Abstract
Endowment insurance represents a product that provides protection in case of death or the possibility of savings in the form of payment of the sum insured plus the amount of realized profit in the event of survival. Thus, the advantage of this insurance product is the simultaneous protection from risk and investment opportunities freely available funds of the insured. Thanks to these characteristics of mixed insurance has main role on the Serbian market of life insurance. Participation of mixed insurance in total premiums of life insurance in Serbia is almost 60%. In addition, the highest growth (expressed in absolute terms) is achieved in these products. Thus, the primary underlying drivers of growth and development of the life insurance market in Serbia are products of mixed insurance.
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