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The Insurance Council of Zimbabwe is pleased to invite entries for the 2016 Insurance and Risk Management research competition. The competition is open to all insurance practitioners at all levels in the industry, University students at both undergraduate and post graduate levels, and all members of the public with an interest in the field of insurance and risk management. The competition is designed to enrich knowledge of insurance and risk management by encouraging research in various topics and to keep abreast of world trends in this field.