US$ 150

for Dr. Sreward Doss, from NIA, India for his article; "Agency Success Model in Life Insurance"

US$ 150

for Dr. K. C. Mishra, from NIA, India for his article; "From Future to Present in Crop Insurance Wish List"

US$ 100

for Moses C. Onaraku, Nigeria for his article; "Health Insurance: A Panacea for Economic Development"

US$ 100

for Francis C. Anyim, Nigeria for his article; "Collective Bargaining and Strike Insurance Scheme in Nigeria: Problems and Prospects"

US$ 100

for Mr. Abba Abdul Enoch, Nigeria for his article; "Development and Marketing of Life Products"

US$ 100

for Mr. Tedros H. Tesfatsion, Eritrea for his article;  "The Trial of the Risk Manager"

US$ 150

for Mr. Ravinder Nanda, India for his research;

"Public Sector vs Private Sector Insurance Companies - Managing Changes In General Insurance Industry and Converting Challenge-Threat into Opportunity"