STRUKTURNA TRANSFORMACIJA I RAZVOJNI TRENDOVI TRŽIŠTA ŽIVOTNOG OSIGURANJA U SRBIJI
DOI:
https://doi.org/10.59864/Oditor22602NPKljučne reči:
životno osiguranje, rentno osiguranje, dopunsko osiguranje, ŽO vezano za jedinice investicionog fondaApstrakt
Rad analizira ulogu i značaj životnog osiguranja u savremenim ekonomskim uslovima, sa posebnim osvrtom na tržište Republike Srbije u periodu 2019–2024. godine. U fokusu istraživanja nalaze se različiti oblici životnog osiguranja, uključujući klasično, rentno, dopunsko i osiguranje vezano za jedinice investicionih fondova, uz sagledavanje njihovih funkcionalnih i strukturnih karakteristika. Empirijska analiza ukazuje na stabilan rast ukupnog tržišta, manifestovan kroz kontinuirano povećanje broja polisa i ukupnih premija, uz istovremeni rast vrednosti obračunatih šteta. Istovremeno, identifikovane su divergentne tendencije među pojedinim segmentima, pri čemu klasični i dopunski modeli beleže umeren razvoj, rentno osiguranje stagnira, dok investiciono orijentisani proizvodi ostvaruju izrazito dinamičan rast. Zaključno, životno osiguranje se afirmiše kao kompleksan finansijski instrument sa značajnom zaštitnom, akumulacionom i investicionom funkcijom, uz potrebu unapređenja upravljanja rizicima i regulatornog okvira.
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