N. T. . Cruz, L. . De Castro, D. Daniel A., J. M. S. . Rapada, and J. M. N. . Rebuldela, “Level of Risk Awareness and Insurance Literacy of Ilocanos Residing in Ilocos Sur”, Peop, Beh, Vior, vol. 2, no. 1, pp. 15–26, Mar. 2024.