The winter edition of the quarterly contains the followings papers:

• “Predicting people's health insurance costs using machine learning and ensemble learning methods” by M. Tajaddodi Nodehi; S. Hosseini Khatibani; M. Yazdinejad; S. Zolfi.

• “Providing the concept of risk package instead of risk factor in order to classify the risk of policyholders more accurately” by M. EsnaAshari; F. Khamesian; F. Khanizadeh

• “Explaining the customer lifetime value (CLV) model in insurance companies with a mixed approach” by H. Rahimi Kolour; R. Mohammadkhani.

• “Estimation of the parameters of Weibull distribution and net premium against outliers” by E. Sohrabi; M. Jabbari Nooghabi.

• “The evolution and determinants of accepted in Tehran stock exchange insurance companies’ Profitability: A DEAbased perspective” by S. Babaei; M. Rostami Mal Khalifeh; M. Heidari.

• “A comprehensive analysis of keywords cooccurrence network and the most cited journals on data mining techniques in insurance industry using scientometrics approach” by H. Hajiyan; A. Zarjini.

Those interested to access and read the English abstract of the Winter Edition of IJIR, can click on the following link https://ijir.irc.ac.ir/?lang=en.

It must be noted that IJIR is an open access quarterly and free-of-charge paper directed and published by the Insurance Research Center (IRC). Supported by the Iranian Association of Islamic Finance (IAIF), IJIR releases original research papers, reviews, case studies and short communication covering all the aspects of insurance, risk and related subjects. The quarterly is committed to follow the Ethics in Publishing Committee (COPE) and complies with the highest ethical standards in accordance with the ethical regulations. All the submitted manuscripts are checked for similarity through trustworthy software named iThenticate to make sure of the originality of the papers rigorously peer-reviewed by a team of international reviewers. IJIR has been indexed in some well-known world databases including Directory of Open Access Journals   (DOAJ), Islamic World Science Citation Center (ISC) and Google Scholar. IJIR has also gained a Scientific rank "A" from the Ministry of Science, Research and Technology (MSRT).