Criterii de analiza ale unui contract de asigurare de viata

Besides the established functions of the insurance, those regarding the prevention and the compensation of the damages and the payment of the insured sums, in the last decades the financial side of insurances has got a big importance. On one side the specialized companies are more and more involved in the financial market, looking the best investments; on the other side, they offer the clients a very wide range of life insurances with capitalized component.In this material there are described the main products of this type and there are presented some criteria of analysis and selection of contracts depending on their adaptation to the needs and the personal situation of each insured.Keywords: life insurance, criteria of analysisIn afara functiilor consacrate ale asigurarii, cele privind prevenirea si compensarea daunelor si de plata a sumelor asigurate, in ultimele decenii a capatat o tot mai mare importanta latura financiara a asigurarilor. Pe de o parte societatile specializate se implica tot mai mult pe piata financiara, cautand cele mai bune plasamente, pe de alta parte ele ofera clientilor o gama foarte diversificata de asigurari de viata, cu componenta de capitalizare. In prezentul material sunt descrise principalele produse de acest tip si sunt enuntate cateva criterii de analiza si selectie a contractelor, in functie de adaptarea lor la nevoile si situatia personala a fiecarui asigurat.Cuvinte cheie: asigurare de viata, criterii de analiz

Management Department,

n a well known understanding, I through life insurance we understand the ensemble of contracts which cover a human life risk: • the risk of premature death, covered by death insurance • the risk of old age ( getting old), covered by life contracts The main activity of insurers is distributing the collected funds between the victims (or beneficiaries of these). Because of the prolonged length of life and the development of pension system, the generated the feeling that the risks of life or death have become less important, the insurers followed this sociologic evolution, adapting their range of products to the new preoccupations of clients. In present, the association of life and death contracts allows the operators on the market to propose new formulas which appear as simply investment operation. In fact, a person who is insured can subscribe to: • in case of life insurance which guarantees him a capital if he is alive at the due (but nothing if he dies); • an insurance in case of death which guarantees the (beneficiaries) person a capital if he dies before the due (but 8 nothing if he is alive). Besides the established functions of the insurance, those regarding the prevention and the compensation of the damages and the payment of the insured sums, in the last decades the financial side of insurances has got a big importance. On one side the specialized companies are more and more involved in the financial market, looking the best investments; on the other side, they offer the clients a very wide range of life insurances with capitalized component. In this material there are described the main products of this type and there are presented some criteria of analysis and selection of contracts depending on their adaptation to the needs and the personal situation of each insured

Insects of Mount Wilhelm, Papua New Guinea

Until now the altitudinal factor has not been taken into account to estimate tropical arthropod diversity. The ultimate aim of the terrestrial biodiversity survey "Our Planet Reviewed – Papua New Guinea" was to estimate biological diversity generated by altitudinal turnover of arthropod species. It took place on Mount Wilhelm, Papua New Guinea highest peak (4509 m a.s.l.), and one of the few equatorial mountains outside the Andes left with a continuous undisturbed forest from the sea level all the way to the timber line limit. An unprecedented sampling effort was concentrated over 16 days in 2012 with a semi-simultaneous sampling at eight different elevations (every 500 m from 200 m to 3700 m a.s.l.). Arthropods were collected with various methods: flight interception traps (targeting Coleoptera), Malaise traps (targeting Hymenoptera, Diptera and Hemiptera), Steiner traps (targeting tephritid flies), beating of the understorey vegetation, and insecticide spraying on tree barks (various groups targeted). A botany survey was conducted at each elevation to characterize vegetation. An additional site, Wanang, was sampled according to the same protocol, as replicated lowland site. Our team combined international experts with local postgraduate students, para-ecologists and villagers. Arthropod samples collected during the biotic survey were pre-sorted in Papua New Guinea and forwarded to taxonomists worldwide. The current book presents the first taxonomic results of the biotic survey. Project outputs included not only species discovery, but also direct financial benefits to landowner communities, raised profile of conservation areas, training of paraecologists and postgraduate students, education programmes and, finally, crucial biodiversity information needed for ecological analyses and conservation management