Dobrovol'noe pensionnoe strakhovanie

V stranakh s razvitoy rynochnoy ekonomikoy vysokiyuroven' zhizni pensionerov dostigaetsya za schetsistematicheskogo dolgovremennogo formirovaniyadobrovol'nykh nakopleniy grazhdanami, v to vremya kakgosudarstvo obespechivaet grazhdan na minimal'noneobkhodimom urovne. Podobnaya tendentsiya proslezhivaetsyai v deystvuyushchey pensionnoy sisteme Rossii. Grazhdanevse chashche proyavlyayut interes k strakhovaniyu pensii. Vsvyazi s etim pered strakhovshchikami vstayut ne tol'kozadachi po razrabotke novykh vidov pensionnogostrakhovaniya, no i zadachi po obespecheniyu finansovoynadezhnosti pensionnykh programm. V dannom issledovaniiopisany i sistematizirovany razlichnye tipy pensionnykhvyplat i usloviya po uplate vznosov, predlozheny novyeprogrammy strakhovaniya pensii, povyshayushchiekonkurentosposobnost' strakhovykh organizatsiy na rynkenegosudarstvennogo pensionnogo strakhovaniya. Predstavleny metody formirovaniya strakhovogo fonda (vtom chisle testirovanie pribyli v strakhovanii pensii),napravlennye na otsenku perspektiv pensionnoyprogrammy i ee nadezhnosti. Issledovanie prednaznachenodlya spetsialistov v oblasti dolgosrochnogo strakhovaniyazhizni.