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The joining World Trade Organization (WTO) is the highest scale of relation with worldeconomics. The joining World Trade Organization (WTO)has various effects on economy of countries. In this study, we study effects of joining (WTO) as adummy variable on thetwolifeinsurance indexes (life insurance densityand life insurance penetration). Selected countries joinedto (WTO)in1995 andwas studied in time period 1991 to 2117, Using panel data method. The goal of this study is to show the effect offatcat:7q5wft22pbcx7ljl2ayhq5t5ia