Rapi, Kristio, Dominicus Savio Priyarsono, Siti Jahroh, and Toni Bakhtiar. 2026. “The Impact of Insurer Financial Health and Market Discipline on Life Insurance Demand:  A Case Study of Indonesia”. Jurnal Aplikasi Bisnis Dan Manajemen 12 (1): 267. https://doi.org/10.17358/jabm.12.1.267.