifically	ADV
esutjss-252	214	2	,	,	PUNCT
esutjss-252	214	3	as	as	ADP
esutjss-252	214	4	shareholder	shareholder	NOUN
esutjss-252	214	5	's	's	PART
esutjss-252	214	6	fund	fund	NOUN
esutjss-252	214	7	increases	increase	NOUN
esutjss-252	214	8	,	,	PUNCT
esutjss-252	214	9	premium	premium	NOUN
esutjss-252	214	10	rating	rating	NOUN
esutjss-252	214	11	tends	tend	VERB
esutjss-252	214	12	to	to	PART
esutjss-252	214	13	rise	rise	VERB
esutjss-252	214	14	as	as	ADV
esutjss-252	214	15	well	well	ADV
esutjss-252	214	16	.	.	PUNCT
esutjss-252	215	1	this	this	PRON
esutjss-252	215	2	suggests	suggest	VERB
esutjss-252	215	3	that	that	SCONJ
esutjss-252	215	4	higher	high	ADJ
esutjss-252	215	5	levels	level	NOUN
esutjss-252	215	6	of	of	ADP
esutjss-252	215	7	capital	capital	NOUN
esutjss-252	215	8	adequacy	adequacy	NOUN
esutjss-252	215	9	within	within	ADP
esutjss-252	215	10	insurance	insurance	NOUN
esutjss-252	215	11	companies	company	NOUN
esutjss-252	215	12	are	be	AUX
esutjss-252	215	13	associated	associate	VERB
esutjss-252	215	14	with	with	ADP
esutjss-252	215	15	higher	high	ADJ
esutjss-252	215	16	premium	premium	NOUN
esutjss-252	215	17	ratings	rating	NOUN
esutjss-252	215	18	.	.	PUNCT
esutjss-252	216	1	in	in	ADP
esutjss-252	216	2	other	other	ADJ
esutjss-252	216	3	words	word	NOUN
esutjss-252	216	4	,	,	PUNCT
esutjss-252	216	5	insurance	insurance	NOUN
esutjss-252	216	6	companies	company	NOUN
esutjss-252	216	7	with	with	ADP
esutjss-252	216	8	more	more	ADV
esutjss-252	216	9	substantial	substantial	ADJ
esutjss-252	216	10	shareholder	shareholder	NOUN
esutjss-252	216	11	's	's	PART
esutjss-252	216	12	funds	fund	NOUN
esutjss-252	216	13	generally	generally	ADV
esutjss-252	216	14	achieve	achieve	VERB
esutjss-252	216	15	better	well	ADJ
esutjss-252	216	16	premium	premium	NOUN
esutjss-252	216	17	ratings	rating	NOUN
esutjss-252	216	18	.	.	PUNCT
esutjss-252	217	1	the	the	DET
esutjss-252	217	2	correlation	correlation	NOUN
esutjss-252	217	3	coefficient	coefficient	NOUN
esutjss-252	217	4	,	,	PUNCT
esutjss-252	217	5	being	be	AUX
esutjss-252	217	6	closer	close	ADJ
esutjss-252	217	7	to	to	ADP
esutjss-252	217	8	1	1	NUM
esutjss-252	217	9	,	,	PUNCT
esutjss-252	217	10	reflects	reflect	VERB
esutjss-252	217	11	a	a	DET
esutjss-252	217	12	significant	significant	ADJ
esutjss-252	217	13	positive	positive	ADJ
esutjss-252	217	14	association	association	NOUN
esutjss-252	217	15	.	.	PUNCT
esutjss-252	218	1	hence	hence	ADV
esutjss-252	218	2	,	,	PUNCT
esutjss-252	218	3	the	the	DET
esutjss-252	218	4	null	null	ADJ
esutjss-252	218	5	hypothesis	hypothesis	NOUN
esutjss-252	218	6	was	be	AUX
esutjss-252	218	7	rejected	reject	VERB
esutjss-252	218	8	and	and	CCONJ
esutjss-252	218	9	concluded	conclude	VERB
esutjss-252	218	10	that	that	SCONJ
esutjss-252	218	11	there	there	PRON
esutjss-252	218	12	is	be	VERB
esutjss-252	218	13	a	a	DET
esutjss-252	218	14	significant	significant	ADJ
esutjss-252	218	15	relationship	relationship	NOUN
esutjss-252	218	16	between	between	ADP
esutjss-252	218	17	insurance	insurance	NOUN
esutjss-252	218	18	premium	premium	NOUN
esutjss-252	218	19	rating	rating	NOUN
esutjss-252	218	20	and	and	CCONJ
esutjss-252	218	21	the	the	DET
esutjss-252	218	22	shareholders	shareholder	NOUN
esutjss-252	218	23	fund	fund	PROPN
esutjss-252	218	24	/	/	SYM
esutjss-252	218	25	capital	capital	NOUN
esutjss-252	218	26	adequacy	adequacy	NOUN
esutjss-252	218	27	of	of	ADP
esutjss-252	218	28	property	property	NOUN
esutjss-252	218	29	insurance	insurance	NOUN
esutjss-252	218	30	companies	company	NOUN
esutjss-252	218	31	in	in	ADP
esutjss-252	218	32	nigeria	nigeria	PROPN
esutjss-252	218	33	in	in	ADP
esutjss-252	218	34	conclusion	conclusion	NOUN
esutjss-252	218	35	,	,	PUNCT
esutjss-252	218	36	the	the	DET
esutjss-252	218	37	regression	regression	NOUN
esutjss-252	218	38	analysis	analysis	NOUN
esutjss-252	218	39	shows	show	VERB
esutjss-252	218	40	a	a	DET
esutjss-252	218	41	statistically	statistically	ADV
esutjss-252	218	42	significant	significant	ADJ
esutjss-252	218	43	but	but	CCONJ
esutjss-252	218	44	minimal	minimal	ADJ
esutjss-252	218	45	effect	effect	NOUN
esutjss-252	218	46	of	of	ADP
esutjss-252	218	47	investment	investment	NOUN
esutjss-252	218	48	portfolio	portfolio	NOUN
esutjss-252	218	49	on	on	ADP
esutjss-252	218	50	premium	premium	NOUN
esutjss-252	218	51	rating	rating	NOUN
esutjss-252	218	52	,	,	PUNCT
esutjss-252	218	53	with	with	ADP
esutjss-252	218	54	a	a	DET
esutjss-252	218	55	coefficient	coefficient	NOUN
esutjss-252	218	56	of	of	ADP
esutjss-252	218	57	0.0000373	0.0000373	NUM
esutjss-252	218	58	.	.	PUNCT
esutjss-252	219	1	the	the	DET
esutjss-252	219	2	r	r	NOUN
esutjss-252	219	3	-	-	PUNCT
esutjss-252	219	4	squared	square	VERB
esutjss-252	219	5	value	value	NOUN
esutjss-252	219	6	of	of	ADP
esutjss-252	219	7	0.1566	0.1566	NUM
esutjss-252	219	8	implies	imply	VERB
esutjss-252	219	9	that	that	SCONJ
esutjss-252	219	10	only	only	ADV
esutjss-252	219	11	15.66	15.66	NUM
esutjss-252	219	12	%	%	NOUN
esutjss-252	219	13	of	of	ADP
esutjss-252	219	14	the	the	DET
esutjss-252	219	15	variability	variability	NOUN
esutjss-252	219	16	in	in	ADP
esutjss-252	219	17	premium	premium	NOUN
esutjss-252	219	18	rating	rating	NOUN
esutjss-252	219	19	is	be	AUX
esutjss-252	219	20	explained	explain	VERB
esutjss-252	219	21	by	by	ADP
esutjss-252	219	22	changes	change	NOUN
esutjss-252	219	23	in	in	ADP
esutjss-252	219	24	the	the	DET
esutjss-252	219	25	investment	investment	NOUN
esutjss-252	219	26	portfolio	portfolio	NOUN
esutjss-252	219	27	.	.	PUNCT
esutjss-252	220	1	this	this	DET
esutjss-252	220	2	limited	limited	ADJ
esutjss-252	220	3	explanatory	explanatory	ADJ
esutjss-252	220	4	power	power	NOUN
esutjss-252	220	5	suggests	suggest	VERB
esutjss-252	220	6	that	that	SCONJ
esutjss-252	220	7	while	while	SCONJ
esutjss-252	220	8	the	the	DET
esutjss-252	220	9	investment	investment	NOUN
esutjss-252	220	10	portfolio	portfolio	NOUN
esutjss-252	220	11	does	do	AUX
esutjss-252	220	12	have	have	VERB
esutjss-252	220	13	an	an	DET
esutjss-252	220	14	impact	impact	NOUN
esutjss-252	220	15	on	on	ADP
esutjss-252	220	16	premium	premium	NOUN
esutjss-252	220	17	rating	rating	NOUN
esutjss-252	220	18	,	,	PUNCT
esutjss-252	220	19	its	its	PRON
esutjss-252	220	20	influence	influence	NOUN
esutjss-252	220	21	is	be	AUX
esutjss-252	220	22	relatively	relatively	ADV
esutjss-252	220	23	small	small	ADJ
esutjss-252	220	24	compared	compare	VERB
esutjss-252	220	25	to	to	ADP
esutjss-252	220	26	other	other	ADJ
esutjss-252	220	27	factors	factor	NOUN
esutjss-252	220	28	.	.	PUNCT
esutjss-252	221	1	the	the	DET
esutjss-252	221	2	modest	modest	ADJ
esutjss-252	221	3	impact	impact	NOUN
esutjss-252	221	4	of	of	ADP
esutjss-252	221	5	investment	investment	NOUN
esutjss-252	221	6	portfolio	portfolio	NOUN
esutjss-252	221	7	on	on	ADP
esutjss-252	221	8	premium	premium	NOUN
esutjss-252	221	9	rating	rating	NOUN
esutjss-252	221	10	is	be	AUX
esutjss-252	221	11	consistent	consistent	ADJ
esutjss-252	221	12	with	with	ADP
esutjss-252	221	13	findings	finding	NOUN
esutjss-252	221	14	from	from	ADP
esutjss-252	221	15	okonkwo	okonkwo	NOUN
esutjss-252	221	16	and	and	CCONJ
esutjss-252	221	17	udeh	udeh	PROPN
esutjss-252	221	18	(	(	PUNCT
esutjss-252	221	19	2021	2021	NUM
esutjss-252	221	20	)	)	PUNCT
esutjss-252	221	21	,	,	PUNCT
esutjss-252	221	22	who	who	PRON
esutjss-252	221	23	noted	note	VERB
esutjss-252	221	24	that	that	SCONJ
esutjss-252	221	25	while	while	SCONJ
esutjss-252	221	26	investment	investment	NOUN
esutjss-252	221	27	strategies	strategy	NOUN
esutjss-252	221	28	are	be	AUX
esutjss-252	221	29	important	important	ADJ
esutjss-252	221	30	,	,	PUNCT
esutjss-252	221	31	they	they	PRON
esutjss-252	221	32	often	often	ADV
esutjss-252	221	33	play	play	VERB
esutjss-252	221	34	a	a	DET
esutjss-252	221	35	secondary	secondary	ADJ
esutjss-252	221	36	role	role	NOUN
esutjss-252	221	37	compared	compare	VERB
esutjss-252	221	38	to	to	ADP
esutjss-252	221	39	factors	factor	NOUN
esutjss-252	221	40	like	like	ADP
esutjss-252	221	41	claim	claim	NOUN
esutjss-252	221	42	settlement	settlement	NOUN
esutjss-252	221	43	and	and	CCONJ
esutjss-252	221	44	profitability	profitability	NOUN
esutjss-252	221	45	.	.	PUNCT
esutjss-252	222	1	the	the	DET
esutjss-252	222	2	low	low	ADJ
esutjss-252	222	3	r	r	NOUN
esutjss-252	222	4	-	-	PUNCT
esutjss-252	222	5	squared	square	VERB
esutjss-252	222	6	value	value	NOUN
esutjss-252	222	7	and	and	CCONJ
esutjss-252	222	8	presence	presence	NOUN
esutjss-252	222	9	of	of	ADP
esutjss-252	222	10	positive	positive	ADJ
esutjss-252	222	11	autocorrelation	autocorrelation	NOUN
esutjss-252	222	12	in	in	ADP
esutjss-252	222	13	the	the	DET
esutjss-252	222	14	residuals	residual	NOUN
esutjss-252	222	15	,	,	PUNCT
esutjss-252	222	16	as	as	SCONJ
esutjss-252	222	17	indicated	indicate	VERB
esutjss-252	222	18	by	by	ADP
esutjss-252	222	19	the	the	DET
esutjss-252	222	20	durbin	durbin	ADJ
esutjss-252	222	21	-	-	PUNCT
esutjss-252	222	22	watson	watson	PROPN
esutjss-252	222	23	statistic	statistic	NOUN
esutjss-252	222	24	,	,	PUNCT
esutjss-252	222	25	suggest	suggest	VERB
esutjss-252	222	26	that	that	SCONJ
esutjss-252	222	27	the	the	DET
esutjss-252	222	28	226	226	NUM
esutjss-252	222	29	model	model	NOUN
esutjss-252	222	30	might	might	AUX
esutjss-252	222	31	be	be	AUX
esutjss-252	222	32	missing	miss	VERB
esutjss-252	222	33	other	other	ADJ
esutjss-252	222	34	important	important	ADJ
esutjss-252	222	35	variables	variable	NOUN
esutjss-252	222	36	or	or	CCONJ
esutjss-252	222	37	interactions	interaction	NOUN
esutjss-252	222	38	.	.	PUNCT
esutjss-252	223	1	this	this	PRON
esutjss-252	223	2	aligns	align	VERB
esutjss-252	223	3	with	with	ADP
esutjss-252	223	4	research	research	NOUN
esutjss-252	223	5	by	by	ADP
esutjss-252	223	6	ben	ben	PROPN
esutjss-252	223	7	dhiab	dhiab	PROPN
esutjss-252	223	8	(	(	PUNCT
esutjss-252	223	9	2021	2021	NUM
esutjss-252	223	10	)	)	PUNCT
esutjss-252	223	11	and	and	CCONJ
esutjss-252	223	12	others	other	NOUN
esutjss-252	223	13	who	who	PRON
esutjss-252	223	14	have	have	AUX
esutjss-252	223	15	noted	note	VERB
esutjss-252	223	16	the	the	DET
esutjss-252	223	17	challenges	challenge	NOUN
esutjss-252	223	18	of	of	ADP
esutjss-252	223	19	capturing	capture	VERB
esutjss-252	223	20	the	the	DET
esutjss-252	223	21	full	full	ADJ
esutjss-252	223	22	effects	effect	NOUN
esutjss-252	223	23	of	of	ADP
esutjss-252	223	24	investment	investment	NOUN
esutjss-252	223	25	portfolios	portfolio	NOUN
esutjss-252	223	26	on	on	ADP
esutjss-252	223	27	insurance	insurance	NOUN
esutjss-252	223	28	ratings	rating	NOUN
esutjss-252	223	29	.	.	PUNCT
esutjss-252	224	1	discussion	discussion	NOUN
esutjss-252	224	2	of	of	ADP
esutjss-252	224	3	findings	finding	NOUN
esutjss-252	224	4	the	the	DET
esutjss-252	224	5	regression	regression	NOUN
esutjss-252	224	6	analysis	analysis	NOUN
esutjss-252	224	7	demonstrates	demonstrate	VERB
esutjss-252	224	8	that	that	SCONJ
esutjss-252	224	9	profitability	profitability	NOUN
esutjss-252	224	10	has	have	VERB
esutjss-252	224	11	a	a	DET
esutjss-252	224	12	statistically	statistically	ADV
esutjss-252	224	13	significant	significant	ADJ
esutjss-252	224	14	positive	positive	ADJ
esutjss-252	224	15	effect	effect	NOUN
esutjss-252	224	16	on	on	ADP
esutjss-252	224	17	premium	premium	NOUN
esutjss-252	224	18	rating	rating	NOUN
esutjss-252	224	19	,	,	PUNCT
esutjss-252	224	20	with	with	ADP
esutjss-252	224	21	an	an	DET
esutjss-252	224	22	increase	increase	NOUN
esutjss-252	224	23	of	of	ADP
esutjss-252	224	24	0.000617	0.000617	NUM
esutjss-252	224	25	units	unit	NOUN
esutjss-252	224	26	in	in	ADP
esutjss-252	224	27	premium	premium	NOUN
esutjss-252	224	28	rating	rating	NOUN
esutjss-252	224	29	for	for	ADP
esutjss-252	224	30	every	every	DET
esutjss-252	224	31	unit	unit	NOUN
esutjss-252	224	32	increase	increase	NOUN
esutjss-252	224	33	in	in	ADP
esutjss-252	224	34	profitability	profitability	NOUN
esutjss-252	224	35	.	.	PUNCT
esutjss-252	225	1	the	the	DET
esutjss-252	225	2	model	model	NOUN
esutjss-252	225	3	explains	explain	VERB
esutjss-252	225	4	approximately	approximately	ADV
esutjss-252	225	5	32.39	32.39	NUM
esutjss-252	225	6	%	%	NOUN
esutjss-252	225	7	of	of	ADP
esutjss-252	225	8	the	the	DET
esutjss-252	225	9	variability	variability	NOUN
esutjss-252	225	10	in	in	ADP
esutjss-252	225	11	premium	premium	NOUN
esutjss-252	225	12	rating	rating	NOUN
esutjss-252	225	13	,	,	PUNCT
esutjss-252	225	14	indicating	indicate	VERB
esutjss-252	225	15	a	a	DET
esutjss-252	225	16	moderate	moderate	ADJ
esutjss-252	225	17	fit	fit	NOUN
esutjss-252	225	18	.	.	PUNCT
esutjss-252	226	1	this	this	DET
esutjss-252	226	2	finding	finding	NOUN
esutjss-252	226	3	aligns	align	VERB
esutjss-252	226	4	with	with	ADP
esutjss-252	226	5	studies	study	NOUN
esutjss-252	226	6	by	by	ADP
esutjss-252	226	7	ajijola	ajijola	PROPN
esutjss-252	226	8	,	,	PUNCT
esutjss-252	226	9	lawal	lawal	NOUN
esutjss-252	226	10	,	,	PUNCT
esutjss-252	226	11	and	and	CCONJ
esutjss-252	226	12	akindipe	akindipe	NOUN
esutjss-252	226	13	(	(	PUNCT
esutjss-252	226	14	2021	2021	NUM
esutjss-252	226	15	)	)	PUNCT
esutjss-252	226	16	and	and	CCONJ
esutjss-252	226	17	nwite	nwite	NOUN
esutjss-252	226	18	,	,	PUNCT
esutjss-252	226	19	okparaka	okparaka	X
esutjss-252	226	20	,	,	PUNCT
esutjss-252	226	21	and	and	CCONJ
esutjss-252	226	22	okeke	okeke	VERB
esutjss-252	226	23	(	(	PUNCT
esutjss-252	226	24	2020	2020	NUM
esutjss-252	226	25	)	)	PUNCT
esutjss-252	226	26	,	,	PUNCT
esutjss-252	226	27	which	which	PRON
esutjss-252	226	28	highlight	highlight	VERB
esutjss-252	226	29	that	that	DET
esutjss-252	226	30	profitability	profitability	NOUN
esutjss-252	226	31	is	be	AUX
esutjss-252	226	32	a	a	DET
esutjss-252	226	33	key	key	ADJ
esutjss-252	226	34	determinant	determinant	NOUN
esutjss-252	226	35	of	of	ADP
esutjss-252	226	36	insurance	insurance	NOUN
esutjss-252	226	37	company	company	NOUN
esutjss-252	226	38	ratings	rating	NOUN
esutjss-252	226	39	.	.	PUNCT
esutjss-252	227	1	higher	high	ADJ
esutjss-252	227	2	profitability	profitability	NOUN
esutjss-252	227	3	often	often	ADV
esutjss-252	227	4	reflects	reflect	VERB
esutjss-252	227	5	better	well	ADJ
esutjss-252	227	6	financial	financial	ADJ
esutjss-252	227	7	health	health	NOUN
esutjss-252	227	8	and	and	CCONJ
esutjss-252	227	9	operational	operational	ADJ
esutjss-252	227	10	efficiency	efficiency	NOUN
esutjss-252	227	11	,	,	PUNCT
esutjss-252	227	12	which	which	PRON
esutjss-252	227	13	positively	positively	ADV
esutjss-252	227	14	influences	influence	VERB
esutjss-252	227	15	premium	premium	NOUN
esutjss-252	227	16	ratings	rating	NOUN
esutjss-252	227	17	.	.	PUNCT
esutjss-252	228	1	however	however	ADV
esutjss-252	228	2	,	,	PUNCT
esutjss-252	228	3	the	the	DET
esutjss-252	228	4	durbin	durbin	ADJ
esutjss-252	228	5	-	-	PUNCT
esutjss-252	228	6	watson	watson	PROPN
esutjss-252	228	7	statistic	statistic	NOUN
esutjss-252	228	8	of	of	ADP
esutjss-252	228	9	1.038344	1.038344	NUM
esutjss-252	228	10	suggests	suggest	VERB
esutjss-252	228	11	the	the	DET
esutjss-252	228	12	potential	potential	ADJ
esutjss-252	228	13	presence	presence	NOUN
esutjss-252	228	14	of	of	ADP
esutjss-252	228	15	positive	positive	ADJ
esutjss-252	228	16	autocorrelation	autocorrelation	NOUN
esutjss-252	228	17	,	,	PUNCT
esutjss-252	228	18	which	which	PRON
esutjss-252	228	19	could	could	AUX
esutjss-252	228	20	affect	affect	VERB
esutjss-252	228	21	the	the	DET
esutjss-252	228	22	reliability	reliability	NOUN
esutjss-252	228	23	of	of	ADP
esutjss-252	228	24	the	the	DET
esutjss-252	228	25	model	model	NOUN
esutjss-252	228	26	’s	’s	PART
esutjss-252	228	27	predictions	prediction	NOUN
esutjss-252	228	28	.	.	PUNCT
esutjss-252	229	1	this	this	DET
esutjss-252	229	2	observation	observation	NOUN
esutjss-252	229	3	is	be	AUX
esutjss-252	229	4	consistent	consistent	ADJ
esutjss-252	229	5	with	with	ADP
esutjss-252	229	6	the	the	DET
esutjss-252	229	7	broader	broad	ADJ
esutjss-252	229	8	literature	literature	NOUN
esutjss-252	229	9	indicating	indicate	VERB
esutjss-252	229	10	that	that	SCONJ
esutjss-252	229	11	profitability	profitability	NOUN
esutjss-252	229	12	models	model	NOUN
esutjss-252	229	13	may	may	AUX
esutjss-252	229	14	need	need	VERB
esutjss-252	229	15	to	to	PART
esutjss-252	229	16	account	account	VERB
esutjss-252	229	17	for	for	ADP
esutjss-252	229	18	additional	additional	ADJ
esutjss-252	229	19	factors	factor	NOUN
esutjss-252	229	20	and	and	CCONJ
esutjss-252	229	21	potential	potential	ADJ
esutjss-252	229	22	autocorrelation	autocorrelation	NOUN
esutjss-252	229	23	issues	issue	NOUN
esutjss-252	229	24	(	(	PUNCT
esutjss-252	229	25	sanni	sanni	PROPN
esutjss-252	229	26	,	,	PUNCT
esutjss-252	229	27	2019).the	2019).the	PRON
esutjss-252	229	28	correlation	correlation	NOUN
esutjss-252	229	29	analysis	analysis	NOUN
esutjss-252	229	30	shows	show	VERB
esutjss-252	229	31	a	a	DET
esutjss-252	229	32	moderate	moderate	ADJ
esutjss-252	229	33	to	to	ADP
esutjss-252	229	34	strong	strong	ADJ
esutjss-252	229	35	positive	positive	ADJ
esutjss-252	229	36	relationship	relationship	NOUN
esutjss-252	229	37	(	(	PUNCT
esutjss-252	229	38	0.586552	0.586552	NUM
esutjss-252	229	39	)	)	PUNCT
esutjss-252	229	40	between	between	ADP
esutjss-252	229	41	premium	premium	NOUN
esutjss-252	229	42	rating	rating	NOUN
esutjss-252	229	43	and	and	CCONJ
esutjss-252	229	44	shareholder	shareholder	NOUN
esutjss-252	229	45	's	's	PART
esutjss-252	229	46	fund	fund	NOUN
esutjss-252	229	47	.	.	PUNCT
esutjss-252	230	1	this	this	PRON
esutjss-252	230	2	suggests	suggest	VERB
esutjss-252	230	3	that	that	SCONJ
esutjss-252	230	4	higher	high	ADJ
esutjss-252	230	5	levels	level	NOUN
esutjss-252	230	6	of	of	ADP
esutjss-252	230	7	capital	capital	NOUN
esutjss-252	230	8	adequacy	adequacy	NOUN
esutjss-252	230	9	are	be	AUX
esutjss-252	230	10	associated	associate	VERB
esutjss-252	230	11	with	with	ADP
esutjss-252	230	12	better	well	ADJ
esutjss-252	230	13	premium	premium	ADJ
esutjss-252	230	14	ratings	rating	NOUN
esutjss-252	230	15	.	.	PUNCT
esutjss-252	231	1	this	this	DET
esutjss-252	231	2	result	result	NOUN
esutjss-252	231	3	supports	support	VERB
esutjss-252	231	4	existing	exist	VERB
esutjss-252	231	5	research	research	NOUN
esutjss-252	231	6	that	that	PRON
esutjss-252	231	7	emphasizes	emphasize	VERB
esutjss-252	231	8	the	the	DET
esutjss-252	231	9	importance	importance	NOUN
esutjss-252	231	10	of	of	ADP
esutjss-252	231	11	capital	capital	NOUN
esutjss-252	231	12	adequacy	adequacy	NOUN
esutjss-252	231	13	in	in	ADP
esutjss-252	231	14	determining	determine	VERB
esutjss-252	231	15	insurance	insurance	NOUN
esutjss-252	231	16	company	company	NOUN
esutjss-252	231	17	ratings	rating	NOUN
esutjss-252	231	18	.	.	PUNCT
esutjss-252	232	1	studies	study	NOUN
esutjss-252	232	2	such	such	ADJ
esutjss-252	232	3	as	as	ADP
esutjss-252	232	4	those	those	PRON
esutjss-252	232	5	by	by	ADP
esutjss-252	232	6	morara	morara	NOUN
esutjss-252	232	7	and	and	CCONJ
esutjss-252	232	8	sibindi	sibindi	X
esutjss-252	232	9	(	(	PUNCT
esutjss-252	232	10	2021	2021	NUM
esutjss-252	232	11	)	)	PUNCT
esutjss-252	232	12	and	and	CCONJ
esutjss-252	232	13	singh	singh	NOUN
esutjss-252	232	14	and	and	CCONJ
esutjss-252	232	15	bathla	bathla	PROPN
esutjss-252	232	16	(	(	PUNCT
esutjss-252	232	17	2023	2023	NUM
esutjss-252	232	18	)	)	PUNCT
esutjss-252	232	19	have	have	AUX
esutjss-252	232	20	shown	show	VERB
esutjss-252	232	21	that	that	SCONJ
esutjss-252	232	22	adequate	adequate	ADJ
esutjss-252	232	23	capital	capital	NOUN
esutjss-252	232	24	reserves	reserve	NOUN
esutjss-252	232	25	contribute	contribute	VERB
esutjss-252	232	26	to	to	ADP
esutjss-252	232	27	financial	financial	ADJ
esutjss-252	232	28	stability	stability	NOUN
esutjss-252	232	29	and	and	CCONJ
esutjss-252	232	30	enhance	enhance	VERB
esutjss-252	232	31	the	the	DET
esutjss-252	232	32	insurance	insurance	NOUN
esutjss-252	232	33	company	company	NOUN
esutjss-252	232	34	’s	’s	PART
esutjss-252	232	35	ability	ability	NOUN
esutjss-252	232	36	to	to	PART
esutjss-252	232	37	manage	manage	VERB
esutjss-252	232	38	risk	risk	NOUN
esutjss-252	232	39	,	,	PUNCT
esutjss-252	232	40	leading	lead	VERB
esutjss-252	232	41	to	to	ADP
esutjss-252	232	42	higher	high	ADJ
esutjss-252	232	43	premium	premium	NOUN
esutjss-252	232	44	ratings	rating	NOUN
esutjss-252	232	45	.	.	PUNCT
esutjss-252	233	1	the	the	DET
esutjss-252	233	2	positive	positive	ADJ
esutjss-252	233	3	correlation	correlation	NOUN
esutjss-252	233	4	observed	observe	VERB
esutjss-252	233	5	in	in	ADP
esutjss-252	233	6	this	this	DET
esutjss-252	233	7	analysis	analysis	NOUN
esutjss-252	233	8	aligns	align	VERB
esutjss-252	233	9	with	with	ADP
esutjss-252	233	10	these	these	DET
esutjss-252	233	11	findings	finding	NOUN
esutjss-252	233	12	,	,	PUNCT
esutjss-252	233	13	highlighting	highlight	VERB
esutjss-252	233	14	the	the	DET
esutjss-252	233	15	role	role	NOUN
esutjss-252	233	16	of	of	ADP
esutjss-252	233	17	capital	capital	NOUN
esutjss-252	233	18	adequacy	adequacy	NOUN
esutjss-252	233	19	in	in	ADP
esutjss-252	233	20	supporting	support	VERB
esutjss-252	233	21	better	well	ADJ
esutjss-252	233	22	insurance	insurance	NOUN
esutjss-252	233	23	ratings	rating	NOUN
esutjss-252	233	24	.	.	PUNCT
esutjss-252	234	1	conclusion	conclusion	VERB
esutjss-252	234	2	the	the	DET
esutjss-252	234	3	assessment	assessment	NOUN
esutjss-252	234	4	of	of	ADP
esutjss-252	234	5	fire	fire	NOUN
esutjss-252	234	6	insurance	insurance	NOUN
esutjss-252	234	7	ratings	rating	NOUN
esutjss-252	234	8	is	be	AUX
esutjss-252	234	9	vital	vital	ADJ
esutjss-252	234	10	for	for	ADP
esutjss-252	234	11	both	both	DET
esutjss-252	234	12	insurers	insurer	NOUN
esutjss-252	234	13	and	and	CCONJ
esutjss-252	234	14	policyholders	policyholder	NOUN
esutjss-252	234	15	in	in	ADP
esutjss-252	234	16	determining	determine	VERB
esutjss-252	234	17	the	the	DET
esutjss-252	234	18	risks	risk	NOUN
esutjss-252	234	19	associated	associate	VERB
esutjss-252	234	20	with	with	ADP
esutjss-252	234	21	insuring	insure	VERB
esutjss-252	234	22	against	against	ADP
esutjss-252	234	23	fire	fire	NOUN
esutjss-252	234	24	-	-	PUNCT
esutjss-252	234	25	related	relate	VERB
esutjss-252	234	26	incidents	incident	NOUN
esutjss-252	234	27	.	.	PUNCT
esutjss-252	235	1	in	in	ADP
esutjss-252	235	2	nigeria	nigeria	PROPN
esutjss-252	235	3	,	,	PUNCT
esutjss-252	235	4	where	where	SCONJ
esutjss-252	235	5	the	the	DET
esutjss-252	235	6	insurance	insurance	NOUN
esutjss-252	235	7	industry	industry	NOUN
esutjss-252	235	8	has	have	AUX
esutjss-252	235	9	been	be	AUX
esutjss-252	235	10	evolving	evolve	VERB
esutjss-252	235	11	,	,	PUNCT
esutjss-252	235	12	understanding	understand	VERB
esutjss-252	235	13	the	the	DET
esutjss-252	235	14	dynamics	dynamic	NOUN
esutjss-252	235	15	of	of	ADP
esutjss-252	235	16	fire	fire	NOUN
esutjss-252	235	17	insurance	insurance	NOUN
esutjss-252	235	18	ratings	rating	NOUN
esutjss-252	235	19	is	be	AUX
esutjss-252	235	20	essential	essential	ADJ
esutjss-252	235	21	for	for	ADP
esutjss-252	235	22	ensuring	ensure	VERB
esutjss-252	235	23	a	a	DET
esutjss-252	235	24	stable	stable	ADJ
esutjss-252	235	25	and	and	CCONJ
esutjss-252	235	26	competitive	competitive	ADJ
esutjss-252	235	27	market	market	NOUN
esutjss-252	235	28	.	.	PUNCT
esutjss-252	236	1	this	this	DET
esutjss-252	236	2	analysis	analysis	NOUN
esutjss-252	236	3	,	,	PUNCT
esutjss-252	236	4	focused	focus	VERB
esutjss-252	236	5	on	on	ADP
esutjss-252	236	6	the	the	DET
esutjss-252	236	7	pre	pre	ADJ
esutjss-252	236	8	-	-	ADJ
esutjss-252	236	9	covid	covid	ADJ
esutjss-252	236	10	era	era	NOUN
esutjss-252	236	11	,	,	PUNCT
esutjss-252	236	12	highlights	highlight	VERB
esutjss-252	236	13	the	the	DET
esutjss-252	236	14	challenges	challenge	NOUN
esutjss-252	236	15	faced	face	VERB
esutjss-252	236	16	by	by	ADP
esutjss-252	236	17	nigerian	nigerian	ADJ
esutjss-252	236	18	fire	fire	NOUN
esutjss-252	236	19	insurers	insurer	NOUN
esutjss-252	236	20	,	,	PUNCT
esutjss-252	236	21	particularly	particularly	ADV
esutjss-252	236	22	the	the	DET
esutjss-252	236	23	limitations	limitation	NOUN
esutjss-252	236	24	in	in	ADP
esutjss-252	236	25	accessing	access	VERB
esutjss-252	236	26	real	real	ADJ
esutjss-252	236	27	-	-	PUNCT
esutjss-252	236	28	time	time	NOUN
esutjss-252	236	29	data	datum	NOUN
esutjss-252	236	30	,	,	PUNCT
esutjss-252	236	31	which	which	PRON
esutjss-252	236	32	hindered	hinder	VERB
esutjss-252	236	33	accurate	accurate	ADJ
esutjss-252	236	34	risk	risk	NOUN
esutjss-252	236	35	assessment	assessment	NOUN
esutjss-252	236	36	.	.	PUNCT
esutjss-252	237	1	the	the	DET
esutjss-252	237	2	study	study	NOUN
esutjss-252	237	3	examined	examine	VERB
esutjss-252	237	4	the	the	DET
esutjss-252	237	5	relationship	relationship	NOUN
esutjss-252	237	6	between	between	ADP
esutjss-252	237	7	fire	fire	NOUN
esutjss-252	237	8	insurance	insurance	NOUN
esutjss-252	237	9	ratings	rating	NOUN
esutjss-252	237	10	and	and	CCONJ
esutjss-252	237	11	the	the	DET
esutjss-252	237	12	performance	performance	NOUN
esutjss-252	237	13	of	of	ADP
esutjss-252	237	14	the	the	DET
esutjss-252	237	15	property	property	NOUN
esutjss-252	237	16	insurance	insurance	NOUN
esutjss-252	237	17	market	market	NOUN
esutjss-252	237	18	in	in	ADP
esutjss-252	237	19	nigeria	nigeria	PROPN
esutjss-252	237	20	,	,	PUNCT
esutjss-252	237	21	using	use	VERB
esutjss-252	237	22	key	key	ADJ
esutjss-252	237	23	variables	variable	NOUN
esutjss-252	237	24	such	such	ADJ
esutjss-252	237	25	as	as	ADP
esutjss-252	237	26	claim	claim	NOUN
esutjss-252	237	27	settlement	settlement	NOUN
esutjss-252	237	28	(	(	PUNCT
esutjss-252	237	29	clm	clm	NOUN
esutjss-252	237	30	)	)	PUNCT
esutjss-252	237	31	,	,	PUNCT
esutjss-252	237	32	investment	investment	NOUN
esutjss-252	237	33	portfolio	portfolio	NOUN
esutjss-252	237	34	(	(	PUNCT
esutjss-252	237	35	inv	inv	PROPN
esutjss-252	237	36	)	)	PUNCT
esutjss-252	237	37	,	,	PUNCT
esutjss-252	237	38	profitability	profitability	NOUN
esutjss-252	237	39	(	(	PUNCT
esutjss-252	237	40	pbt	pbt	PROPN
esutjss-252	237	41	)	)	PUNCT
esutjss-252	237	42	,	,	PUNCT
esutjss-252	237	43	premium	premium	NOUN
esutjss-252	237	44	income	income	NOUN
esutjss-252	237	45	(	(	PUNCT
esutjss-252	237	46	pif	pif	NOUN
esutjss-252	237	47	)	)	PUNCT
esutjss-252	237	48	,	,	PUNCT
esutjss-252	237	49	premium	premium	NOUN
esutjss-252	237	50	rating	rating	NOUN
esutjss-252	237	51	(	(	PUNCT
esutjss-252	237	52	pmr	pmr	NOUN
esutjss-252	237	53	)	)	PUNCT
esutjss-252	237	54	,	,	PUNCT
esutjss-252	237	55	and	and	CCONJ
esutjss-252	237	56	shareholder	shareholder	NOUN
esutjss-252	237	57	's	's	PART
esutjss-252	237	58	fund	fund	NOUN
esutjss-252	237	59	(	(	PUNCT
esutjss-252	237	60	shf	shf	PROPN
esutjss-252	237	61	)	)	PUNCT
esutjss-252	237	62	.	.	PUNCT
esutjss-252	238	1	the	the	DET
esutjss-252	238	2	analysis	analysis	NOUN
esutjss-252	238	3	,	,	PUNCT
esutjss-252	238	4	based	base	VERB
esutjss-252	238	5	on	on	ADP
esutjss-252	238	6	data	datum	NOUN
esutjss-252	238	7	from	from	ADP
esutjss-252	238	8	the	the	DET
esutjss-252	238	9	audited	audit	VERB
esutjss-252	238	10	financial	financial	ADJ
esutjss-252	238	11	statements	statement	NOUN
esutjss-252	238	12	of	of	ADP
esutjss-252	238	13	15	15	NUM
esutjss-252	238	14	licensed	licensed	ADJ
esutjss-252	238	15	general	general	ADJ
esutjss-252	238	16	insurance	insurance	NOUN
esutjss-252	238	17	companies	company	NOUN
esutjss-252	238	18	in	in	ADP
esutjss-252	238	19	nigeria	nigeria	PROPN
esutjss-252	238	20	over	over	ADP
esutjss-252	238	21	a	a	DET
esutjss-252	238	22	20	20	NUM
esutjss-252	238	23	-	-	PUNCT
esutjss-252	238	24	year	year	NOUN
esutjss-252	238	25	period	period	NOUN
esutjss-252	238	26	(	(	PUNCT
esutjss-252	238	27	1999	1999	NUM
esutjss-252	238	28	-	-	SYM
esutjss-252	238	29	2019	2019	NUM
esutjss-252	238	30	)	)	PUNCT
esutjss-252	238	31	,	,	PUNCT
esutjss-252	238	32	revealed	reveal	VERB
esutjss-252	238	33	significant	significant	ADJ
esutjss-252	238	34	disparities	disparity	NOUN
esutjss-252	238	35	in	in	ADP
esutjss-252	238	36	financial	financial	ADJ
esutjss-252	238	37	indicators	indicator	NOUN
esutjss-252	238	38	,	,	PUNCT
esutjss-252	238	39	reflecting	reflect	VERB
esutjss-252	238	40	a	a	DET
esutjss-252	238	41	skewed	skewed	ADJ
esutjss-252	238	42	distribution	distribution	NOUN
esutjss-252	238	43	where	where	SCONJ
esutjss-252	238	44	a	a	DET
esutjss-252	238	45	few	few	ADJ
esutjss-252	238	46	companies	company	NOUN
esutjss-252	238	47	dominate	dominate	VERB
esutjss-252	238	48	in	in	ADP
esutjss-252	238	49	areas	area	NOUN
esutjss-252	238	50	such	such	ADJ
esutjss-252	238	51	as	as	ADP
esutjss-252	238	52	claim	claim	NOUN
esutjss-252	238	53	settlements	settlement	NOUN
esutjss-252	238	54	,	,	PUNCT
esutjss-252	238	55	investment	investment	NOUN
esutjss-252	238	56	portfolios	portfolio	NOUN
esutjss-252	238	57	,	,	PUNCT
esutjss-252	238	58	profitability	profitability	NOUN
esutjss-252	238	59	,	,	PUNCT
esutjss-252	238	60	and	and	CCONJ
esutjss-252	238	61	premium	premium	NOUN
esutjss-252	238	62	income.the	income.the	DET
esutjss-252	238	63	study	study	NOUN
esutjss-252	238	64	also	also	ADV
esutjss-252	238	65	established	establish	VERB
esutjss-252	238	66	a	a	DET
esutjss-252	238	67	significant	significant	ADJ
esutjss-252	238	68	relationship	relationship	NOUN
esutjss-252	238	69	between	between	ADP
esutjss-252	238	70	adequate	adequate	ADJ
esutjss-252	238	71	premium	premium	NOUN
esutjss-252	238	72	rating	rating	NOUN
esutjss-252	238	73	and	and	CCONJ
esutjss-252	238	74	the	the	DET
esutjss-252	238	75	investment	investment	NOUN
esutjss-252	238	76	portfolio	portfolio	NOUN
esutjss-252	238	77	,	,	PUNCT
esutjss-252	238	78	profitability	profitability	NOUN
esutjss-252	238	79	,	,	PUNCT
esutjss-252	238	80	and	and	CCONJ
esutjss-252	238	81	shareholders	shareholder	NOUN
esutjss-252	238	82	'	'	PART
esutjss-252	238	83	fund	fund	NOUN
esutjss-252	238	84	/	/	SYM
esutjss-252	238	85	capital	capital	NOUN
esutjss-252	238	86	adequacy	adequacy	NOUN
esutjss-252	238	87	as	as	ADP
esutjss-252	238	88	the	the	DET
esutjss-252	238	89	determinant	determinant	NOUN
esutjss-252	238	90	of	of	ADP
esutjss-252	238	91	property	property	NOUN
esutjss-252	238	92	insurance	insurance	NOUN
esutjss-252	238	93	.	.	PUNCT
esutjss-252	239	1	227	227	NUM
esutjss-252	239	2	references	reference	NOUN
esutjss-252	239	3	abdullahi	abdullahi	PROPN
esutjss-252	239	4	,	,	PUNCT
esutjss-252	239	5	m.	m.	NOUN
esutjss-252	239	6	(	(	PUNCT
esutjss-252	239	7	2021	2021	NUM
esutjss-252	239	8	)	)	PUNCT
esutjss-252	239	9	.	.	PUNCT
esutjss-252	240	1	the	the	DET
esutjss-252	240	2	efficient	efficient	ADJ
esutjss-252	240	3	market	market	NOUN
esutjss-252	240	4	hypothesis	hypothesis	NOUN
esutjss-252	240	5	:	:	PUNCT
esutjss-252	240	6	a	a	DET
esutjss-252	240	7	critical	critical	ADJ
esutjss-252	240	8	review	review	NOUN
esutjss-252	240	9	of	of	ADP
esutjss-252	240	10	equilibrium	equilibrium	NOUN
esutjss-252	240	11	models	model	NOUN
esutjss-252	240	12	and	and	CCONJ
esutjss-252	240	13	imperical	imperical	ADJ
esutjss-252	240	14	evidence	evidence	NOUN
esutjss-252	240	15	.	.	PUNCT
esutjss-252	241	1	african	african	ADJ
esutjss-252	241	2	scholar	scholar	PROPN
esutjss-252	241	3	journal	journal	NOUN
esutjss-252	241	4	of	of	ADP
esutjss-252	241	5	mgt	mgt	NOUN
esutjss-252	241	6	.	.	PUNCT
esutjss-252	242	1	science	science	NOUN
esutjss-252	242	2	and	and	CCONJ
esutjss-252	242	3	entrepreneurship	entrepreneurship	NOUN
esutjss-252	242	4	,	,	PUNCT
esutjss-252	242	5	23(7	23(7	NUM
esutjss-252	242	6	)	)	PUNCT
esutjss-252	242	7	.	.	PUNCT
esutjss-252	243	1	adegoke	adegoke	PROPN
esutjss-252	243	2	,	,	PUNCT
esutjss-252	243	3	m.	m.	NOUN
esutjss-252	243	4	(	(	PUNCT
esutjss-252	243	5	2020	2020	NUM
esutjss-252	243	6	)	)	PUNCT
esutjss-252	243	7	.	.	PUNCT
esutjss-252	244	1	operational	operational	ADJ
esutjss-252	244	2	risk	risk	NOUN
esutjss-252	244	3	management	management	NOUN
esutjss-252	244	4	practices	practice	NOUN
esutjss-252	244	5	and	and	CCONJ
esutjss-252	244	6	financial	financial	ADJ
esutjss-252	244	7	performance	performance	NOUN
esutjss-252	244	8	of	of	ADP
esutjss-252	244	9	micro	micro	ADJ
esutjss-252	244	10	finance	finance	NOUN
esutjss-252	244	11	banks	bank	NOUN
esutjss-252	244	12	in	in	ADP
esutjss-252	244	13	kwara	kwara	PROPN
esutjss-252	244	14	state	state	PROPN
esutjss-252	244	15	,	,	PUNCT
esutjss-252	244	16	nigeria	nigeria	PROPN
esutjss-252	244	17	(	(	PUNCT
esutjss-252	244	18	master	master	NOUN
esutjss-252	244	19	's	's	PART
esutjss-252	244	20	thesis	thesis	NOUN
esutjss-252	244	21	,	,	PUNCT
esutjss-252	244	22	kwara	kwara	PROPN
esutjss-252	244	23	state	state	PROPN
esutjss-252	244	24	university	university	PROPN
esutjss-252	244	25	(	(	PUNCT
esutjss-252	244	26	nigeria	nigeria	PROPN
esutjss-252	244	27	)	)	PUNCT
esutjss-252	244	28	)	)	PUNCT
esutjss-252	244	29	.	.	PUNCT
esutjss-252	245	1	ajijola	ajijola	PROPN
esutjss-252	245	2	,	,	PUNCT
esutjss-252	245	3	o.	o.	PROPN
esutjss-252	245	4	,	,	PUNCT
esutjss-252	245	5	lawal	lawal	PROPN
esutjss-252	245	6	,	,	PUNCT
esutjss-252	245	7	a.	a.	PROPN
esutjss-252	245	8	,	,	PUNCT
esutjss-252	245	9	&	&	CCONJ
esutjss-252	245	10	akindipe	akindipe	NOUN
esutjss-252	245	11	,	,	PUNCT
esutjss-252	245	12	t.	t.	PROPN
esutjss-252	245	13	(	(	PUNCT
esutjss-252	245	14	2021).profitability	2021).profitability	NUM
esutjss-252	245	15	as	as	ADP
esutjss-252	245	16	a	a	DET
esutjss-252	245	17	determinant	determinant	NOUN
esutjss-252	245	18	of	of	ADP
esutjss-252	245	19	insurance	insurance	NOUN
esutjss-252	245	20	company	company	NOUN
esutjss-252	245	21	ratings	rating	NOUN
esutjss-252	245	22	.	.	PUNCT
esutjss-252	246	1	journal	journal	NOUN
esutjss-252	246	2	of	of	ADP
esutjss-252	246	3	economic	economic	ADJ
esutjss-252	246	4	and	and	CCONJ
esutjss-252	246	5	financial	financial	ADJ
esutjss-252	246	6	studies	study	NOUN
esutjss-252	246	7	,	,	PUNCT
esutjss-252	246	8	34(5	34(5	PROPN
esutjss-252	246	9	)	)	PUNCT
esutjss-252	246	10	,	,	PUNCT
esutjss-252	246	11	211	211	NUM
esutjss-252	246	12	-	-	SYM
esutjss-252	246	13	230	230	NUM
esutjss-252	246	14	.	.	PUNCT
esutjss-252	247	1	akinradewo	akinradewo	NOUN
esutjss-252	247	2	,	,	PUNCT
esutjss-252	247	3	o.	o.	PROPN
esutjss-252	247	4	,	,	PUNCT
esutjss-252	247	5	aghimien	aghimien	PROPN
esutjss-252	247	6	,	,	PUNCT
esutjss-252	247	7	d.	d.	PROPN
esutjss-252	247	8	,	,	PUNCT
esutjss-252	247	9	aigbavboa	aigbavboa	PROPN
esutjss-252	247	10	,	,	PUNCT
esutjss-252	247	11	c.	c.	PROPN
esutjss-252	247	12	,	,	PUNCT
esutjss-252	247	13	&	&	CCONJ
esutjss-252	247	14	onyia	onyia	PROPN
esutjss-252	247	15	,	,	PUNCT
esutjss-252	247	16	m.	m.	NOUN
esutjss-252	247	17	(	(	PUNCT
esutjss-252	247	18	2022	2022	NUM
esutjss-252	247	19	)	)	PUNCT
esutjss-252	247	20	.	.	PUNCT
esutjss-252	248	1	factors	factor	NOUN
esutjss-252	248	2	influencing	influence	VERB
esutjss-252	248	3	the	the	DET
esutjss-252	248	4	adoption	adoption	NOUN
esutjss-252	248	5	of	of	ADP
esutjss-252	248	6	insurance	insurance	NOUN
esutjss-252	248	7	as	as	ADP
esutjss-252	248	8	a	a	DET
esutjss-252	248	9	risk	risk	NOUN
esutjss-252	248	10	treatment	treatment	NOUN
esutjss-252	248	11	tool	tool	NOUN
esutjss-252	248	12	by	by	ADP
esutjss-252	248	13	contractors	contractor	NOUN
esutjss-252	248	14	in	in	ADP
esutjss-252	248	15	the	the	DET
esutjss-252	248	16	construction	construction	NOUN
esutjss-252	248	17	industry	industry	NOUN
esutjss-252	248	18	.	.	PUNCT
esutjss-252	249	1	international	international	ADJ
esutjss-252	249	2	journal	journal	PROPN
esutjss-252	249	3	of	of	ADP
esutjss-252	249	4	construction	construction	NOUN
esutjss-252	249	5	management	management	NOUN
esutjss-252	249	6	,	,	PUNCT
esutjss-252	249	7	22(13	22(13	NUM
esutjss-252	249	8	)	)	PUNCT
esutjss-252	249	9	,	,	PUNCT
esutjss-252	249	10	2484	2484	NUM
esutjss-252	249	11	-	-	SYM
esutjss-252	249	12	2492	2492	NUM
esutjss-252	249	13	.	.	PUNCT
esutjss-252	250	1	akotey	akotey	PROPN
esutjss-252	250	2	,	,	PUNCT
esutjss-252	250	3	j.	j.	PROPN
esutjss-252	250	4	o.	o.	PROPN
esutjss-252	250	5	,	,	PUNCT
esutjss-252	250	6	osei	osei	PROPN
esutjss-252	250	7	,	,	PUNCT
esutjss-252	250	8	k.	k.	PROPN
esutjss-252	250	9	a.	a.	PROPN
esutjss-252	250	10	,	,	PUNCT
esutjss-252	250	11	&	&	CCONJ
esutjss-252	250	12	gemegah	gemegah	PROPN
esutjss-252	250	13	,	,	PUNCT
esutjss-252	250	14	a.	a.	NOUN
esutjss-252	250	15	(	(	PUNCT
esutjss-252	250	16	2013).the	2013).the	DET
esutjss-252	250	17	demand	demand	NOUN
esutjss-252	250	18	for	for	ADP
esutjss-252	250	19	microinsurance	microinsurance	NOUN
esutjss-252	250	20	in	in	ADP
esutjss-252	250	21	ghana.journal	ghana.journal	ADJ
esutjss-252	250	22	of	of	ADP
esutjss-252	250	23	risk	risk	NOUN
esutjss-252	250	24	finance	finance	NOUN
esutjss-252	250	25	,	,	PUNCT
esutjss-252	250	26	14(3	14(3	NUM
esutjss-252	250	27	)	)	PUNCT
esutjss-252	250	28	,	,	PUNCT
esutjss-252	250	29	255	255	NUM
esutjss-252	250	30	-	-	SYM
esutjss-252	250	31	271	271	NUM
esutjss-252	250	32	.	.	PUNCT
esutjss-252	251	1	ben	ben	PROPN
esutjss-252	251	2	dhiab	dhiab	PROPN
esutjss-252	251	3	,	,	PUNCT
esutjss-252	251	4	e.	e.	PROPN
esutjss-252	251	5	(	(	PUNCT
esutjss-252	251	6	2021	2021	NUM
esutjss-252	251	7	)	)	PUNCT
esutjss-252	251	8	.	.	PUNCT
esutjss-252	252	1	challenges	challenge	NOUN
esutjss-252	252	2	in	in	ADP
esutjss-252	252	3	modeling	model	VERB
esutjss-252	252	4	the	the	DET
esutjss-252	252	5	effects	effect	NOUN
esutjss-252	252	6	of	of	ADP
esutjss-252	252	7	investment	investment	NOUN
esutjss-252	252	8	portfolios	portfolio	NOUN
esutjss-252	252	9	on	on	ADP
esutjss-252	252	10	insurance	insurance	NOUN
esutjss-252	252	11	ratings	rating	NOUN
esutjss-252	252	12	.	.	PUNCT
esutjss-252	253	1	the	the	DET
esutjss-252	253	2	journal	journal	NOUN
esutjss-252	253	3	of	of	ADP
esutjss-252	253	4	risk	risk	NOUN
esutjss-252	253	5	and	and	CCONJ
esutjss-252	253	6	insurance	insurance	NOUN
esutjss-252	253	7	,	,	PUNCT
esutjss-252	253	8	88(2	88(2	NUM
esutjss-252	253	9	)	)	PUNCT
esutjss-252	253	10	,	,	PUNCT
esutjss-252	253	11	134	134	NUM
esutjss-252	253	12	-	-	SYM
esutjss-252	253	13	156	156	NUM
esutjss-252	253	14	.	.	PUNCT
esutjss-252	254	1	bikker	bikker	PROPN
esutjss-252	254	2	,	,	PUNCT
esutjss-252	254	3	j.	j.	PROPN
esutjss-252	254	4	a.	a.	PROPN
esutjss-252	254	5	,	,	PUNCT
esutjss-252	254	6	&	&	CCONJ
esutjss-252	254	7	popescu	popescu	PROPN
esutjss-252	254	8	,	,	PUNCT
esutjss-252	254	9	a.	a.	NOUN
esutjss-252	254	10	(	(	PUNCT
esutjss-252	254	11	2014	2014	NUM
esutjss-252	254	12	)	)	PUNCT
esutjss-252	254	13	.	.	PUNCT
esutjss-252	255	1	efficiency	efficiency	NOUN
esutjss-252	255	2	and	and	CCONJ
esutjss-252	255	3	competition	competition	NOUN
esutjss-252	255	4	in	in	ADP
esutjss-252	255	5	the	the	DET
esutjss-252	255	6	dutch	dutch	ADJ
esutjss-252	255	7	non	non	ADJ
esutjss-252	255	8	-	-	ADJ
esutjss-252	255	9	life	life	ADJ
esutjss-252	255	10	insurance	insurance	NOUN
esutjss-252	255	11	industry	industry	NOUN
esutjss-252	255	12	:	:	PUNCT
esutjss-252	255	13	effects	effect	NOUN
esutjss-252	255	14	of	of	ADP
esutjss-252	255	15	the	the	DET
esutjss-252	255	16	2006	2006	NUM
esutjss-252	255	17	health	health	NOUN
esutjss-252	255	18	care	care	NOUN
esutjss-252	255	19	reform	reform	NOUN
esutjss-252	255	20	.	.	PUNCT
esutjss-252	256	1	cummins	cummins	PROPN
esutjss-252	256	2	,	,	PUNCT
esutjss-252	256	3	j.	j.	PROPN
esutjss-252	256	4	d.	d.	PROPN
esutjss-252	256	5	,	,	PUNCT
esutjss-252	256	6	&	&	CCONJ
esutjss-252	256	7	phillips	phillips	PROPN
esutjss-252	256	8	,	,	PUNCT
esutjss-252	256	9	r.	r.	PROPN
esutjss-252	256	10	d.	d.	PROPN
esutjss-252	256	11	(	(	PUNCT
esutjss-252	256	12	2005).estimating	2005).estimate	VERB
esutjss-252	256	13	the	the	DET
esutjss-252	256	14	cost	cost	NOUN
esutjss-252	256	15	of	of	ADP
esutjss-252	256	16	equity	equity	NOUN
esutjss-252	256	17	capital	capital	NOUN
esutjss-252	256	18	for	for	ADP
esutjss-252	256	19	property‐	property‐	DET
esutjss-252	256	20	liability	liability	NOUN
esutjss-252	256	21	insurers	insurer	NOUN
esutjss-252	256	22	.	.	PUNCT
esutjss-252	257	1	journal	journal	NOUN
esutjss-252	257	2	of	of	ADP
esutjss-252	257	3	risk	risk	NOUN
esutjss-252	257	4	and	and	CCONJ
esutjss-252	257	5	insurance	insurance	NOUN
esutjss-252	257	6	,	,	PUNCT
esutjss-252	257	7	72(3	72(3	NUM
esutjss-252	257	8	)	)	PUNCT
esutjss-252	257	9	,	,	PUNCT
esutjss-252	257	10	441	441	NUM
esutjss-252	257	11	-	-	SYM
esutjss-252	257	12	478	478	NUM
esutjss-252	257	13	.	.	PUNCT
esutjss-252	257	14	esfandabadi	esfandabadi	PROPN
esutjss-252	257	15	,	,	PUNCT
esutjss-252	257	16	z.	z.	PROPN
esutjss-252	257	17	s.	s.	PROPN
esutjss-252	257	18	,	,	PUNCT
esutjss-252	257	19	ranjbari	ranjbari	PROPN
esutjss-252	257	20	,	,	PUNCT
esutjss-252	257	21	m.	m.	NOUN
esutjss-252	257	22	,	,	PUNCT
esutjss-252	257	23	&	&	CCONJ
esutjss-252	257	24	scagnelli	scagnelli	PROPN
esutjss-252	257	25	,	,	PUNCT
esutjss-252	257	26	s.	s.	PROPN
esutjss-252	257	27	d.	d.	PROPN
esutjss-252	257	28	(	(	PUNCT
esutjss-252	257	29	2023	2023	NUM
esutjss-252	257	30	)	)	PUNCT
esutjss-252	257	31	.	.	PUNCT
esutjss-252	258	1	prioritizing	prioritize	VERB
esutjss-252	258	2	risk	risk	NOUN
esutjss-252	258	3	-	-	PUNCT
esutjss-252	258	4	level	level	NOUN
esutjss-252	258	5	factors	factor	NOUN
esutjss-252	258	6	in	in	ADP
esutjss-252	258	7	comprehensive	comprehensive	ADJ
esutjss-252	258	8	automobile	automobile	NOUN
esutjss-252	258	9	insurance	insurance	NOUN
esutjss-252	258	10	management	management	NOUN
esutjss-252	258	11	:	:	PUNCT
esutjss-252	258	12	a	a	DET
esutjss-252	258	13	hybrid	hybrid	ADJ
esutjss-252	258	14	multi	multi	ADJ
esutjss-252	258	15	-	-	ADJ
esutjss-252	258	16	criteria	criterion	NOUN
esutjss-252	258	17	decisionmaking	decisionmake	VERB
esutjss-252	258	18	model	model	NOUN
esutjss-252	258	19	.	.	PUNCT
esutjss-252	259	1	global	global	ADJ
esutjss-252	259	2	business	business	PROPN
esutjss-252	259	3	review	review	PROPN
esutjss-252	259	4	,	,	PUNCT
esutjss-252	259	5	24(5	24(5	NUM
esutjss-252	259	6	)	)	PUNCT
esutjss-252	259	7	,	,	PUNCT
esutjss-252	259	8	972	972	NUM
esutjss-252	259	9	-	-	SYM
esutjss-252	259	10	989	989	NUM
esutjss-252	259	11	.	.	PUNCT
esutjss-252	260	1	gbenro	gbenro	PROPN
esutjss-252	260	2	,	,	PUNCT
esutjss-252	260	3	t.	t.	PROPN
esutjss-252	260	4	(	(	PUNCT
esutjss-252	260	5	2019).the	2019).the	DET
esutjss-252	260	6	impact	impact	NOUN
esutjss-252	260	7	of	of	ADP
esutjss-252	260	8	oil	oil	NOUN
esutjss-252	260	9	price	price	NOUN
esutjss-252	260	10	fluctuations	fluctuation	NOUN
esutjss-252	260	11	on	on	ADP
esutjss-252	260	12	nigeria	nigeria	PROPN
esutjss-252	260	13	’s	’s	PART
esutjss-252	260	14	insurance	insurance	NOUN
esutjss-252	260	15	sector.african	sector.african	PROPN
esutjss-252	260	16	economic	economic	ADJ
esutjss-252	260	17	review	review	NOUN
esutjss-252	260	18	,	,	PUNCT
esutjss-252	260	19	45(1	45(1	NOUN
esutjss-252	260	20	)	)	PUNCT
esutjss-252	260	21	,	,	PUNCT
esutjss-252	260	22	101	101	NUM
esutjss-252	260	23	-	-	SYM
esutjss-252	260	24	115	115	NUM
esutjss-252	260	25	.	.	PUNCT
esutjss-252	260	26	gudisa	gudisa	NOUN
esutjss-252	260	27	,	,	PUNCT
esutjss-252	260	28	g.	g.	PROPN
esutjss-252	260	29	(	(	PUNCT
esutjss-252	260	30	2021	2021	NUM
esutjss-252	260	31	)	)	PUNCT
esutjss-252	260	32	.	.	PUNCT
esutjss-252	261	1	assessment	assessment	NOUN
esutjss-252	261	2	of	of	ADP
esutjss-252	261	3	operational	operational	ADJ
esutjss-252	261	4	challenges	challenge	NOUN
esutjss-252	261	5	posed	pose	VERB
esutjss-252	261	6	by	by	ADP
esutjss-252	261	7	covid-19	covid-19	PROPN
esutjss-252	261	8	pandemic	pandemic	NOUN
esutjss-252	261	9	on	on	ADP
esutjss-252	261	10	small	small	ADJ
esutjss-252	261	11	and	and	CCONJ
esutjss-252	261	12	medium	medium	ADJ
esutjss-252	261	13	sized	sized	ADJ
esutjss-252	261	14	enterprises	enterprise	NOUN
esutjss-252	261	15	operating	operate	VERB
esutjss-252	261	16	in	in	ADP
esutjss-252	261	17	addis	addis	PROPN
esutjss-252	261	18	ababa	ababa	PROPN
esutjss-252	261	19	(	(	PUNCT
esutjss-252	261	20	doctoral	doctoral	ADJ
esutjss-252	261	21	dissertation	dissertation	NOUN
esutjss-252	261	22	,	,	PUNCT
esutjss-252	261	23	st	st	PROPN
esutjss-252	261	24	.	.	PROPN
esutjss-252	261	25	mary	mary	PROPN
esutjss-252	261	26	’s	’s	PART
esutjss-252	261	27	university	university	NOUN
esutjss-252	261	28	)	)	PUNCT
esutjss-252	261	29	.	.	PUNCT
esutjss-252	262	1	hassanain	hassanain	PROPN
esutjss-252	262	2	,	,	PUNCT
esutjss-252	262	3	a.	a.	PROPN
esutjss-252	262	4	,	,	PUNCT
esutjss-252	262	5	al	al	PROPN
esutjss-252	262	6	-	-	PUNCT
esutjss-252	262	7	harogi	harogi	PROPN
esutjss-252	262	8	,	,	PUNCT
esutjss-252	262	9	h.	h.	PROPN
esutjss-252	262	10	,	,	PUNCT
esutjss-252	262	11	&	&	CCONJ
esutjss-252	262	12	ibrahim	ibrahim	PROPN
esutjss-252	262	13	,	,	PUNCT
esutjss-252	262	14	m.	m.	NOUN
esutjss-252	262	15	(	(	PUNCT
esutjss-252	262	16	2022	2022	NUM
esutjss-252	262	17	)	)	PUNCT
esutjss-252	262	18	.	.	PUNCT
esutjss-252	263	1	the	the	DET
esutjss-252	263	2	impact	impact	NOUN
esutjss-252	263	3	of	of	ADP
esutjss-252	263	4	pre	pre	ADJ
esutjss-252	263	5	-	-	ADJ
esutjss-252	263	6	covid-19	covid-19	ADJ
esutjss-252	263	7	market	market	NOUN
esutjss-252	263	8	dynamics	dynamic	NOUN
esutjss-252	263	9	on	on	ADP
esutjss-252	263	10	fire	fire	NOUN
esutjss-252	263	11	insurance	insurance	NOUN
esutjss-252	263	12	in	in	ADP
esutjss-252	263	13	nigeria	nigeria	PROPN
esutjss-252	263	14	:	:	PUNCT
esutjss-252	263	15	an	an	DET
esutjss-252	263	16	analysis	analysis	NOUN
esutjss-252	263	17	.	.	PUNCT
esutjss-252	264	1	journal	journal	NOUN
esutjss-252	264	2	of	of	ADP
esutjss-252	264	3	african	african	ADJ
esutjss-252	264	4	financial	financial	ADJ
esutjss-252	264	5	markets	market	NOUN
esutjss-252	264	6	,	,	PUNCT
esutjss-252	264	7	27(1	27(1	NUM
esutjss-252	264	8	)	)	PUNCT
esutjss-252	264	9	,	,	PUNCT
esutjss-252	264	10	78	78	NUM
esutjss-252	264	11	-	-	SYM
esutjss-252	264	12	101	101	NUM
esutjss-252	264	13	.	.	PUNCT
esutjss-252	265	1	iyodo	iyodo	PROPN
esutjss-252	265	2	,	,	PUNCT
esutjss-252	265	3	b.	b.	PROPN
esutjss-252	265	4	y.	y.	PROPN
esutjss-252	265	5	,	,	PUNCT
esutjss-252	265	6	samuel	samuel	PROPN
esutjss-252	265	7	,	,	PUNCT
esutjss-252	265	8	s.	s.	PROPN
esutjss-252	265	9	e.	e.	PROPN
esutjss-252	265	10	,	,	PUNCT
esutjss-252	265	11	&	&	CCONJ
esutjss-252	265	12	inyada	inyada	PROPN
esutjss-252	265	13	,	,	PUNCT
esutjss-252	265	14	s.	s.	PROPN
esutjss-252	265	15	j.	j.	PROPN
esutjss-252	265	16	(	(	PUNCT
esutjss-252	265	17	2018).effect	2018).effect	NUM
esutjss-252	265	18	of	of	ADP
esutjss-252	265	19	insurance	insurance	NOUN
esutjss-252	265	20	industry	industry	NOUN
esutjss-252	265	21	performance	performance	NOUN
esutjss-252	265	22	on	on	ADP
esutjss-252	265	23	economic	economic	ADJ
esutjss-252	265	24	growth	growth	NOUN
esutjss-252	265	25	in	in	ADP
esutjss-252	265	26	nigeria	nigeria	PROPN
esutjss-252	265	27	.	.	PUNCT
esutjss-252	266	1	international	international	ADJ
esutjss-252	266	2	journal	journal	PROPN
esutjss-252	266	3	of	of	ADP
esutjss-252	266	4	business	business	NOUN
esutjss-252	266	5	and	and	CCONJ
esutjss-252	266	6	finance	finance	NOUN
esutjss-252	266	7	management	management	NOUN
esutjss-252	266	8	research	research	NOUN
esutjss-252	266	9	,	,	PUNCT
esutjss-252	266	10	6(3	6(3	NUM
esutjss-252	266	11	)	)	PUNCT
esutjss-252	266	12	,	,	PUNCT
esutjss-252	266	13	22	22	NUM
esutjss-252	266	14	-	-	SYM
esutjss-252	266	15	33	33	NUM
esutjss-252	266	16	.	.	PUNCT
esutjss-252	267	1	kaushik	kaushik	PROPN
esutjss-252	267	2	,	,	PUNCT
esutjss-252	267	3	k.	k.	PROPN
esutjss-252	267	4	,	,	PUNCT
esutjss-252	267	5	bhardwaj	bhardwaj	PROPN
esutjss-252	267	6	,	,	PUNCT
esutjss-252	267	7	a.	a.	PROPN
esutjss-252	267	8	,	,	PUNCT
esutjss-252	267	9	dwivedi	dwivedi	PROPN
esutjss-252	267	10	,	,	PUNCT
esutjss-252	267	11	a.	a.	PROPN
esutjss-252	267	12	d.	d.	PROPN
esutjss-252	267	13	,	,	PUNCT
esutjss-252	267	14	&	&	CCONJ
esutjss-252	267	15	singh	singh	PROPN
esutjss-252	267	16	,	,	PUNCT
esutjss-252	267	17	r.	r.	PROPN
esutjss-252	267	18	(	(	PUNCT
esutjss-252	267	19	2022).machine	2022).machine	NUM
esutjss-252	267	20	learning	learning	NOUN
esutjss-252	267	21	-	-	PUNCT
esutjss-252	267	22	based	base	VERB
esutjss-252	267	23	regression	regression	NOUN
esutjss-252	267	24	framework	framework	NOUN
esutjss-252	267	25	to	to	PART
esutjss-252	267	26	predict	predict	VERB
esutjss-252	267	27	health	health	NOUN
esutjss-252	267	28	insurance	insurance	NOUN
esutjss-252	267	29	premiums	premium	NOUN
esutjss-252	267	30	.	.	PUNCT
esutjss-252	268	1	international	international	ADJ
esutjss-252	268	2	journal	journal	PROPN
esutjss-252	268	3	of	of	ADP
esutjss-252	268	4	environmental	environmental	ADJ
esutjss-252	268	5	research	research	NOUN
esutjss-252	268	6	and	and	CCONJ
esutjss-252	268	7	public	public	ADJ
esutjss-252	268	8	health	health	NOUN
esutjss-252	268	9	,	,	PUNCT
esutjss-252	268	10	19(13	19(13	NUM
esutjss-252	268	11	)	)	PUNCT
esutjss-252	268	12	,	,	PUNCT
esutjss-252	268	13	7898	7898	NUM
esutjss-252	268	14	.	.	PUNCT
esutjss-252	269	1	morara	morara	PROPN
esutjss-252	269	2	,	,	PUNCT
esutjss-252	269	3	j.	j.	PROPN
esutjss-252	269	4	,	,	PUNCT
esutjss-252	269	5	&	&	CCONJ
esutjss-252	269	6	sibindi	sibindi	PROPN
esutjss-252	269	7	,	,	PUNCT
esutjss-252	269	8	a.	a.	NOUN
esutjss-252	269	9	(	(	PUNCT
esutjss-252	269	10	2021	2021	NUM
esutjss-252	269	11	)	)	PUNCT
esutjss-252	269	12	.	.	PUNCT
esutjss-252	270	1	capital	capital	NOUN
esutjss-252	270	2	adequacy	adequacy	NOUN
esutjss-252	270	3	and	and	CCONJ
esutjss-252	270	4	its	its	PRON
esutjss-252	270	5	role	role	NOUN
esutjss-252	270	6	in	in	ADP
esutjss-252	270	7	insurance	insurance	NOUN
esutjss-252	270	8	ratings	rating	NOUN
esutjss-252	270	9	.	.	PUNCT
esutjss-252	271	1	journal	journal	NOUN
esutjss-252	271	2	of	of	ADP
esutjss-252	271	3	insurance	insurance	NOUN
esutjss-252	271	4	and	and	CCONJ
esutjss-252	271	5	risk	risk	NOUN
esutjss-252	271	6	management	management	NOUN
esutjss-252	271	7	,	,	PUNCT
esutjss-252	271	8	18(2	18(2	NUM
esutjss-252	271	9	)	)	PUNCT
esutjss-252	271	10	,	,	PUNCT
esutjss-252	271	11	132	132	NUM
esutjss-252	271	12	-	-	SYM
esutjss-252	271	13	149	149	NUM
esutjss-252	271	14	.	.	PUNCT
esutjss-252	272	1	228	228	NUM
esutjss-252	272	2	morara	morara	NOUN
esutjss-252	272	3	,	,	PUNCT
esutjss-252	272	4	k.	k.	PROPN
esutjss-252	272	5	,	,	PUNCT
esutjss-252	272	6	&	&	CCONJ
esutjss-252	272	7	sibindi	sibindi	PROPN
esutjss-252	272	8	,	,	PUNCT
esutjss-252	272	9	a.	a.	PROPN
esutjss-252	272	10	b.	b.	PROPN
esutjss-252	272	11	(	(	PUNCT
esutjss-252	272	12	2023	2023	NUM
esutjss-252	272	13	)	)	PUNCT
esutjss-252	272	14	.	.	PUNCT
esutjss-252	273	1	determinants	determinant	NOUN
esutjss-252	273	2	of	of	ADP
esutjss-252	273	3	financial	financial	ADJ
esutjss-252	273	4	performance	performance	NOUN
esutjss-252	273	5	of	of	ADP
esutjss-252	273	6	insurance	insurance	NOUN
esutjss-252	273	7	companies	company	NOUN
esutjss-252	273	8	:	:	PUNCT
esutjss-252	273	9	empirical	empirical	ADJ
esutjss-252	273	10	evidence	evidence	NOUN
esutjss-252	273	11	using	use	VERB
esutjss-252	273	12	kenyan	kenyan	ADJ
esutjss-252	273	13	data	datum	NOUN
esutjss-252	273	14	.	.	PUNCT
esutjss-252	274	1	journal	journal	PROPN
esutjss-252	274	2	of	of	ADP
esutjss-252	274	3	risk	risk	NOUN
esutjss-252	274	4	and	and	CCONJ
esutjss-252	274	5	financial	financial	ADJ
esutjss-252	274	6	management	management	NOUN
esutjss-252	274	7	,	,	PUNCT
esutjss-252	274	8	14(12	14(12	NUM
esutjss-252	274	9	)	)	PUNCT
esutjss-252	274	10	,	,	PUNCT
esutjss-252	274	11	566	566	NUM
esutjss-252	274	12	.	.	PUNCT
esutjss-252	274	13	msomi	msomi	NOUN
esutjss-252	274	14	,	,	PUNCT
esutjss-252	274	15	t.	t.	PROPN
esutjss-252	274	16	s.	s.	PROPN
esutjss-252	274	17	,	,	PUNCT
esutjss-252	274	18	&	&	CCONJ
esutjss-252	274	19	nzama	nzama	PROPN
esutjss-252	274	20	,	,	PUNCT
esutjss-252	274	21	s.	s.	PROPN
esutjss-252	274	22	(	(	PUNCT
esutjss-252	274	23	2023	2023	NUM
esutjss-252	274	24	)	)	PUNCT
esutjss-252	274	25	.	.	PUNCT
esutjss-252	275	1	analyzing	analyze	VERB
esutjss-252	275	2	firm	firm	ADJ
esutjss-252	275	3	-	-	PUNCT
esutjss-252	275	4	specific	specific	ADJ
esutjss-252	275	5	factors	factor	NOUN
esutjss-252	275	6	affecting	affect	VERB
esutjss-252	275	7	the	the	DET
esutjss-252	275	8	financial	financial	ADJ
esutjss-252	275	9	performance	performance	NOUN
esutjss-252	275	10	of	of	ADP
esutjss-252	275	11	insurance	insurance	NOUN
esutjss-252	275	12	companies	company	NOUN
esutjss-252	275	13	in	in	ADP
esutjss-252	275	14	south	south	PROPN
esutjss-252	275	15	africa	africa	PROPN
esutjss-252	275	16	.	.	PUNCT
esutjss-252	276	1	insurance	insurance	NOUN
esutjss-252	276	2	markets	market	NOUN
esutjss-252	276	3	and	and	CCONJ
esutjss-252	276	4	companies	company	NOUN
esutjss-252	276	5	,	,	PUNCT
esutjss-252	276	6	14(1	14(1	NUM
esutjss-252	276	7	)	)	PUNCT
esutjss-252	276	8	,	,	PUNCT
esutjss-252	276	9	8	8	NUM
esutjss-252	276	10	.	.	NOUN
esutjss-252	276	11	ogbeide	ogbeide	ADJ
esutjss-252	276	12	,	,	PUNCT
esutjss-252	276	13	s.	s.	PROPN
esutjss-252	276	14	o.	o.	PROPN
esutjss-252	276	15	,	,	PUNCT
esutjss-252	276	16	adu	adu	PROPN
esutjss-252	276	17	,	,	PUNCT
esutjss-252	276	18	t.	t.	PROPN
esutjss-252	276	19	o.	o.	PROPN
esutjss-252	276	20	,	,	PUNCT
esutjss-252	276	21	fapohunda	fapohunda	ADV
esutjss-252	276	22	,	,	PUNCT
esutjss-252	276	23	f.	f.	PROPN
esutjss-252	276	24	m.	m.	PROPN
esutjss-252	276	25	,	,	PUNCT
esutjss-252	276	26	&	&	CCONJ
esutjss-252	276	27	obadeyi	obadeyi	PROPN
esutjss-252	276	28	,	,	PUNCT
esutjss-252	276	29	j.	j.	PROPN
esutjss-252	276	30	(	(	PUNCT
esutjss-252	276	31	2022	2022	NUM
esutjss-252	276	32	)	)	PUNCT
esutjss-252	276	33	.	.	PUNCT
esutjss-252	277	1	insurance	insurance	NOUN
esutjss-252	277	2	sector	sector	NOUN
esutjss-252	277	3	development	development	NOUN
esutjss-252	277	4	and	and	CCONJ
esutjss-252	277	5	economic	economic	ADJ
esutjss-252	277	6	growth	growth	NOUN
esutjss-252	277	7	:	:	PUNCT
esutjss-252	277	8	empirical	empirical	ADJ
esutjss-252	277	9	analysis	analysis	NOUN
esutjss-252	277	10	from	from	ADP
esutjss-252	277	11	nigeria	nigeria	PROPN
esutjss-252	277	12	.	.	PUNCT
esutjss-252	278	1	asian	asian	ADJ
esutjss-252	278	2	journal	journal	PROPN
esutjss-252	278	3	of	of	ADP
esutjss-252	278	4	economics	economic	NOUN
esutjss-252	278	5	,	,	PUNCT
esutjss-252	278	6	business	business	NOUN
esutjss-252	278	7	and	and	CCONJ
esutjss-252	278	8	accounting	accounting	NOUN
esutjss-252	278	9	,	,	PUNCT
esutjss-252	278	10	22(17	22(17	NUM
esutjss-252	278	11	)	)	PUNCT
esutjss-252	278	12	,	,	PUNCT
esutjss-252	278	13	55	55	NUM
esutjss-252	278	14	-	-	SYM
esutjss-252	278	15	72	72	NUM
esutjss-252	278	16	.	.	PUNCT
esutjss-252	279	1	oke	oke	PROPN
esutjss-252	279	2	,	,	PUNCT
esutjss-252	279	3	m.	m.	NOUN
esutjss-252	279	4	o.	o.	PROPN
esutjss-252	279	5	(	(	PUNCT
esutjss-252	279	6	2012	2012	NUM
esutjss-252	279	7	)	)	PUNCT
esutjss-252	279	8	.	.	PUNCT
esutjss-252	280	1	insurance	insurance	NOUN
esutjss-252	280	2	sector	sector	NOUN
esutjss-252	280	3	development	development	NOUN
esutjss-252	280	4	and	and	CCONJ
esutjss-252	280	5	economic	economic	ADJ
esutjss-252	280	6	growth	growth	NOUN
esutjss-252	280	7	in	in	ADP
esutjss-252	280	8	nigeria.african	nigeria.african	ADJ
esutjss-252	280	9	journal	journal	NOUN
esutjss-252	280	10	of	of	ADP
esutjss-252	280	11	business	business	NOUN
esutjss-252	280	12	management	management	NOUN
esutjss-252	280	13	,	,	PUNCT
esutjss-252	280	14	6(23	6(23	NUM
esutjss-252	280	15	)	)	PUNCT
esutjss-252	280	16	,	,	PUNCT
esutjss-252	280	17	7016	7016	NUM
esutjss-252	280	18	-	-	SYM
esutjss-252	280	19	7023	7023	NUM
esutjss-252	280	20	.	.	PUNCT
esutjss-252	281	1	singh	singh	PROPN
esutjss-252	281	2	,	,	PUNCT
esutjss-252	281	3	a.	a.	PROPN
esutjss-252	281	4	,	,	PUNCT
esutjss-252	281	5	&	&	CCONJ
esutjss-252	281	6	bathla	bathla	NOUN
esutjss-252	281	7	,	,	PUNCT
esutjss-252	281	8	g.	g.	PROPN
esutjss-252	281	9	(	(	PUNCT
esutjss-252	281	10	2023	2023	NUM
esutjss-252	281	11	)	)	PUNCT
esutjss-252	281	12	.	.	PUNCT
esutjss-252	282	1	environmental	environmental	ADJ
esutjss-252	282	2	,	,	PUNCT
esutjss-252	282	3	social	social	ADJ
esutjss-252	282	4	,	,	PUNCT
esutjss-252	282	5	and	and	CCONJ
esutjss-252	282	6	governance	governance	NOUN
esutjss-252	282	7	(	(	PUNCT
esutjss-252	282	8	esg	esg	NOUN
esutjss-252	282	9	)	)	PUNCT
esutjss-252	282	10	measures	measure	NOUN
esutjss-252	282	11	and	and	CCONJ
esutjss-252	282	12	their	their	PRON
esutjss-252	282	13	impact	impact	NOUN
esutjss-252	282	14	on	on	ADP
esutjss-252	282	15	insurance	insurance	NOUN
esutjss-252	282	16	industry	industry	NOUN
esutjss-252	282	17	:	:	PUNCT
esutjss-252	282	18	a	a	DET
esutjss-252	282	19	global	global	ADJ
esutjss-252	282	20	perspective	perspective	NOUN
esutjss-252	282	21	.	.	PUNCT
esutjss-252	283	1	the	the	DET
esutjss-252	283	2	impact	impact	NOUN
esutjss-252	283	3	of	of	ADP
esutjss-252	283	4	climate	climate	NOUN
esutjss-252	283	5	change	change	NOUN
esutjss-252	283	6	and	and	CCONJ
esutjss-252	283	7	sustainability	sustainability	NOUN
esutjss-252	283	8	standards	standard	NOUN
esutjss-252	283	9	on	on	ADP
esutjss-252	283	10	the	the	DET
esutjss-252	283	11	insurance	insurance	NOUN
esutjss-252	283	12	market	market	NOUN
esutjss-252	283	13	,	,	PUNCT
esutjss-252	283	14	417	417	NUM
esutjss-252	283	15	-	-	SYM
esutjss-252	283	16	427	427	NUM
esutjss-252	283	17	.	.	PUNCT
esutjss-252	284	1	taiwo	taiwo	NOUN
esutjss-252	284	2	,	,	PUNCT
esutjss-252	284	3	o.	o.	PROPN
esutjss-252	284	4	(	(	PUNCT
esutjss-252	284	5	2019	2019	NUM
esutjss-252	284	6	)	)	PUNCT
esutjss-252	284	7	.	.	PUNCT
esutjss-252	285	1	evaluation	evaluation	NOUN
esutjss-252	285	2	of	of	ADP
esutjss-252	285	3	the	the	DET
esutjss-252	285	4	effects	effect	NOUN
esutjss-252	285	5	of	of	ADP
esutjss-252	285	6	micro	micro	NOUN
esutjss-252	285	7	,	,	PUNCT
esutjss-252	285	8	small	small	ADJ
esutjss-252	285	9	and	and	CCONJ
esutjss-252	285	10	medium	medium	ADJ
esutjss-252	285	11	enterprises	enterprise	NOUN
esutjss-252	285	12	finance	finance	NOUN
esutjss-252	285	13	policy	policy	NOUN
esutjss-252	285	14	on	on	ADP
esutjss-252	285	15	job	job	NOUN
esutjss-252	285	16	creation	creation	NOUN
esutjss-252	285	17	in	in	ADP
esutjss-252	285	18	nigeria	nigeria	PROPN
esutjss-252	285	19	.	.	PUNCT
esutjss-252	286	1	upreti	upreti	PROPN
esutjss-252	286	2	,	,	PUNCT
esutjss-252	286	3	v.	v.	PROPN
esutjss-252	286	4	,	,	PUNCT
esutjss-252	286	5	adams	adams	PROPN
esutjss-252	286	6	,	,	PUNCT
esutjss-252	286	7	m.	m.	NOUN
esutjss-252	286	8	,	,	PUNCT
esutjss-252	286	9	&	&	CCONJ
esutjss-252	286	10	jia	jia	PROPN
esutjss-252	286	11	,	,	PUNCT
esutjss-252	286	12	y.	y.	PROPN
esutjss-252	286	13	(	(	PUNCT
esutjss-252	286	14	2022	2022	NUM
esutjss-252	286	15	)	)	PUNCT
esutjss-252	286	16	.	.	PUNCT
esutjss-252	287	1	risk	risk	NOUN
esutjss-252	287	2	management	management	NOUN
esutjss-252	287	3	and	and	CCONJ
esutjss-252	287	4	the	the	DET
esutjss-252	287	5	cost	cost	NOUN
esutjss-252	287	6	of	of	ADP
esutjss-252	287	7	equity	equity	NOUN
esutjss-252	287	8	:	:	PUNCT
esutjss-252	287	9	evidence	evidence	NOUN
esutjss-252	287	10	from	from	ADP
esutjss-252	287	11	the	the	DET
esutjss-252	287	12	united	united	PROPN
esutjss-252	287	13	kingdom	kingdom	PROPN
esutjss-252	287	14	’s	’s	PART
esutjss-252	287	15	non	non	ADJ
esutjss-252	287	16	-	-	ADJ
esutjss-252	287	17	life	life	ADJ
esutjss-252	287	18	insurance	insurance	NOUN
esutjss-252	287	19	market	market	NOUN
esutjss-252	287	20	.	.	PUNCT
esutjss-252	288	1	the	the	DET
esutjss-252	288	2	european	european	PROPN
esutjss-252	288	3	journal	journal	PROPN
esutjss-252	288	4	of	of	ADP
esutjss-252	288	5	finance	finance	NOUN
esutjss-252	288	6	,	,	PUNCT
esutjss-252	288	7	28(6	28(6	NUM
esutjss-252	288	8	)	)	PUNCT
esutjss-252	288	9	,	,	PUNCT
esutjss-252	288	10	551	551	NUM
esutjss-252	288	11	-	-	SYM
esutjss-252	288	12	570	570	NUM
esutjss-252	288	13	.	.	PUNCT
esutjss-252	288	14	page	page	NOUN
esutjss-252	288	15	7	7	NUM