Резюме: В днешно време, интегралният анализ е изключително необходим за животозастраховането като вид социална защита и технология за управление на риска. Животозастраховането смекчава последствията от реализацията на социални рискове с помощта на застрахователни програми, осигуряващи получаването на обезщетение. Изучаването на риска е в основата на създаването на ефективна методика на застраховането в съвременния демократичен свят, с помощта на която се преодоляват опасностите, несигурността и неяснотите. За щастие през последните години скалата на ценностите на индивидите се е променила, оценката за стойността на живота и здравето се е преместила с няколко стъпки по-високо и все повече хора считат, че животът и здравето са капитал, който трябва да бъде застрахован.
Ключови думи: Риск, опасност, животозастраховане, несигурност, потребител, застрахователни програми, социална промяна.
ANALYSIS OF THE METHODOLOGY OF INSURANCE ACTIVITY IN THE MODERN DEMOCRATIC WORLD
Besarb S. Blakaj
Besarb S. Blakaj has postgraduate studies MBA at the Technische Universität Vienna, graduated BA in Insurance College Pjetër Budi Prishtina, graduated with the title Dip. CII from Chartered Insurance Institute and professional training at Malta International Training Center MITC. In 2019 he received the degree of Master of Arts in Management, specializing in Insurance Management. With over 20 years of work experience in the insurance industry, during which time he led the project of transformation of management from international to local staff in the Insurance Company Siguria (2001-2003). He also headed the Undewriting and Sales Department as Executive Sales Director at the Dukagjini Insurance Company (2003-2008). In 2004 Besarb Blakaj as one of the founders, was a member of the Board of the American Chamber of Commerce in Kosovo (AmCham Kosova), and in 2007 was a member of the Chartered Insurance Institute, London. Besarb Blakaj held the position of managing partner in the company Global LTD (2008-2015). He is a member of the Board of the AAB Institute for Accounting and Certified Auditors and Chairman of the Board of Kosovo Insurance Bureau. For the past seven years and currently Besarb Blakaj is CEO of the PRISIG Insurance Company. Now he is a doctoral student at the „G. S. Rakovski“ Military Academy at the Faculty of „National Security and Defense“.
Abstract: Nowadays, integral analysis is extremely necessary for life insurance as a type of social protection and risk management technology. Life insurance mitigates the consequences of the realization of social risks with the help of insurance programs ensuring the receipt of compensation. The study of risk is the basis of the creation of an effective methodology of insurance in the modern democratic world, with the help of which dangers, uncertainties and ambiguities are overcome. Fortunately, in recent years, the value scale of individuals has changed, the assessment of the value of life and health has moved several steps higher, and more and more people consider that life and health are capital that should be insured.
Key words: Risk, danger, life insurance, insecurity, consumer, insurance programs, social change.