Journal of Risk Sciences and Business Engineering (JRSBE) is a quarterly publication of the Department of Insurance and Risk Management, University of Uyo, Nigeria. It is designed to create a network for sharing ideas and knowledge on key Insurance, pensions, annuities, derivatives, risk management, business and economic issues affecting businesses and economies the world over and how these issues could be addressed to ensure continuous business existence and economic renaissance. On this basis, we welcome well-researched article from authors, researchers, academics in Management Sciences and related areas of discipline for review and publication consideration in the journal.