Ghimire, Rabindra, Bharat Singh Thapa, and Vilas Waikar. 2024. “Policyholder Surrender Behavior in the Nepalese Life Insurance Market During the COVID-19 Pandemic”. Interdisciplinary Journal of Innovation in Nepalese Academia 3 (2):86-105. https://www.nepjol.info/index.php/idjina/article/view/73209.