ОСИГУРАЊЕ ЖИВОТА ВЕЗАНО ЗА ИНВЕСТИЦИОНЕ ФОНДОВЕ
INVESTMENT BASED LIFE INSURANCE

Summary/Abstract: The progress at the modern market of life insurance has been characterized by emergence of new types of insurance. Particular emphasis in research and practice in the area of the newly formed types of insurance is given to those that establish a special connection between different segments of financial market. In response to the requirements of certain demanding consumers, insurance companies sought to accommodate their needs through development of a special kind of insurance contract – investment based life insurance. After defining the notion of this type of insurance, the author focuses on three fundamental questions of investment based life insurance. Firstly, the spotlight turns to the right of policy holder to choose investment fund in which the insurer is to invest the premium on his account. Author stresses that this issue also pertains to the allocation of the investment risk, as the policy holder bears the consequences in this regard. Secondly, this paper focuses on the particular duty of the insurer to inform the policyholder of investment risk he bears by choosing the investment fund. Thirdly, the attention is directed at the importance for the insurers to undertake measures aimed at guaranteeing specific part of insurance amount to policyholders. In conclusion, the paper elucidates on the actual market potential of the investment based life insurance and its general attractiveness as an up-and-coming product, demarcating the possible future trends in this regard.

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