دور توزيع فائض التأمين على الاكتتاب بشركات التأمين السودانية: دراسة حالة شركة شيكان للتأمين وإعادة التأمين المحدود (في الفترة من 2015-2021)‎

Abstract EN

This study dealt with the role of distributing the insurance surplus on underwriting in Sudanese insurance companies, and where the problem of the study is the questions that revolve around the role of distributing the insurance surplus on underwriting, and the extent of the contribution of distributing the insurance surplus to the insured in reducing the actual value of subscriptions.

To what extent does the distribution of the insurance surplus to policyholders reduce the fabricated accidents that in turn affect the underwriting, and what is the role of distributing the insurance surplus on underwriting in Sudanese insurance companies??? With the aim of identifying the distribution of the insurance surplus and the concepts associated with it.

As well as stand on the subscription and the concepts associated with it.

And to identify the role of insurance distribution surplus in underwriting.

The researcher used the descriptive analytical approach, which reached a number of results and recommendations, among which we mention: There is a statistically significant relationship between the distribution of the insurance surplus and the total written premiums.

Underwriting avoids or minimizes risks against the interests of the insurance company.

Distribution of the insurance surplus develops a good behavior of policyholders towards maintaining the insured things.

It is necessary to reduce the actual value of the contributions to the company and to work on the principle of distributing the insurance surplus to the insured.

Those in charge of the insurance order should work to increase the market share of the insurance companies.

Work to increase the subscription of insurance companies by distributing surplus insurance to policyholders.