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ASIGURARI FINANCIARE IM

ASIGURARI FINANCIARE IM

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Published by: Sin Marina on Oct 17, 2012
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12/13/2012

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Qljo ?% Lsleţo lcdedjbcă, yd`|` Ŕb f|ecţbb`l osbg|yăybb åe lcdedjbo al {boţă
?%Diblcq|` al sq|ab|, jlqdal`l, sqy|cq|yo Ŕb scd{|` c|ys|`|b%
9%
Fdyţl`l absqy|cqbvl o`l eoq|ybb Ŕb occbaleql`l – {lybcd`l {lyjoeleql {leqy| vboţă, beqlgybqoqlocdy{dyo`ă o dj|`|b Ŕb i|e|yb`l `|b%3%Fdyjl al {ydqlcţbl o dojleb`dy Ŕb i|e|yb`dy åj{dqybvo ocţb|ebb fdyţl`dy absqy|cqbvl o`l eoq|ybb Ŕbo occbaleql`dy%1Qb{|yb al fdea|yb al osbg|yoyl%<% Osbg|yăyb`l – coqlgdybl lcdedjbcă> f|ecţbb`l, yd`|` Ŕb bj{dyqoeţo `dy åe ocqbvbqoqlo lcdedjbcă%
?% Diblcq|` al sq|ab|, jlqdal`l, sqy|cq|yo Ŕb scd{|` c|ys|`|b
Ocqbvbqoqlo al osbg|yoyl cdesqbq|bl {leqy| |ebb |e jbq, {leqy| o`ţbb d foscbeoeţă% [leqy| j|`ţbdojleb, chboy Ŕb åeqyl{ybe~ăqdyb, osbg|yăyb`l cdesqbq|bl d {ydi`ljă cdj{`lxă {l coyl e| d {dqlx{`bco åe qdqo`bqoql so| {l coyl d åeţl`lg adoy {oyţbo`% ŕb qdq|Ŕb, osbg|yăyb`l s|eq d ylo`bqoqllcdedjbcă sdcbo`ă coyl åesdţlŔql Ŕb joychlo~ă bsqdybo al~vd`qăybb djlebybb%Ocqbvbqoqlo al osbg|yoyl o o{ăy|q abe elvdbo fbyloscă al {ydqlcţbl o dj|`|b åj{dqybvoco`ojbqăţb`dy eoq|ybb, åj{dqybvo cdeslcbeţl`dy occbaleql`dy, abe elvdbo |edy jbn`docl al lxbsqleţă åecdeabţbb`l {blyalybb so| `bjbqăybb co{ocbqăţbb al j|ecă åe |yjo id`b`dy so| iăqyéelţbb% Al~vd`qoylosdcblqăţbb o åesljeoq d cdeqbe|ă sqyăaoebl o dj|`|b åe o găsb cl`l job i|el fdyjl al {ydqlcţbl% Åedygoeb~oylo Ŕb o{ăyoylo vblţbb `dy, co Ŕb åe {ydcls|` {yda|clybb i|e|yb`dy joqlybo`l Ŕb alsfăŔ|yoyloo`qdy ocqbvbqăţb, dojlebb s*o| of`oq åeqy*d `|{qă cdeqbe|ă c| |el`l fledjlel o`l eoq|ybb coyl {dqåj{blabco alsfăŔ|yoylo edyjo`ă o ocqbvbqăţbb |joel% AlŔb o| diţbe|q joyb s|cclsl åe `|{qo c| fdyţl`leoq|ybb, dojlebb s|eq åecă el{|qbecbdŔb åe foţo |edy co`ojbqăţb o`l eoq|ybb, {ylc|j> f|yq|eb`l,|yogoel`l, c|qylj|yl`l al {ăjéeq, o`|elcăyb`l al qlyle, gybeabeă, åeghlţ|yb`l lqc% Åj{dqybvo oclsqdy fledjlel Ŕqbbeţo e| o găsbq aldcojaoqă jbn`docl qlhebcl s|fbcbleql al `|{qă, alcb l`l oa|c åecdeqbe|oyl sdcblqăţbb joyb {yln|abcbb% Åe oclosqă sbq|oţbl, dj|`|b b*o yăjos co`lo sd`baoyb~ăybb {leqy|o s|{dyqo åe cdj|e lflcql`l co`ojbqăţb`dy eoq|ybb Ŕb o`l occbaleql`dy, Ŕb oe|jl co`lo osbg|yăybb Ŕbylosbg|yăybb%Al~vd`qoylo ocqbvbqăţbb al osbg|yoyl o fdsq sqyåes `lgoqă al ocqbvbqoqlo lcdedjbcă, {ylc|j Ŕbal lvd`|ţbo yo`oţbb`dy al ayl{q% Lcdedjbsq|` leg`l~ Oaoj Sjbqh dislyvă, co osbg|yăyb`l cdesqbq|bl dqlhebcă fdoyql lfbcbleqă al o {|`vlyb~o {blyalyb`l beabvba|o`l {l d oybl céq job `oygă, focéea|*`l job|sdy al s|{dyqoq, {ybe ocd{lybylo `dy al căqyl |e e|jăy céq job joyl al {lysdoel%Ocq|o`jleql, `o io~o osbg|yăyb`dy sqă fdyjoylo Ŕb |qb`b~oylo fdea|`|b al osbg|yoyl% Åe {ydcls|` al fdyjoyl Ŕb |qb`b~oyl o oclsq|bo åeqyl {oyqbcb{oeţbb `o osbg|yoyl sl sqoib`lsc oe|jbql yl`oţbblcdedjbcl% Osqfl`, `o {ybjo lqo{ă, f`|x|yb`l iăelŔqb s|i fdyjo {ybjl`dy al osbg|yoyl {dyelsc al `o {lysdoel`l fb~bcl Ŕb n|ybabcl osbg|yoql căqyl cdj{oebb`l al osbg|yoyl% @o lqo{o |yjăqdoyl, f`|x|yb`l iăelŔqb s|i fdyjă al als{ăg|ibyb so| s|jl osbg|yoql {dyelsc al `o fdea|` al osbg|yoyl, cdesqbq|bq `oabs{d~bţbo cdj{oebb`dy s{lcbo`b~oql, căqyl osbg|yoţbb coyl o| fdsq oflcqoţb al fledjlel`l osbg|yoql%Al obcb yl~|`qă, că osbg|yăyb`l yl{yl~beqă |e sbsqlj al yl`oţbb jlebql să {ydqlnl~l beqlylsl`l {lysdeo`l Ŕb$so| {oqybjdebo`l o`l osbg|yoţb`dy {ybe fdyjoylo al fdea|yb iăelŔqb abe cdeq|` {ybjl`dy al osbg|yoyl {`ăqbql al osbg|yoq, åe schbji|` ydyo osbg|yăqdy|` åŔb os|jă di`bgbo `o {yda|clylo ybsc|`|b osbg|yoq să*b {`ăqloscă osbg|yoq|`|b s|jo al osbg|yoyl so| als{ăg|ibylo alosbg|yoyl%@o c|ys|` yls{lcqbv sl sq|abo~ă sljebfbcoţbo qlyjbed`dgblb, c`osbfbcoylo, io~l`l n|ybabcl o`losbg|yăyb`dy Ŕb ylosbg|yăyb`dy, cdecl{q|` Ŕb {oyqbc|`oybqăţb`l cdesqbq|bybb {blţlb osbg|yăyb`dy, {ybecb{bb`ldygoeb~oqdybcl al åefbbeţoyl o sbsqlj|`|b sdcblqăţb`dy al osbg|yoyl, {ydi`ljl {ybvbea ylg`ljleqoyloal căqyl sqoq o ocqbvbqăţbb alsfăŔ|yoql al căqyl sdcblqăţb`l al osbg|yoyl åe {lybdoao al cdesqbq|byl oyl`oţbb`dy al {boţă, ylg|`ojleql`l |edy qb{|yb al osbg|yăyb (osbg|yăyb`l al {lysdoel, al i|e|yb,osbg|yoylo al yăs{|ealyl o ybsc|yb`dy lcdedjbcl lxqlyel Ŕb abe ocqbvbqoqlo al oeqyl{yledyboq", {ydi`ljl`l cl ţbe al ylosbg|yăyb Ŕb al {oyqbc|`oybqăţb`l o{`bcăybb `dy åe Yl{|i`bco Jd`advo%
?6;
 
9% Fdyţl`l absqy|cqbvl o`l eoq|ybb Ŕb occbaleql`l – {lybcd`l {lyjoeleql {leqy|vboţo, beqlgybqoqlo cdy{dyo`ă o dj|`|b Ŕb i|e|yb`l `|b
Fdyţl`l eoq|ybb, al~vd`qoylo Ŕqbbeţlb Ŕb qlhebcbb Ŕb ocqbvbqoqlo dj|`|b s|eq {ybecb{o`l`l co|~lglelyoqdoyl al {og|il åe lcdedjbl%[|qlj gy|{o oclsql co|~l glelyoqdoyl al {og|il åe ad|ă joyb coqlgdybb>
beal{lealeql al vdbeţo dojleb`dy, coyl o| coyocqly diblcqbv,
`lgoql al cdj{dyqoylo dojleb`dy, oclsqlo ovéea |e coyocqly s|iblcqbv%Abe {ybjo coqlgdybl foc {oyql fdyţl`l absqy|cqbvl o`l eoq|ybb, coyl e| {dq fb cdeqyd`oql Ŕblvbqoql al dj (c|qylj|yl al {ăjéeq, slclqă, o`|elcăyb al qlyle, |yogoel, f|yq|eb, gybeabeă, alclslqc%"Abe clo al*o ad|o coqlgdybl foc {oyql ocl`l åes|Ŕbyb (co`bqăţb so| alflcql", cdj{dyqojleqlo`l dj|`|b (elg`bnleţă, eloqleţbl, gyoiă, lqc%" coyl {dq ovlo co |yjoyl occbaleql, becleabb, lx{`d~bblqc%Co`ojbqăţb`l eoq|yo`l coyl o| d `oygă oybl al yăs{éeabyl {l g`di Ŕb coyl oa|c cl`l job joyb {og|il s|eq>
 Be|eaoţbb`l
– sl {yda|c fbl voyo, åe ylgb|eb`l c| c`bjă qyd{bco`ă dyb j|sdebcă, fbl {ybjăvoyo,åe ylgb|eb`l qlj{lyoql so| ylcb, co |yjoyl o qd{bybb ~ă{l~bb so| o ghlţbb%
Slclqo
– oflcqlo~ă {|qlyebc ocqbvbqoqlo lcdedjbcă Ŕb, {ybe oclosqo, {lybc`bqlo~ă åesăŔb vboţodojleb`dy%
C|qylj|yl`l al {ăjéeq 
– cdesqbq|bl |el`l abeqyl cl`l job al qlj|q fledjlel o`l eoq|ybb,aldoylcl {dq {ydvdco bjlesl {og|il joqlybo`l, `o s|{yofoţo {ăjéeq|`|b, {ylc|j Ŕbjdabfbcăyb {ydf|eal o`l sqy|cq|ybb s|isd`|`|b Ŕb o`l ylgbj|`|b al sc|yglyl o o{l`dy% Oe|o`, {l åeqylg|` g`di sl {yda|c jbb al c|qylj|yl, abeqyl coyl {|ţbel `o e|jăy s|eq {lycl{|ql aldojleb Ŕb job {|ţbel {ydvdocă {blyalyb joqlybo`l Ŕb |joel jbcb%
 Becleabb`l
 – `o fl` co Ŕb o`ql co`ojbqăţb eoq|yo`l, cdesqbq|bl |e focqdy {lyq|yioeq o` ocqbvbqăţbblcdedjbcl% L`l {dq fb {ydvdcoql abe co|~l beal{lealeql al vdbeţo dojleb`dy, fbl abeelg`bnleţă so| ocţb|eb cybjbeo`l= becleabb`l absqy|g i|e|yb joqlybo`l, åeqyly|{ {ydcls|` al {yda|cţbl, oflcqlo~ă cbyc|`oţbo qyoes{dyq|yb`dy, vboţo Ŕb åeqlgybqoqlo cdy{dyo`ă o dojleb`dy%
 O`ql`l ( s|yso B% Văcăyl` ‐Osbg|yăyb Ŕb Ylosbg|yăyb‚ {og% 9?* 19"
Al~vd`qoylo Ŕqbbeţlb Ŕb qlhebcbb, alŔb focl {dsbib`ă cylŔqlylo yo{baă o {yda|cţblb, {doql {ydvdco occbaleql cl {dq ovoybo so| absqy|gl {oyţbo` so| qdqo`jleql jbn`docl`l al {yda|cţbl Ŕb i|e|yb`l al cdes|j, {doql oflcqo co{ocbqoqlo al j|ecă Ŕb chboy vboţo dojleb`dy (al lxlj{`|>fd`dsbylo lelygblb oqdjbcl åe scd{|yb jb`bqoyl, {ylc|j Ŕb blŔbylo oclsqlbo al s|i cdeqyd` åe |yjo|edy occbaleql, al~vd`qoylo qyofbc|`|b y|qbly, flydvboy, olyboe Ŕb joybqbj s{dylsc {lybcd`l`l clojlebeţă |joebqoqlo"%Åeal{`bebylo åeqy*|e jda elcdyls{|e~ăqdy o oqybi|ţbb`dy cl*b ylvbe åe ocqbvbqoqlo lcdedjbcăso| cdj{dyqoylo so elcdyls{|e~ăqdoyl o dj|`|b åe sdcblqoql, al osljlelo {dq {ydvdco {blyalybjoqlybo`l so| |joel bj{dyqoeql% Obcb sl bec`|a {lybcd`l`l `o coyl s|eq s|{|Ŕb dojlebb åe {yd{ybo `dy gds{daăybl, `o `dc|` al j|ecă, {l sqyoaă, åe qbj{|` al{`osăybb `dy c| abflybql jbn`docl al qyoes{dyqlqc%
3% Fdyjl al {ydqlcţbl o dojleb`dy Ŕb i|e|yb`dy åj{dqybvo ocţb|ebb fdyţl`dyabsqy|cqbvl o`l eoq|ybb Ŕb o occbaleql`dy
?6?
 
Åe eoq|yă Ŕb åe sdcblqoql sl {yda|c d j|`qbq|abel al fledjlel {ydvdcoqdoyl al {og|il coylo| d fylcvleţă job j|`q so| job {|ţbe ylg|`oqă Ŕb {l coyl dojlebb s*o| dibŔe|bq să `l åeqéj{bel åeabflybq jda åe vlalylo soqbsfoclybb beqlylsl`dy `dy lcdedjbcl Ŕb sdcbo`l% [leqy| åeqéj{beoylo oclsqdy lvlebjleql {dqleţob`l Ŕb åe glelyo` elsbg|yl, glelyoqdoyl al {og|il, e|jbql ybsc|yb, dojlebbfd`dslsc job j|`ql căb% Cl`l job {ybecb{o`l fdyjl al {ydqlcţbl o dojleb`dy Ŕb i|e|yb`dy åj{dqybvoybsc|yb`dy s|eq>
Lvbqoylo so| {ylvlebylo ybsc|`|b%
Sl`lcqoylo jăs|yb`dy co{oib`l să focă bj{dsbib`ă {yda|clylo ybsc|`|b (al lxlj{`|> yle|eţoylo `o c|`qbvoylo, åe oe|jbql ~del, o {`oeql`dy coyl s|eq aldslibq al slesbib`l `o gybeabeă Ŕb c|`qbvoylo o`qdy {`oeql, job yl~bsqleql åe~del`l yls{lcqbvl, lvbqoylo {yocqbcăybb |edy jlslybb al căqyl {lysdoel`l {ylabs{|sl ocdeqocqo oe|jbql id`b {ydflsbdeo`l lqc%=
@bjbqoylo {og|il`dy {ydvdcoql al ybsc|yb`l {yda|sl%
A|{yda|clylolvlebjleql`dy absqy|cqbvl, åesă åeobeql co oclsqlo să sl fb åechlboq, {lysdoel`l beqlylsoqls|eq di`bgoql să bo jăs|yb {leqy| `bjbqoylo {og|il`dy {yda|sl al ybsc|yb`l osbg|yoql (allxlj{`|> `o sqbeglylo Ŕb `dco`b~oylo becleabb`dy, o{`bcoylo al qyoqojleql c|yoqbvl {lysdoel`dy coyl o| s|flybq occbaleql dyb s*o| åjid`eăvbq, {bly~éea|*Ŕb co{ocbqoqlo alj|ecă"=
Fdyjoylo |edy fdea|yb al yl~lyvă
åe vlalylo ocd{lybybb, {l slojo yls|ysl`dy {yd{ybb,o lvleq|o`l`dy {og|il {yls|{|el cdesqbq|bylo al căqyl |ebqoqlo lcdedjbcă o |e|b fdeaal yl~lyvă, {l coyl să*` fd`dsloscă {leqy| ocd{lybylo {og|il`dy {ydvdcoql al co`ojbqăţbso| al occbaleql (o|qdfbeoeţoylo"=
Qylclylo ybsc|`|b os|{yo o`qlb {lysdoel
sl {doql ylo`b~o åe cdeabţbb`l åe coyl {lysdoeofb~bcă so| n|ybabcă ojlebeţoqă al |e ybsc doybcoyl (so| al |e cdj{`lx al ybsc|yb" lsql aloccdya {`ăqlosd s|al ioeb |elb o`qlb {lysdoel (al ylg|d cdj{oebls{lcbo`b~oqă åe osbg|yăyb", boy oclosqo abe |yjă sl oegono~ă so s|{dyql {og|io {ydvdcoqăal ybsc|` (cdj{`lx|` al ybsc|yb" yls{lcqbv%O`lglylo |elbo so| o`qlbo abeqyl {dsbib`bqăţb`l al cdjioqlyl o ybsc|yb`dy beabcoql s|{yoal{beal al cdeabţbb`l cdecylql o`l {lysdoelb fb~bcl so| n|ybabcl beqlylsoql, al {|qlylo lcdedjbcă ooclsqlbo, al lfdyq|` fbeoecboy {l coyl å` ylc`ojă sd`|ţbo cdesbalyoqă åe yo{dyq c| jăybjlo {og|ilb `ocoyl sl {doql oŔql{qo åe |yjo {yda|clybb ybsc|`|b%\`qbjo jdao`bqoql sl o{`bcă oq|ecb céea cl`l`o`ql jăs|yb e| {dq fb `|oql åe cdesbalyoyl abejdqbvl `lgoql al eoq|yo Ŕb joybjlo ybsc|`|b, al co{ocbqoqlo lcdedjbcă o {lysdoelb fb~bcl so| n|ybabcl beqlylsoql, al lcdedjbcbqoqlo sd`|ţbb`dy lqc%
1% Qb{|yb al fdea|yb al osbg|yoylSdcblqoqlo |joeă c|edoŔql voyboqlfdyjl al cdesqbq|byl o fdea|yb`dy iăelŔqbal coyl oyl elvdbl åe co~ al {yda|clyl o|edy co`ojbqăţb eoq|yo`l so| occbaleql%[ybe cdesqbq|bylo fdea|`|b al osbg|yoyl sl
?69

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