Life-insurance in the system of protecting from social risks
( Pp. 162-167)

Task (Reasons/aims). The purpose of writing of this work is consideration of life-insurance as a social-economic mechanism, able to minimize the consequences of realization of social risks, by using of instruments of insurance and diversification Russians for creation of accumulations and financial defense during the loss of ability to work. Model - Methodology / as it was executed / research area. In research an author two form of questioning was used: questionnaire and interviewing. For the study of history of development of life-insurance in the Russian terms an interview was taken for the former employees of RGSS S.D. Agafanova (now adviser General directors of «Rosgosstrakh») and *** in May of 2014. For comparison of types of the modern programs of life-insurance the insurance policies of LIK «Rosgosstrakh-life», «Ingosstrakh», «BIN Insurance», «Uralsib-life», «Sberbank insurance life» were studied (date of appeal: September is 2013 - February of 2014). 250 questionnaires of clients of «Sberbank», including former clients of «Master Bank», were treated (November of 2013). For clarification of reasons on which clients more frequent than all default before a bank, an interview was taken for 25 credit managers of banks of «APB» (December, 2012), «Sberbank» (June, 2013), «Rosgosstrakh bank» (January, 2014); 240 questionnaires of borrowers of «Rosgosstrakh bank», «Sberbank» is conducted (June 2013 - April 2014). Conclusions - Discussion/results. It was exposed as a result of the conducted research, that life-insurance can combine in itself at once two instrument of protecting from social risks: diversification (risk prophylaxis) and insurance (transmission of risk). In spite of recommendations of financial experts, 57% clients of bank at opening a deposit, still, choose an attractive profitableness. Credit managers to principal reasons, related to non-fulfillment of responsibilities on credit-side, take financial pressures of borrower and origin of problems with a health. Only 30% borrowers fully realized acquire the policy of LI at registration of credit. Lacks of propaganda of knowledge’s about the instruments of the social protecting from risks from the side of the state and businesses organizations, form «off-grade» registration of contract life-insurance from the side of employees of bank negative perception by Russians of the programs of life-insurance. Such insurance product, as life-insurance, can be not only instrumental in development of skills of management risks, related to the personal accumulations, but also convert them into an additional source so necessary now to Russian society of investment resources

Kechutkina E.., (2014), LIFE-INSURANCE IN THE SYSTEM OF PROTECTING FROM SOCIAL RISKS. Business in Law, 4 => 162-167.

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life insurance, social risks, social protection, risk society, diversification.