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Life insurance in total amount of insurance services has grown from 48,2 % in 1992it. To
53,6 % in 1996it. In developing countries and in the countries with transitive economy
The same tendencies are observed. Feature of this branch is, as
Rule, presence of tax and other privileges unlike other kinds
Insurance. It is possible to allocate, at least, three reasons of the primary
Life insurance developments.
First, the general ageing of the population in the different countries as a result
Increases in expected life expectancy and birth rate decrease.
Secondly, strengthening of the tendency to reduction of public expenses. Development
Systems of a provision of pensions it is connected with increase in insurance payments in
The pension funds, paid by employers. Thirdly, life insurance
Actively promotes growth of long-term savings which will be transformed in
Investments also support economic growth. World experience testifies,
That transition to memory system of a provision of pensions (insurance,
) the mass insurance market allows to generate private pension funds and
Thanks to it to create the strong insurance companies.
In 1996-97 the tendency to specialisation of the insurance companies has amplified,
Which is expressed basically in orientation to certain categories
Insurers. Them concern so-called it the companies,
Created for insurance of risks of founders for the purpose of preservation inside
Financial and industrial groups of insurance monetary streams. An example of the such
The companies "Lukoil", the Military-insurance company, it is it.
Within the limits of specialisation in insurance kinds the companies are most active,
Carrying out obligatory insurance. Their number concerns, in the first
Turn, obligatory medical insurance. Such companies rather
Are dependent on local administrations that serves as a serious barrier to them
Market behaviour. Preservation of not market forms of insurance activity
The institute of the authorised insurance companies, as promotes also
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