Early Life and Education
Born : October 12, 1951 (20 Mehr 1330, Persian calendar)
.He completed his primary education in Abhar and later moved to Jam High School in Qolhak, Tehran
.In 1969, he was admitted to the Tehran Insurance Higher Education Institute (Madreseh-ye ‘Ali-ye Bimeh) and graduated after four years
.He then pursued higher education in the United States, earning a Master’s degree in Systems Management from the University of Florida
Professional Career
.In 1979, after the Islamic Revolution, he joined the Central Insurance of Iran (Bimeh Markazi)
.He also attended professional insurance training courses in Switzerland and South Korea
:Key positions he held at the Central Insurance included
Deputy of Central Insurance
Deputy of Planning and Development
Director of Reinsurance (International Acceptances)
Head of the Insurance Research Center
Director of Supervision
Head of Fire Insurance Department
Member of the Executive Board
Secretary of the Committee for Drafting the New Insurance Law
Editor-in-Chief of the Central Insurance Journal
Academic Career
Dr. Karimi had over 20 years of teaching experience at universities such as University of Tehran, Allameh Tabataba’i University, Islamic Azad University, the Banking Sciences Institute, the Imam Khomeini Educational Center, and the Industrial Management Institute
:He taught courses including
Fundamentals of Insurance
Comprehensive Insurance Q&A (4 volumes)
Professional Insurance Sales Techniques
Theoretical Foundations of Property Insurance
Property and Liability Insurance
Fire Insurance
Other specialized courses
Contributions to the Insurance Industry
:After retirement, he played a major role in founding several private insurance companies such as
Bimeh Mihan
Bimeh Sarmad
Bimeh Asmari (where he served as CEO and board member)
.He was also a board member of Bimeh Parsian
.He was a prominent figure in Iran’s professional insurance associations
Publications and Research
.Dr. Karimi authored and translated many reference books in the field of insurance, several of which became official study resources for the Central Insurance exams
:Key works include
Fundamentals of Insurance
Comprehensive Insurance Q&A (4 volumes)
Professional Insurance Sales Techniques
Theoretical Foundations of Property Insurance
Property and Liability Insurance
Insurance in Fire Risks
Application of Commercial Insurance in Management
Outlook of Iran’s Insurance Industry
Collected Articles of Ayat Karimi
Translations: Non-Life Reinsurance and Reinsurance of Property
.His book “Fundamentals of Insurance” was awarded as the Best Insurance Book of 1997 by the Federation of Afro-Asian Insurers and Reinsurers (FAIR)
Passing
Dr. Ayat Karimi passed away in April 2024 (Farvardin 1403) in Tehran, at the age of 72.
:On his passing, the then-head of Central Insurance, Parviz Khosrowshahi, said
“.Today, the Iranian insurance industry has lost one of its greatest and most enduring figures”