DO FIRM CHARACTERISTICS MATTER IN EXPLAINING THE LAPSE RATE OF LIFE INSURANCE POLICIES AND FAMILY TAKAFUL CERTIFICATES IN MALAYSIA? IJBF [Internet]. 2025 Jan. 5 [cited 2026 Jul. 28];20(1):84-104. Available from: https://e-journal.uum.edu.my/index.php/ijbf/article/view/25035