TITLE Name SURNAME, Name SURNAME Affiliation

(1)

TITLE

Name SURNAME, Name SURNAME Affiliation¹

ORCID NUMBER

Abstract. Text in JoIN MAIN TEXT style.

Abstract should not exceed 1200 signs. English language issues of JoIN require abstracts in English only².

Keywords: keyword1, keyword2, keyword3.

JEL Codes: JEL1, JEL2, JEL3.

JEL codes can be found here: https://www.aeaweb.org/jel/guide/jel.php 1. Introduction

For headings of all levels use the JoIN Heading style. Headings have to be numbered.

Text

For the main text please use the JoIN MAIN TEXT style. Lines are numbered in order to simplify the reviewing process. Please avoid spare lines.

When using abbreviations, please type a full name (and abbreviation in brackets). Each abbreviation has to be listed at the end in the Abbreviations section.

Remember that the introduction has to state the scope, the methodology of research and its purpose.

JoIN uses Harvard Reference style. Here are some examples of references in the main text:

[Barr, Diamond 2009] or (…) according to Barr and Diamond [2009]

[Pallares-Miralles, Romero, Whitehouse 2012]

[Muller 2014; Chybalski 2012]

[OECD 2016a; Social Insurance Instution, undat]

When using mathematical equations, please use the equation editor

1 Contact with authors

2 Texts in blue are only for instruction purposes. Please use footnotes sparingly, with JoIN Footnotes style.

1 2 3 4

5

6 7 8 9 10 11

12 13

14 15 16 17 18 19 20 21

22

23

24

25 26

1 2

(2)

ROZPRAWY UBEZPIECZENIOWE. Konsument na rynku usług finansowych.

Journal of Insurance, Financial Markets and Consumer Protection

Text

2. Chapter title

2.1. Subchapter title

2.1.1 Subsubchapter title

Please avoid the fourth and subsequent levels of chapters.

We pay much attention to visual aids – tables, figures and diagrams. Each should be preceded with a caption (JoIN Caption style) and ended with source (JoIN Source style) and note if necessary. Below you can find the examples. All the visual aids have to be referred to in the main text like this: (Figure 1).

Table 1. Caption with an informative and concise title (% or other measure), date (if necessary)

text text

text text text

Source: Authors’ own elaboration or [reference]

Note: Please note that tables are filled with the text in JoIN Table style.

Text

In order to maintain coherent, attractive and legible figures and diagrams, please paste them as images and attach the Excel file with their modifiable versions.

Figure 1. Caption with an informative and concise title (% or other measure), date (if necessary)

Source: Authors’ own calculation.

Note: For the sake of legibility, we strongly recommend using Calibri font in figures.

Text

2 3

4 27

28

29

30

31 32 33 34 35 36 37

38 39 40

41 42 43 44

45 46 47 48 5 6 7

(3)

For listing use either the JoIN Bullets style:

 issue 1

 issue 2

or the JoIN Numbers style:

1. issue 1 2. issue 2.

Text

3. Conclusions

This is the part for Author’s conclusions.

Text References

Here are several examples of References. Please use the JoIN References style. Please remember that all sources referred to in the main text have to be listed here and vice versa.

Barr N., Diamond P., 2009, Reforming pensions: Principles, analytical errors and policy direction, International Social Security Review, 62(2), pp. 5-29.

Chybalski F., 2012, Skuteczność i efektywność system emerytalnego. Koncepcja analizy i próba pomiaru, Scientific Bulletin of the Technical University of Lodz 1111, Politechnika Łódzka.

Müller K., 2014, Pension Privatization and Economic Development in Central Eastern European Pension Reform, [in:] Hujo K. (Ed.), 2014, Reforming Pension in Developing and Transition Countries, Palgrave MacMillan, pp. 41-68.

OECD, 2009, Pensions at a Glance 2009. Retirement-income systems in OECD countries, OECD Publishing.

OECD, 2016a, Gross pension replacement rates (indicator). doi: 10.1787/3d1afeb1-en.

Pallares-Miralles M., Romero C., Whitehouse E., 2012, International Patterns of Pension Provision II: A Worldwide Overview of Facts and Figures. Social Protection Discussion Paper 70319, World Bank, Washington, DC.

Social Insurance Institution www.zus.pl

3 8

9 49 50 51

52 53 54

55

56

57 58 59

60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77

10 11 12

(4)

Abbreviation

Each of the abbreviations used in the text has to be listed here, in alphabetical order. Here is an example how to list them. Please use the JoIN MAIN TEXT style.

DB – Defined Benefit; DC – Defined Contribution; GDP – Gross Domestic Product.

4 13

14 78

79 80 81

15 16 17