One of the most useful instruments for risk management to provide the life with security and repose is insurance. Among different types of insurance policy, life insurance and savings insurance policies are prime importance. These insurance policies provide not only the family financial status with financial aid after the family supporter's death, but are beneficial form of savings point of view too. In addition, unlike the other types of insurance policy, the paid money for these types will be paid back as the premium at the due date.

      In spite of many advantages of life and savings insurance policies, it is not considered so much worthy of attention. This study tends to examine the managerial problems of insurances policies from marketer point of view, in 8p model factors framework. These factors are:

 product elements, place and the time, process, quality and productivity, personnel, promotion and education, physical evidences, price and other costs.

      Finally, ignoring physical evidences factor determining the priority of other factors, the 7p model has been offered as follow:

1-     promotion and education

2-     price and the other costs

3-     product elements

4-     personnel

5-     process

6-     Quality and productivity

7-     Place and time

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