DR. JANINE C. MORALES; DR. NOR AINA BINTI YUSUF. A Comparative Study of Policyholder Behavior and Regulatory Alignment in International Insurance Markets. International Insurance Law Review, Sussex, U.K., v. 33, n. 2, p. 167–199, 2025. Disponível em: https://lumarpub.com/iilr/article/view/33.2.6. Acesso em: 2 sep. 2025.