Policyholder surrender behavior in the Nepalese life insurance market during the COVID-19 pandemic . Journal of Innovation in Academia, [S. l.], v. 3, n. 2, p. 86–105, 2025. DOI: 10.32674/. Disponível em: https://ojed.org/jina/article/view/8279. Acesso em: 11 jul. 2026.