ADEKUNLE, A. O. “SOCIAL DETERMINANTS, CULTURAL ALIGNMENT, AND DEMOGRAPHIC INFLUENCES ON LIFE INSURANCE DEMAND: EVIDENCE FROM CIVIL SERVANTS IN NIGERIA”. International Journal of Social and Educational Innovation (IJSEIro), Vol. 12, no. 24, Dec. 2025, pp. 492-09, https://www.journals.aseiacademic.org/index.php/ijsei/article/view/575.