id sid tid token lemma pos issue-164 1 1 baltic baltic PROPN issue-164 1 2 journal journal PROPN issue-164 1 3 of of ADP issue-164 1 4 economic economic ADJ issue-164 1 5 studies study NOUN issue-164 1 6 88 88 NUM issue-164 1 7 vol vol NOUN issue-164 1 8 . . PUNCT issue-164 2 1 3 3 NUM issue-164 2 2 , , PUNCT issue-164 2 3 no no INTJ issue-164 2 4 . . NOUN issue-164 2 5 1 1 NUM issue-164 2 6 , , PUNCT issue-164 2 7 2017 2017 NUM issue-164 2 8 corresponding correspond VERB issue-164 2 9 author author NOUN issue-164 2 10 : : PUNCT issue-164 2 11 1 1 NUM issue-164 2 12 department department NOUN issue-164 2 13 of of ADP issue-164 2 14 insurance insurance NOUN issue-164 2 15 , , PUNCT issue-164 2 16 banking banking NOUN issue-164 2 17 and and CCONJ issue-164 2 18 risk risk NOUN issue-164 2 19 management management NOUN issue-164 2 20 , , PUNCT issue-164 2 21 taras taras PROPN issue-164 2 22 shevchenko shevchenko PROPN issue-164 2 23 national national PROPN issue-164 2 24 university university PROPN issue-164 2 25 of of ADP issue-164 2 26 kyiv kyiv PROPN issue-164 2 27 . . PUNCT issue-164 3 1 e e X issue-164 3 2 - - NOUN issue-164 3 3 mail mail NOUN issue-164 3 4 : : PUNCT issue-164 3 5 dtretiak_d@mail.ru dtretiak_d@mail.ru PROPN issue-164 3 6 areas area NOUN issue-164 3 7 for for ADP issue-164 3 8 innovative innovative ADJ issue-164 3 9 products product NOUN issue-164 3 10 implementation implementation NOUN issue-164 3 11 in in ADP issue-164 3 12 the the DET issue-164 3 13 insurance insurance NOUN issue-164 3 14 market market NOUN issue-164 3 15 of of ADP issue-164 3 16 ukraine ukraine PROPN issue-164 3 17 diana diana PROPN issue-164 3 18 tretiak1 tretiak1 PROPN issue-164 4 1 taras tara VERB issue-164 4 2 shevchenko shevchenko PROPN issue-164 4 3 national national PROPN issue-164 4 4 university university PROPN issue-164 4 5 of of ADP issue-164 4 6 kyiv kyiv PROPN issue-164 4 7 , , PUNCT issue-164 4 8 ukraine ukraine ADJ issue-164 4 9 abstract abstract NOUN issue-164 4 10 . . PUNCT issue-164 5 1 the the DET issue-164 5 2 aim aim NOUN issue-164 5 3 of of ADP issue-164 5 4 the the DET issue-164 5 5 article article NOUN issue-164 5 6 is be AUX issue-164 5 7 to to PART issue-164 5 8 assess assess VERB issue-164 5 9 the the DET issue-164 5 10 prospects prospect NOUN issue-164 5 11 for for ADP issue-164 5 12 the the DET issue-164 5 13 implementation implementation NOUN issue-164 5 14 of of ADP issue-164 5 15 the the DET issue-164 5 16 investment investment NOUN issue-164 5 17 life life NOUN issue-164 5 18 insurance insurance NOUN issue-164 5 19 in in ADP issue-164 5 20 ukraine ukraine NOUN issue-164 5 21 . . PUNCT issue-164 6 1 the the DET issue-164 6 2 study study NOUN issue-164 6 3 analysed analyse VERB issue-164 6 4 the the DET issue-164 6 5 experience experience NOUN issue-164 6 6 of of ADP issue-164 6 7 foreign foreign ADJ issue-164 6 8 countries country NOUN issue-164 6 9 in in ADP issue-164 6 10 the the DET issue-164 6 11 investment investment NOUN issue-164 6 12 life life NOUN issue-164 6 13 insurance insurance NOUN issue-164 6 14 market market NOUN issue-164 6 15 development development NOUN issue-164 6 16 . . PUNCT issue-164 7 1 also also ADV issue-164 7 2 , , PUNCT issue-164 7 3 an an DET issue-164 7 4 analysis analysis NOUN issue-164 7 5 of of ADP issue-164 7 6 existing exist VERB issue-164 7 7 definitions definition NOUN issue-164 7 8 for for ADP issue-164 7 9 the the DET issue-164 7 10 " " PUNCT issue-164 7 11 unit unit NOUN issue-164 7 12 - - PUNCT issue-164 7 13 linked link VERB issue-164 7 14 " " PUNCT issue-164 7 15 term term NOUN issue-164 7 16 is be AUX issue-164 7 17 carried carry VERB issue-164 7 18 out out ADP issue-164 7 19 ; ; PUNCT issue-164 7 20 the the DET issue-164 7 21 result result NOUN issue-164 7 22 is be AUX issue-164 7 23 the the DET issue-164 7 24 conclusion conclusion NOUN issue-164 7 25 that that SCONJ issue-164 7 26 they they PRON issue-164 7 27 are be AUX issue-164 7 28 limited limit VERB issue-164 7 29 to to ADP issue-164 7 30 only only ADV issue-164 7 31 a a DET issue-164 7 32 descriptive descriptive ADJ issue-164 7 33 characteristic characteristic NOUN issue-164 7 34 that that PRON issue-164 7 35 relates relate VERB issue-164 7 36 to to ADP issue-164 7 37 a a DET issue-164 7 38 particular particular ADJ issue-164 7 39 aspect aspect NOUN issue-164 7 40 of of ADP issue-164 7 41 the the DET issue-164 7 42 product product NOUN issue-164 7 43 . . PUNCT issue-164 8 1 upon upon SCONJ issue-164 8 2 that that PRON issue-164 8 3 , , PUNCT issue-164 8 4 a a DET issue-164 8 5 comprehensive comprehensive ADJ issue-164 8 6 definition definition NOUN issue-164 8 7 is be AUX issue-164 8 8 absent absent ADJ issue-164 8 9 at at ADV issue-164 8 10 all all ADV issue-164 8 11 now now ADV issue-164 8 12 . . PUNCT issue-164 9 1 methods method NOUN issue-164 9 2 . . PUNCT issue-164 10 1 the the DET issue-164 10 2 study study NOUN issue-164 10 3 is be AUX issue-164 10 4 based base VERB issue-164 10 5 on on ADP issue-164 10 6 a a DET issue-164 10 7 comparison comparison NOUN issue-164 10 8 of of ADP issue-164 10 9 " " PUNCT issue-164 10 10 unitlinked unitlinked ADJ issue-164 10 11 " " PUNCT issue-164 10 12 products product NOUN issue-164 10 13 with with ADP issue-164 10 14 the the DET issue-164 10 15 traditional traditional ADJ issue-164 10 16 life life NOUN issue-164 10 17 insurance insurance NOUN issue-164 10 18 , , PUNCT issue-164 10 19 which which PRON issue-164 10 20 exist exist VERB issue-164 10 21 in in ADP issue-164 10 22 the the DET issue-164 10 23 world world NOUN issue-164 10 24 practice practice NOUN issue-164 10 25 . . PUNCT issue-164 11 1 practical practical ADJ issue-164 11 2 importance importance NOUN issue-164 11 3 . . PUNCT issue-164 12 1 increase increase NOUN issue-164 12 2 in in ADP issue-164 12 3 the the DET issue-164 12 4 inflow inflow NOUN issue-164 12 5 of of ADP issue-164 12 6 long long ADJ issue-164 12 7 - - PUNCT issue-164 12 8 term term NOUN issue-164 12 9 resources resource NOUN issue-164 12 10 in in ADP issue-164 12 11 the the DET issue-164 12 12 ukrainian ukrainian ADJ issue-164 12 13 economy economy NOUN issue-164 12 14 through through ADP issue-164 12 15 the the DET issue-164 12 16 implementation implementation NOUN issue-164 12 17 of of ADP issue-164 12 18 an an DET issue-164 12 19 innovative innovative ADJ issue-164 12 20 unitlinked unitlinked ADJ issue-164 12 21 product product NOUN issue-164 12 22 . . PUNCT issue-164 13 1 transformation transformation NOUN issue-164 13 2 of of ADP issue-164 13 3 the the DET issue-164 13 4 life life NOUN issue-164 13 5 insurance insurance NOUN issue-164 13 6 industry industry NOUN issue-164 13 7 into into ADP issue-164 13 8 the the DET issue-164 13 9 high high ADJ issue-164 13 10 - - PUNCT issue-164 13 11 margin margin NOUN issue-164 13 12 business business NOUN issue-164 13 13 sphere sphere NOUN issue-164 13 14 in in ADP issue-164 13 15 ukraine ukraine PROPN issue-164 13 16 . . PUNCT issue-164 14 1 importance importance NOUN issue-164 14 2 / / SYM issue-164 14 3 originality originality NOUN issue-164 14 4 . . PUNCT issue-164 15 1 a a DET issue-164 15 2 technique technique NOUN issue-164 15 3 of of ADP issue-164 15 4 constructing construct VERB issue-164 15 5 an an DET issue-164 15 6 innovative innovative ADJ issue-164 15 7 unit unit NOUN issue-164 15 8 - - PUNCT issue-164 15 9 linked link VERB issue-164 15 10 product product NOUN issue-164 15 11 depending depend VERB issue-164 15 12 on on ADP issue-164 15 13 the the DET issue-164 15 14 specifics specific NOUN issue-164 15 15 of of ADP issue-164 15 16 the the DET issue-164 15 17 domestic domestic ADJ issue-164 15 18 insurance insurance NOUN issue-164 15 19 market market NOUN issue-164 15 20 performance performance NOUN issue-164 15 21 is be AUX issue-164 15 22 developed develop VERB issue-164 15 23 . . PUNCT issue-164 16 1 results result NOUN issue-164 16 2 . . PUNCT issue-164 17 1 the the DET issue-164 17 2 article article NOUN issue-164 17 3 considers consider VERB issue-164 17 4 in in ADP issue-164 17 5 depth depth NOUN issue-164 17 6 the the DET issue-164 17 7 specific specific ADJ issue-164 17 8 features feature NOUN issue-164 17 9 of of ADP issue-164 17 10 unit unit NOUN issue-164 17 11 - - PUNCT issue-164 17 12 linked link VERB issue-164 17 13 products product NOUN issue-164 17 14 , , PUNCT issue-164 17 15 which which PRON issue-164 17 16 distinguish distinguish VERB issue-164 17 17 this this DET issue-164 17 18 life life NOUN issue-164 17 19 insurance insurance NOUN issue-164 17 20 type type NOUN issue-164 17 21 from from ADP issue-164 17 22 the the DET issue-164 17 23 classic classic ADJ issue-164 17 24 accumulative accumulative ADJ issue-164 17 25 insurance insurance NOUN issue-164 17 26 . . PUNCT issue-164 18 1 in in ADP issue-164 18 2 addition addition NOUN issue-164 18 3 , , PUNCT issue-164 18 4 it it PRON issue-164 18 5 highlights highlight VERB issue-164 18 6 other other ADJ issue-164 18 7 important important ADJ issue-164 18 8 characteristics characteristic NOUN issue-164 18 9 such such ADJ issue-164 18 10 as as ADP issue-164 18 11 a a DET issue-164 18 12 high high ADJ issue-164 18 13 level level NOUN issue-164 18 14 of of ADP issue-164 18 15 flexibility flexibility NOUN issue-164 18 16 and and CCONJ issue-164 18 17 transparency transparency NOUN issue-164 18 18 of of ADP issue-164 18 19 all all DET issue-164 18 20 the the DET issue-164 18 21 components component NOUN issue-164 18 22 . . PUNCT issue-164 19 1 also also ADV issue-164 19 2 , , PUNCT issue-164 19 3 the the DET issue-164 19 4 advantages advantage NOUN issue-164 19 5 and and CCONJ issue-164 19 6 disadvantages disadvantage NOUN issue-164 19 7 of of ADP issue-164 19 8 unit unit NOUN issue-164 19 9 - - PUNCT issue-164 19 10 linked link VERB issue-164 19 11 products product NOUN issue-164 19 12 are be AUX issue-164 19 13 considered consider VERB issue-164 19 14 as as ADP issue-164 19 15 compared compare VERB issue-164 19 16 to to ADP issue-164 19 17 alternative alternative ADJ issue-164 19 18 products product NOUN issue-164 19 19 , , PUNCT issue-164 19 20 its its PRON issue-164 19 21 classification classification NOUN issue-164 19 22 is be AUX issue-164 19 23 held hold VERB issue-164 19 24 for for ADP issue-164 19 25 the the DET issue-164 19 26 selected select VERB issue-164 19 27 parameter parameter NOUN issue-164 19 28 group group NOUN issue-164 19 29 . . PUNCT issue-164 20 1 the the DET issue-164 20 2 estimations estimation NOUN issue-164 20 3 of of ADP issue-164 20 4 the the DET issue-164 20 5 unit unit NOUN issue-164 20 6 - - PUNCT issue-164 20 7 linked link VERB issue-164 20 8 product product NOUN issue-164 20 9 development development NOUN issue-164 20 10 prospects prospect NOUN issue-164 20 11 , , PUNCT issue-164 20 12 as as ADV issue-164 20 13 well well ADV issue-164 20 14 as as ADP issue-164 20 15 its its PRON issue-164 20 16 influence influence NOUN issue-164 20 17 on on ADP issue-164 20 18 the the DET issue-164 20 19 growth growth NOUN issue-164 20 20 of of ADP issue-164 20 21 the the DET issue-164 20 22 insurance insurance NOUN issue-164 20 23 market market NOUN issue-164 20 24 , , PUNCT issue-164 20 25 are be AUX issue-164 20 26 made make VERB issue-164 20 27 . . PUNCT issue-164 21 1 the the DET issue-164 21 2 study study NOUN issue-164 21 3 justifies justify VERB issue-164 21 4 the the DET issue-164 21 5 legislative legislative ADJ issue-164 21 6 consolidation consolidation NOUN issue-164 21 7 of of ADP issue-164 21 8 the the DET issue-164 21 9 investment investment NOUN issue-164 21 10 life life NOUN issue-164 21 11 insurance insurance NOUN issue-164 21 12 along along ADP issue-164 21 13 with with ADP issue-164 21 14 a a DET issue-164 21 15 number number NOUN issue-164 21 16 of of ADP issue-164 21 17 expansionary expansionary ADJ issue-164 21 18 measures measure NOUN issue-164 21 19 successfully successfully ADV issue-164 21 20 implemented implement VERB issue-164 21 21 in in ADP issue-164 21 22 eastern eastern ADJ issue-164 21 23 european european ADJ issue-164 21 24 countries country NOUN issue-164 21 25 , , PUNCT issue-164 21 26 which which PRON issue-164 21 27 are be AUX issue-164 21 28 similar similar ADJ issue-164 21 29 to to ADP issue-164 21 30 ukraine ukraine NOUN issue-164 21 31 . . PUNCT issue-164 22 1 the the DET issue-164 22 2 result result NOUN issue-164 22 3 within within ADP issue-164 22 4 the the DET issue-164 22 5 framework framework NOUN issue-164 22 6 of of ADP issue-164 22 7 this this DET issue-164 22 8 direction direction NOUN issue-164 22 9 is be AUX issue-164 22 10 the the DET issue-164 22 11 development development NOUN issue-164 22 12 of of ADP issue-164 22 13 steps step NOUN issue-164 22 14 for for ADP issue-164 22 15 the the DET issue-164 22 16 implementation implementation NOUN issue-164 22 17 and and CCONJ issue-164 22 18 development development NOUN issue-164 22 19 of of ADP issue-164 22 20 the the DET issue-164 22 21 unitlinked unitlinked ADJ issue-164 22 22 product product NOUN issue-164 22 23 in in ADP issue-164 22 24 ukraine ukraine PROPN issue-164 22 25 . . PUNCT issue-164 23 1 key key ADJ issue-164 23 2 words word NOUN issue-164 23 3 : : PUNCT issue-164 23 4 life life NOUN issue-164 23 5 insurance insurance NOUN issue-164 23 6 , , PUNCT issue-164 23 7 innovative innovative ADJ issue-164 23 8 insurance insurance NOUN issue-164 23 9 products product NOUN issue-164 23 10 , , PUNCT issue-164 23 11 unit unit NOUN issue-164 23 12 - - PUNCT issue-164 23 13 linked link VERB issue-164 23 14 , , PUNCT issue-164 23 15 investment investment NOUN issue-164 23 16 income income NOUN issue-164 23 17 , , PUNCT issue-164 23 18 stock stock NOUN issue-164 23 19 market market NOUN issue-164 23 20 . . PUNCT issue-164 24 1 jel jel PROPN issue-164 24 2 classification classification PROPN issue-164 24 3 : : PUNCT issue-164 24 4 g23 g23 PROPN issue-164 24 5 , , PUNCT issue-164 24 6 h55 h55 PROPN issue-164 24 7 1 1 NUM issue-164 24 8 . . PUNCT issue-164 25 1 introduction introduction NOUN issue-164 25 2 the the DET issue-164 25 3 current current ADJ issue-164 25 4 state state NOUN issue-164 25 5 of of ADP issue-164 25 6 the the DET issue-164 25 7 insurance insurance NOUN issue-164 25 8 market market NOUN issue-164 25 9 requires require VERB issue-164 25 10 insurers insurer NOUN issue-164 25 11 to to PART issue-164 25 12 increase increase VERB issue-164 25 13 their their PRON issue-164 25 14 performance performance NOUN issue-164 25 15 standards standard NOUN issue-164 25 16 through through ADP issue-164 25 17 the the DET issue-164 25 18 introduction introduction NOUN issue-164 25 19 of of ADP issue-164 25 20 innovative innovative ADJ issue-164 25 21 products product NOUN issue-164 25 22 . . PUNCT issue-164 26 1 now now ADV issue-164 26 2 it it PRON issue-164 26 3 is be AUX issue-164 26 4 impossible impossible ADJ issue-164 26 5 to to PART issue-164 26 6 go go VERB issue-164 26 7 without without ADP issue-164 26 8 innovations innovation NOUN issue-164 26 9 because because SCONJ issue-164 26 10 they they PRON issue-164 26 11 are be AUX issue-164 26 12 always always ADV issue-164 26 13 associated associate VERB issue-164 26 14 with with ADP issue-164 26 15 the the DET issue-164 26 16 demand demand NOUN issue-164 26 17 for for ADP issue-164 26 18 innovation innovation NOUN issue-164 26 19 in in ADP issue-164 26 20 a a DET issue-164 26 21 particular particular ADJ issue-164 26 22 situation situation NOUN issue-164 26 23 and and CCONJ issue-164 26 24 the the DET issue-164 26 25 availability availability NOUN issue-164 26 26 of of ADP issue-164 26 27 an an DET issue-164 26 28 investment investment NOUN issue-164 26 29 potential potential NOUN issue-164 26 30 . . PUNCT issue-164 27 1 this this DET issue-164 27 2 innovative innovative ADJ issue-164 27 3 direction direction NOUN issue-164 27 4 will will AUX issue-164 27 5 enhance enhance VERB issue-164 27 6 the the DET issue-164 27 7 scope scope NOUN issue-164 27 8 of of ADP issue-164 27 9 insurance insurance NOUN issue-164 27 10 activities activity NOUN issue-164 27 11 , , PUNCT issue-164 27 12 whereby whereby SCONJ issue-164 27 13 there there PRON issue-164 27 14 would would AUX issue-164 27 15 be be AUX issue-164 27 16 a a DET issue-164 27 17 trend trend NOUN issue-164 27 18 towards towards ADP issue-164 27 19 the the DET issue-164 27 20 introduction introduction NOUN issue-164 27 21 of of ADP issue-164 27 22 innovative innovative ADJ issue-164 27 23 approaches approach NOUN issue-164 27 24 , , PUNCT issue-164 27 25 conditions condition NOUN issue-164 27 26 for for ADP issue-164 27 27 attractive attractive ADJ issue-164 27 28 insurance insurance NOUN issue-164 27 29 products product NOUN issue-164 27 30 would would AUX issue-164 27 31 be be AUX issue-164 27 32 created create VERB issue-164 27 33 , , PUNCT issue-164 27 34 which which PRON issue-164 27 35 , , PUNCT issue-164 27 36 in in ADP issue-164 27 37 turn turn NOUN issue-164 27 38 , , PUNCT issue-164 27 39 would would AUX issue-164 27 40 improve improve VERB issue-164 27 41 the the DET issue-164 27 42 economic economic ADJ issue-164 27 43 performance performance NOUN issue-164 27 44 of of ADP issue-164 27 45 the the DET issue-164 27 46 insurance insurance NOUN issue-164 27 47 companies company NOUN issue-164 27 48 and and CCONJ issue-164 27 49 the the DET issue-164 27 50 whole whole ADJ issue-164 27 51 insurance insurance NOUN issue-164 27 52 market market NOUN issue-164 27 53 ( ( PUNCT issue-164 27 54 denisenko denisenko PROPN issue-164 27 55 , , PUNCT issue-164 27 56 2015 2015 NUM issue-164 27 57 ) ) PUNCT issue-164 27 58 . . PUNCT issue-164 28 1 so so ADV issue-164 28 2 , , PUNCT issue-164 28 3 a a DET issue-164 28 4 comprehensive comprehensive ADJ issue-164 28 5 unit unit NOUN issue-164 28 6 - - PUNCT issue-164 28 7 linked link VERB issue-164 28 8 product product NOUN issue-164 28 9 , , PUNCT issue-164 28 10 which which PRON issue-164 28 11 is be AUX issue-164 28 12 an an DET issue-164 28 13 innovation innovation NOUN issue-164 28 14 in in ADP issue-164 28 15 the the DET issue-164 28 16 insurance insurance NOUN issue-164 28 17 market market NOUN issue-164 28 18 of of ADP issue-164 28 19 ukraine ukraine NOUN issue-164 28 20 , , PUNCT issue-164 28 21 has have AUX issue-164 28 22 been be AUX issue-164 28 23 developed develop VERB issue-164 28 24 by by ADP issue-164 28 25 western western ADJ issue-164 28 26 insurance insurance NOUN issue-164 28 27 companies company NOUN issue-164 28 28 in in ADP issue-164 28 29 the the DET issue-164 28 30 process process NOUN issue-164 28 31 of of ADP issue-164 28 32 improvement improvement NOUN issue-164 28 33 of of ADP issue-164 28 34 accumulative accumulative ADJ issue-164 28 35 insurance insurance NOUN issue-164 28 36 programs program NOUN issue-164 28 37 and and CCONJ issue-164 28 38 in in ADP issue-164 28 39 order order NOUN issue-164 28 40 to to PART issue-164 28 41 increase increase VERB issue-164 28 42 their their PRON issue-164 28 43 profitability profitability NOUN issue-164 28 44 . . PUNCT issue-164 29 1 the the DET issue-164 29 2 orientation orientation NOUN issue-164 29 3 of of ADP issue-164 29 4 insurance insurance NOUN issue-164 29 5 companies company NOUN issue-164 29 6 ’ ' PUNCT issue-164 29 7 activities activity NOUN issue-164 29 8 to to ADP issue-164 29 9 life life NOUN issue-164 29 10 insurance insurance NOUN issue-164 29 11 is be AUX issue-164 29 12 actual actual ADJ issue-164 29 13 in in ADP issue-164 29 14 the the DET issue-164 29 15 situation situation NOUN issue-164 29 16 of of ADP issue-164 29 17 a a DET issue-164 29 18 slowdown slowdown NOUN issue-164 29 19 in in ADP issue-164 29 20 the the DET issue-164 29 21 growth growth NOUN issue-164 29 22 of of ADP issue-164 29 23 the the DET issue-164 29 24 insurance insurance NOUN issue-164 29 25 market market NOUN issue-164 29 26 , , PUNCT issue-164 29 27 and and CCONJ issue-164 29 28 a a DET issue-164 29 29 lot lot NOUN issue-164 29 30 of of ADP issue-164 29 31 losses loss NOUN issue-164 29 32 in in ADP issue-164 29 33 certain certain ADJ issue-164 29 34 types type NOUN issue-164 29 35 of of ADP issue-164 29 36 insurance insurance NOUN issue-164 29 37 activity activity NOUN issue-164 29 38 . . PUNCT issue-164 30 1 despite despite SCONJ issue-164 30 2 the the DET issue-164 30 3 crisis crisis NOUN issue-164 30 4 and and CCONJ issue-164 30 5 reduced reduced ADJ issue-164 30 6 solvency solvency NOUN issue-164 30 7 of of ADP issue-164 30 8 the the DET issue-164 30 9 population population NOUN issue-164 30 10 , , PUNCT issue-164 30 11 life life NOUN issue-164 30 12 insurance insurance NOUN issue-164 30 13 is be AUX issue-164 30 14 promising promise VERB issue-164 30 15 due due ADP issue-164 30 16 to to ADP issue-164 30 17 the the DET issue-164 30 18 uniqueness uniqueness NOUN issue-164 30 19 of of ADP issue-164 30 20 its its PRON issue-164 30 21 content content NOUN issue-164 30 22 , , PUNCT issue-164 30 23 providing provide VERB issue-164 30 24 the the DET issue-164 30 25 state state NOUN issue-164 30 26 long long ADJ issue-164 30 27 - - PUNCT issue-164 30 28 term term NOUN issue-164 30 29 investments investment NOUN issue-164 30 30 and and CCONJ issue-164 30 31 reducing reduce VERB issue-164 30 32 social social ADJ issue-164 30 33 tension tension NOUN issue-164 30 34 . . PUNCT issue-164 31 1 investment investment NOUN issue-164 31 2 life life NOUN issue-164 31 3 insurance insurance NOUN issue-164 31 4 market market NOUN issue-164 31 5 development development NOUN issue-164 31 6 can can AUX issue-164 31 7 play play VERB issue-164 31 8 an an DET issue-164 31 9 important important ADJ issue-164 31 10 and and CCONJ issue-164 31 11 multifaceted multifaceted ADJ issue-164 31 12 role role NOUN issue-164 31 13 in in ADP issue-164 31 14 the the DET issue-164 31 15 economic economic ADJ issue-164 31 16 growth growth NOUN issue-164 31 17 of of ADP issue-164 31 18 ukraine ukraine NOUN issue-164 31 19 . . PUNCT issue-164 32 1 we we PRON issue-164 32 2 should should AUX issue-164 32 3 expect expect VERB issue-164 32 4 not not PART issue-164 32 5 only only ADV issue-164 32 6 changes change NOUN issue-164 32 7 in in ADP issue-164 32 8 the the DET issue-164 32 9 volume volume NOUN issue-164 32 10 and and CCONJ issue-164 32 11 structure structure NOUN issue-164 32 12 of of ADP issue-164 32 13 the the DET issue-164 32 14 insurance insurance NOUN issue-164 32 15 market market NOUN issue-164 32 16 but but CCONJ issue-164 32 17 also also ADV issue-164 32 18 the the DET issue-164 32 19 impact impact NOUN issue-164 32 20 on on ADP issue-164 32 21 other other ADJ issue-164 32 22 sectors sector NOUN issue-164 32 23 and and CCONJ issue-164 32 24 areas area NOUN issue-164 32 25 , , PUNCT issue-164 32 26 as as ADV issue-164 32 27 well well ADV issue-164 32 28 as as ADP issue-164 32 29 ukraine ukraine NOUN issue-164 32 30 's 's PART issue-164 32 31 economy economy NOUN issue-164 32 32 as as ADP issue-164 32 33 a a DET issue-164 32 34 whole whole NOUN issue-164 32 35 . . PUNCT issue-164 33 1 2 2 X issue-164 33 2 . . X issue-164 33 3 genesis genesis NOUN issue-164 33 4 of of ADP issue-164 33 5 unit unit NOUN issue-164 33 6 - - PUNCT issue-164 33 7 linked link VERB issue-164 33 8 products product NOUN issue-164 33 9 . . PUNCT issue-164 34 1 large large ADJ issue-164 34 2 financial financial ADJ issue-164 34 3 institutions institution NOUN issue-164 34 4 of of ADP issue-164 34 5 the the DET issue-164 34 6 world world NOUN issue-164 34 7 financial financial ADJ issue-164 34 8 market market NOUN issue-164 34 9 are be AUX issue-164 34 10 mainly mainly ADV issue-164 34 11 represented represent VERB issue-164 34 12 by by ADP issue-164 34 13 the the DET issue-164 34 14 insurance insurance NOUN issue-164 34 15 companies company NOUN issue-164 34 16 . . PUNCT issue-164 35 1 the the DET issue-164 35 2 prevailing prevail VERB issue-164 35 3 type type NOUN issue-164 35 4 of of ADP issue-164 35 5 insurance insurance NOUN issue-164 35 6 in in ADP issue-164 35 7 the the DET issue-164 35 8 baltic baltic ADJ issue-164 35 9 journal journal PROPN issue-164 35 10 of of ADP issue-164 35 11 economic economic ADJ issue-164 35 12 studies study NOUN issue-164 35 13 89 89 NUM issue-164 35 14 vol vol NOUN issue-164 35 15 . . PUNCT issue-164 36 1 3 3 NUM issue-164 36 2 , , PUNCT issue-164 36 3 no no INTJ issue-164 36 4 . . NOUN issue-164 36 5 1 1 NUM issue-164 36 6 , , PUNCT issue-164 36 7 2017 2017 NUM issue-164 36 8 international international ADJ issue-164 36 9 insurance insurance NOUN issue-164 36 10 market market NOUN issue-164 36 11 is be AUX issue-164 36 12 life life NOUN issue-164 36 13 insurance insurance NOUN issue-164 36 14 ; ; PUNCT issue-164 36 15 it it PRON issue-164 36 16 takes take VERB issue-164 36 17 up up ADP issue-164 36 18 to to PART issue-164 36 19 70 70 NUM issue-164 36 20 % % NOUN issue-164 36 21 of of ADP issue-164 36 22 the the DET issue-164 36 23 market market NOUN issue-164 36 24 structure structure NOUN issue-164 36 25 . . PUNCT issue-164 37 1 the the DET issue-164 37 2 main main ADJ issue-164 37 3 flows flow NOUN issue-164 37 4 of of ADP issue-164 37 5 insurance insurance NOUN issue-164 37 6 premiums premium NOUN issue-164 37 7 are be AUX issue-164 37 8 observed observe VERB issue-164 37 9 in in ADP issue-164 37 10 the the DET issue-164 37 11 united united PROPN issue-164 37 12 states states PROPN issue-164 37 13 , , PUNCT issue-164 37 14 japan japan PROPN issue-164 37 15 , , PUNCT issue-164 37 16 britain britain PROPN issue-164 37 17 and and CCONJ issue-164 37 18 france france PROPN issue-164 37 19 . . PUNCT issue-164 38 1 the the DET issue-164 38 2 experience experience NOUN issue-164 38 3 of of ADP issue-164 38 4 these these DET issue-164 38 5 countries country NOUN issue-164 38 6 shows show VERB issue-164 38 7 that that SCONJ issue-164 38 8 life life NOUN issue-164 38 9 insurance insurance NOUN issue-164 38 10 is be AUX issue-164 38 11 a a DET issue-164 38 12 highly highly ADV issue-164 38 13 costeffective costeffective ADJ issue-164 38 14 type type NOUN issue-164 38 15 of of ADP issue-164 38 16 business business NOUN issue-164 38 17 ( ( PUNCT issue-164 38 18 sharyfyanova sharyfyanova NOUN issue-164 38 19 , , PUNCT issue-164 38 20 2015 2015 NUM issue-164 38 21 ) ) PUNCT issue-164 38 22 . . PUNCT issue-164 39 1 the the DET issue-164 39 2 history history NOUN issue-164 39 3 of of ADP issue-164 39 4 the the DET issue-164 39 5 origin origin NOUN issue-164 39 6 and and CCONJ issue-164 39 7 evolution evolution NOUN issue-164 39 8 of of ADP issue-164 39 9 funded fund VERB issue-164 39 10 products product NOUN issue-164 39 11 is be AUX issue-164 39 12 quite quite ADV issue-164 39 13 long long ADJ issue-164 39 14 . . PUNCT issue-164 40 1 back back ADV issue-164 40 2 in in ADP issue-164 40 3 the the DET issue-164 40 4 1930s 1930 NOUN issue-164 40 5 , , PUNCT issue-164 40 6 the the DET issue-164 40 7 first first ADJ issue-164 40 8 ideas idea NOUN issue-164 40 9 for for ADP issue-164 40 10 the the DET issue-164 40 11 modification modification NOUN issue-164 40 12 of of ADP issue-164 40 13 traditional traditional ADJ issue-164 40 14 life life NOUN issue-164 40 15 insurance insurance NOUN issue-164 40 16 products product NOUN issue-164 40 17 were be AUX issue-164 40 18 made make VERB issue-164 40 19 . . PUNCT issue-164 41 1 thus thus ADV issue-164 41 2 , , PUNCT issue-164 41 3 in in ADP issue-164 41 4 1928 1928 NUM issue-164 41 5 h.e h.e PROPN issue-164 41 6 . . PROPN issue-164 41 7 raynes raynes PROPN issue-164 41 8 presented present VERB issue-164 41 9 the the DET issue-164 41 10 work work NOUN issue-164 41 11 " " PUNCT issue-164 41 12 the the DET issue-164 41 13 place place NOUN issue-164 41 14 of of ADP issue-164 41 15 ordinary ordinary ADJ issue-164 41 16 stocks stock NOUN issue-164 41 17 and and CCONJ issue-164 41 18 shares share NOUN issue-164 41 19 ( ( PUNCT issue-164 41 20 as as ADP issue-164 41 21 distinct distinct ADJ issue-164 41 22 from from ADP issue-164 41 23 fixed fix VERB issue-164 41 24 interest interest NOUN issue-164 41 25 bearing bear VERB issue-164 41 26 securities security NOUN issue-164 41 27 ) ) PUNCT issue-164 41 28 in in ADP issue-164 41 29 the the DET issue-164 41 30 investment investment NOUN issue-164 41 31 of of ADP issue-164 41 32 life life NOUN issue-164 41 33 assurance assurance NOUN issue-164 41 34 funds fund NOUN issue-164 41 35 " " PUNCT issue-164 41 36 which which PRON issue-164 41 37 has have AUX issue-164 41 38 pointed point VERB issue-164 41 39 to to ADP issue-164 41 40 the the DET issue-164 41 41 need need NOUN issue-164 41 42 to to PART issue-164 41 43 find find VERB issue-164 41 44 a a DET issue-164 41 45 method method NOUN issue-164 41 46 that that PRON issue-164 41 47 could could AUX issue-164 41 48 make make VERB issue-164 41 49 it it PRON issue-164 41 50 possible possible ADJ issue-164 41 51 to to PART issue-164 41 52 counteract counteract VERB issue-164 41 53 the the DET issue-164 41 54 impairment impairment NOUN issue-164 41 55 of of ADP issue-164 41 56 the the DET issue-164 41 57 cash cash NOUN issue-164 41 58 flows flow NOUN issue-164 41 59 generated generate VERB issue-164 41 60 by by ADP issue-164 41 61 policies policy NOUN issue-164 41 62 of of ADP issue-164 41 63 classical classical ADJ issue-164 41 64 accumulative accumulative ADJ issue-164 41 65 insurance insurance NOUN issue-164 41 66 . . PUNCT issue-164 42 1 as as ADP issue-164 42 2 a a DET issue-164 42 3 part part NOUN issue-164 42 4 of of ADP issue-164 42 5 that that DET issue-164 42 6 work work NOUN issue-164 42 7 , , PUNCT issue-164 42 8 the the DET issue-164 42 9 most most ADV issue-164 42 10 suitable suitable ADJ issue-164 42 11 means mean NOUN issue-164 42 12 for for ADP issue-164 42 13 this this DET issue-164 42 14 purpose purpose NOUN issue-164 42 15 was be AUX issue-164 42 16 called call VERB issue-164 42 17 investment investment NOUN issue-164 42 18 in in ADP issue-164 42 19 shares share NOUN issue-164 42 20 , , PUNCT issue-164 42 21 because because SCONJ issue-164 42 22 the the DET issue-164 42 23 placement placement NOUN issue-164 42 24 of of ADP issue-164 42 25 insurance insurance NOUN issue-164 42 26 reserves reserve NOUN issue-164 42 27 in in ADP issue-164 42 28 them they PRON issue-164 42 29 was be AUX issue-164 42 30 also also ADV issue-164 42 31 possible possible ADJ issue-164 42 32 at at ADP issue-164 42 33 that that DET issue-164 42 34 time time NOUN issue-164 42 35 . . PUNCT issue-164 43 1 however however ADV issue-164 43 2 , , PUNCT issue-164 43 3 the the DET issue-164 43 4 increase increase NOUN issue-164 43 5 in in ADP issue-164 43 6 the the DET issue-164 43 7 equity equity NOUN issue-164 43 8 investment investment NOUN issue-164 43 9 ratio ratio NOUN issue-164 43 10 in in ADP issue-164 43 11 itself itself PRON issue-164 43 12 is be AUX issue-164 43 13 not not PART issue-164 43 14 a a DET issue-164 43 15 transition transition NOUN issue-164 43 16 to to ADP issue-164 43 17 investment investment NOUN issue-164 43 18 products product NOUN issue-164 43 19 , , PUNCT issue-164 43 20 due due ADP issue-164 43 21 to to ADP issue-164 43 22 an an DET issue-164 43 23 availability availability NOUN issue-164 43 24 of of ADP issue-164 43 25 other other ADJ issue-164 43 26 , , PUNCT issue-164 43 27 much much ADV issue-164 43 28 more more ADV issue-164 43 29 important important ADJ issue-164 43 30 properties property NOUN issue-164 43 31 of of ADP issue-164 43 32 the the DET issue-164 43 33 action action NOUN issue-164 43 34 ( ( PUNCT issue-164 43 35 rodger rodger NOUN issue-164 43 36 , , PUNCT issue-164 43 37 2009 2009 NUM issue-164 43 38 ) ) PUNCT issue-164 43 39 . . PUNCT issue-164 44 1 only only ADV issue-164 44 2 more more ADJ issue-164 44 3 than than ADP issue-164 44 4 20 20 NUM issue-164 44 5 years year NOUN issue-164 44 6 after after ADP issue-164 44 7 the the DET issue-164 44 8 publication publication NOUN issue-164 44 9 of of ADP issue-164 44 10 the the DET issue-164 44 11 h.e h.e PROPN issue-164 44 12 . . PROPN issue-164 44 13 raynes raynes PROPN issue-164 44 14 's 's PART issue-164 44 15 work work NOUN issue-164 44 16 , , PUNCT issue-164 44 17 first first ADJ issue-164 44 18 unit unit NOUN issue-164 44 19 - - PUNCT issue-164 44 20 linked link VERB issue-164 44 21 products product NOUN issue-164 44 22 began begin VERB issue-164 44 23 to to PART issue-164 44 24 appear appear VERB issue-164 44 25 in in ADP issue-164 44 26 the the DET issue-164 44 27 insurance insurance NOUN issue-164 44 28 markets market NOUN issue-164 44 29 of of ADP issue-164 44 30 developed develop VERB issue-164 44 31 countries country NOUN issue-164 44 32 . . PUNCT issue-164 45 1 that that PRON issue-164 45 2 is be AUX issue-164 45 3 , , PUNCT issue-164 45 4 the the DET issue-164 45 5 first first ADJ issue-164 45 6 half half NOUN issue-164 45 7 of of ADP issue-164 45 8 the the DET issue-164 45 9 1950s 1950 NOUN issue-164 45 10 can can AUX issue-164 45 11 be be AUX issue-164 45 12 identified identify VERB issue-164 45 13 as as ADP issue-164 45 14 the the DET issue-164 45 15 beginning beginning NOUN issue-164 45 16 of of ADP issue-164 45 17 the the DET issue-164 45 18 first first ADJ issue-164 45 19 stage stage NOUN issue-164 45 20 for for ADP issue-164 45 21 developing develop VERB issue-164 45 22 those those DET issue-164 45 23 products product NOUN issue-164 45 24 . . PUNCT issue-164 46 1 at at ADP issue-164 46 2 this this DET issue-164 46 3 time time NOUN issue-164 46 4 , , PUNCT issue-164 46 5 the the DET issue-164 46 6 investment investment NOUN issue-164 46 7 component component NOUN issue-164 46 8 of of ADP issue-164 46 9 a a DET issue-164 46 10 policy policy NOUN issue-164 46 11 was be AUX issue-164 46 12 pointed point VERB issue-164 46 13 out out ADP issue-164 46 14 for for ADP issue-164 46 15 the the DET issue-164 46 16 first first ADJ issue-164 46 17 time time NOUN issue-164 46 18 : : PUNCT issue-164 46 19 customers customer NOUN issue-164 46 20 have have AUX issue-164 46 21 received receive VERB issue-164 46 22 an an DET issue-164 46 23 opportunity opportunity NOUN issue-164 46 24 to to PART issue-164 46 25 choose choose VERB issue-164 46 26 an an DET issue-164 46 27 object object NOUN issue-164 46 28 of of ADP issue-164 46 29 investment investment NOUN issue-164 46 30 ( ( PUNCT issue-164 46 31 kutty kutty PROPN issue-164 46 32 , , PUNCT issue-164 46 33 2011 2011 NUM issue-164 46 34 ) ) PUNCT issue-164 46 35 . . PUNCT issue-164 47 1 further far ADV issue-164 47 2 , , PUNCT issue-164 47 3 during during ADP issue-164 47 4 the the DET issue-164 47 5 1960s 1960 NOUN issue-164 47 6 and and CCONJ issue-164 47 7 the the DET issue-164 47 8 beginning beginning NOUN issue-164 47 9 of of ADP issue-164 47 10 the the DET issue-164 47 11 1970s 1970 NOUN issue-164 47 12 , , PUNCT issue-164 47 13 other other ADJ issue-164 47 14 key key ADJ issue-164 47 15 steps step NOUN issue-164 47 16 were be AUX issue-164 47 17 taken take VERB issue-164 47 18 , , PUNCT issue-164 47 19 which which PRON issue-164 47 20 led lead VERB issue-164 47 21 to to ADP issue-164 47 22 the the DET issue-164 47 23 formation formation NOUN issue-164 47 24 of of ADP issue-164 47 25 a a DET issue-164 47 26 full full ADJ issue-164 47 27 - - PUNCT issue-164 47 28 fledged fledge VERB issue-164 47 29 unit unit NOUN issue-164 47 30 - - PUNCT issue-164 47 31 linked link VERB issue-164 47 32 product product NOUN issue-164 47 33 , , PUNCT issue-164 47 34 the the DET issue-164 47 35 nature nature NOUN issue-164 47 36 of of ADP issue-164 47 37 which which PRON issue-164 47 38 corresponded correspond VERB issue-164 47 39 to to ADP issue-164 47 40 the the DET issue-164 47 41 modern modern ADJ issue-164 47 42 understanding understanding NOUN issue-164 47 43 of of ADP issue-164 47 44 this this DET issue-164 47 45 type type NOUN issue-164 47 46 of of ADP issue-164 47 47 products product NOUN issue-164 47 48 . . PUNCT issue-164 48 1 it it PRON issue-164 48 2 was be AUX issue-164 48 3 at at ADP issue-164 48 4 this this DET issue-164 48 5 time time NOUN issue-164 48 6 when when SCONJ issue-164 48 7 a a DET issue-164 48 8 course course NOUN issue-164 48 9 has have AUX issue-164 48 10 been be AUX issue-164 48 11 held hold VERB issue-164 48 12 for for ADP issue-164 48 13 a a DET issue-164 48 14 unit unit NOUN issue-164 48 15 - - PUNCT issue-164 48 16 linked link VERB issue-164 48 17 product product NOUN issue-164 48 18 transparency transparency NOUN issue-164 48 19 for for ADP issue-164 48 20 a a DET issue-164 48 21 customer customer NOUN issue-164 48 22 in in ADP issue-164 48 23 terms term NOUN issue-164 48 24 of of ADP issue-164 48 25 both both CCONJ issue-164 48 26 investment investment NOUN issue-164 48 27 and and CCONJ issue-164 48 28 insurance insurance NOUN issue-164 48 29 components component NOUN issue-164 48 30 ( ( PUNCT issue-164 48 31 zevnik zevnik X issue-164 48 32 , , PUNCT issue-164 48 33 2010 2010 NUM issue-164 48 34 ) ) PUNCT issue-164 48 35 . . PUNCT issue-164 49 1 now now ADV issue-164 49 2 unit unit NOUN issue-164 49 3 - - PUNCT issue-164 49 4 linked link VERB issue-164 49 5 policies policy NOUN issue-164 49 6 are be AUX issue-164 49 7 among among ADP issue-164 49 8 the the DET issue-164 49 9 most most ADV issue-164 49 10 sold sell VERB issue-164 49 11 in in ADP issue-164 49 12 the the DET issue-164 49 13 investment investment NOUN issue-164 49 14 and and CCONJ issue-164 49 15 insurance insurance NOUN issue-164 49 16 markets market NOUN issue-164 49 17 in in ADP issue-164 49 18 the the DET issue-164 49 19 world world NOUN issue-164 49 20 . . PUNCT issue-164 50 1 in in ADP issue-164 50 2 the the DET issue-164 50 3 us us PROPN issue-164 50 4 , , PUNCT issue-164 50 5 60 60 NUM issue-164 50 6 % % NOUN issue-164 50 7 of of ADP issue-164 50 8 all all DET issue-164 50 9 accumulative accumulative ADJ issue-164 50 10 insurance insurance NOUN issue-164 50 11 programs program NOUN issue-164 50 12 represent represent VERB issue-164 50 13 an an DET issue-164 50 14 investment investment NOUN issue-164 50 15 life life NOUN issue-164 50 16 insurance insurance NOUN issue-164 50 17 . . PUNCT issue-164 51 1 in in ADP issue-164 51 2 europe europe PROPN issue-164 51 3 , , PUNCT issue-164 51 4 its its PRON issue-164 51 5 share share NOUN issue-164 51 6 in in ADP issue-164 51 7 different different ADJ issue-164 51 8 countries country NOUN issue-164 51 9 makes make VERB issue-164 51 10 from from ADP issue-164 51 11 30 30 NUM issue-164 51 12 to to PART issue-164 51 13 70 70 NUM issue-164 51 14 % % NOUN issue-164 51 15 , , PUNCT issue-164 51 16 for for ADP issue-164 51 17 example example NOUN issue-164 51 18 , , PUNCT issue-164 51 19 in in ADP issue-164 51 20 lithuania lithuania PROPN issue-164 51 21     SPACE issue-164 51 22 – – PUNCT issue-164 51 23 80.5 80.5 NUM issue-164 51 24 % % NOUN issue-164 51 25 , , PUNCT issue-164 51 26 hungary hungary PROPN issue-164 51 27     SPACE issue-164 51 28 – – PUNCT issue-164 51 29 66 66 NUM issue-164 51 30 % % NOUN issue-164 51 31 , , PUNCT issue-164 51 32 poland poland PROPN issue-164 51 33     SPACE issue-164 51 34 – – PUNCT issue-164 51 35 24.6 24.6 NUM issue-164 51 36 % % NOUN issue-164 51 37 ( ( PUNCT issue-164 51 38 european european ADJ issue-164 51 39 insurance insurance NOUN issue-164 51 40     SPACE issue-164 51 41 – – PUNCT issue-164 51 42 key key ADJ issue-164 51 43 facts fact NOUN issue-164 51 44 , , PUNCT issue-164 51 45 cea cea PROPN issue-164 51 46 insurers insurer NOUN issue-164 51 47 of of ADP issue-164 51 48 europe europe PROPN issue-164 51 49 ) ) PUNCT issue-164 51 50 . . PUNCT issue-164 52 1 3 3 X issue-164 52 2 . . X issue-164 52 3 the the DET issue-164 52 4 essence essence NOUN issue-164 52 5 of of ADP issue-164 52 6 the the DET issue-164 52 7 unit unit NOUN issue-164 52 8 - - PUNCT issue-164 52 9 linked link VERB issue-164 52 10 product product NOUN issue-164 52 11 and and CCONJ issue-164 52 12 its its PRON issue-164 52 13 comparison comparison NOUN issue-164 52 14 with with ADP issue-164 52 15 the the DET issue-164 52 16 traditional traditional ADJ issue-164 52 17 policies policy NOUN issue-164 52 18 of of ADP issue-164 52 19 accumulative accumulative ADJ issue-164 52 20 life life NOUN issue-164 52 21 insurance insurance NOUN issue-164 52 22 . . PUNCT issue-164 53 1 at at ADP issue-164 53 2 the the DET issue-164 53 3 present present ADJ issue-164 53 4 stage stage NOUN issue-164 53 5 of of ADP issue-164 53 6 development development NOUN issue-164 53 7 of of ADP issue-164 53 8 the the DET issue-164 53 9 insurance insurance NOUN issue-164 53 10 market market NOUN issue-164 53 11 , , PUNCT issue-164 53 12 there there PRON issue-164 53 13 is be VERB issue-164 53 14 a a DET issue-164 53 15 huge huge ADJ issue-164 53 16 amount amount NOUN issue-164 53 17 of of ADP issue-164 53 18 long long ADJ issue-164 53 19 - - PUNCT issue-164 53 20 term term NOUN issue-164 53 21 life life NOUN issue-164 53 22 insurance insurance NOUN issue-164 53 23 programs program NOUN issue-164 53 24 , , PUNCT issue-164 53 25 among among ADP issue-164 53 26 which which PRON issue-164 53 27 are be AUX issue-164 53 28 the the DET issue-164 53 29 following follow VERB issue-164 53 30 : : PUNCT issue-164 53 31 classical classical ADJ issue-164 53 32 accumulative accumulative ADJ issue-164 53 33 life life NOUN issue-164 53 34 insurance insurance NOUN issue-164 53 35 when when SCONJ issue-164 53 36 the the DET issue-164 53 37 rate rate NOUN issue-164 53 38 of of ADP issue-164 53 39 return return NOUN issue-164 53 40 is be AUX issue-164 53 41 taken take VERB issue-164 53 42 into into ADP issue-164 53 43 account account NOUN issue-164 53 44 in in ADP issue-164 53 45 the the DET issue-164 53 46 calculation calculation NOUN issue-164 53 47 of of ADP issue-164 53 48 insurance insurance NOUN issue-164 53 49 rates rate NOUN issue-164 53 50 and and CCONJ issue-164 53 51 is be AUX issue-164 53 52 constant constant ADJ issue-164 53 53 throughout throughout ADP issue-164 53 54 the the DET issue-164 53 55 term term NOUN issue-164 53 56 of of ADP issue-164 53 57 the the DET issue-164 53 58 contract contract NOUN issue-164 53 59 ; ; PUNCT issue-164 53 60 life life NOUN issue-164 53 61 insurance insurance NOUN issue-164 53 62 with with ADP issue-164 53 63 the the DET issue-164 53 64 accounting accounting NOUN issue-164 53 65 of of ADP issue-164 53 66 a a DET issue-164 53 67 coverage coverage NOUN issue-164 53 68 in in ADP issue-164 53 69 the the DET issue-164 53 70 capital capital NOUN issue-164 53 71 reserve reserve PROPN issue-164 53 72 ( ( PUNCT issue-164 53 73 used use VERB issue-164 53 74 mainly mainly ADV issue-164 53 75 in in ADP issue-164 53 76 europe europe PROPN issue-164 53 77 ) ) PUNCT issue-164 53 78 when when SCONJ issue-164 53 79 a a DET issue-164 53 80 part part NOUN issue-164 53 81 of of ADP issue-164 53 82 the the DET issue-164 53 83 insurance insurance NOUN issue-164 53 84 premium premium NOUN issue-164 53 85 includes include VERB issue-164 53 86 a a DET issue-164 53 87 certain certain ADJ issue-164 53 88 standard standard NOUN issue-164 53 89 of of ADP issue-164 53 90 savings saving NOUN issue-164 53 91 invested invest VERB issue-164 53 92 by by ADP issue-164 53 93 the the DET issue-164 53 94 insurance insurance NOUN issue-164 53 95 company company NOUN issue-164 53 96 . . PUNCT issue-164 54 1 thus thus ADV issue-164 54 2 a a DET issue-164 54 3 reserve reserve NOUN issue-164 54 4 fund fund NOUN issue-164 54 5 for for ADP issue-164 54 6 coverage coverage NOUN issue-164 54 7 is be AUX issue-164 54 8 formed form VERB issue-164 54 9 , , PUNCT issue-164 54 10 but but CCONJ issue-164 54 11 the the DET issue-164 54 12 yield yield NOUN issue-164 54 13 on on ADP issue-164 54 14 such such ADJ issue-164 54 15 contracts contract NOUN issue-164 54 16 is be AUX issue-164 54 17 low low ADJ issue-164 54 18 ; ; PUNCT issue-164 54 19 table table NOUN issue-164 54 20 1 1 NUM issue-164 54 21 comparison comparison NOUN issue-164 54 22 of of ADP issue-164 54 23 the the DET issue-164 54 24 main main ADJ issue-164 54 25 unit unit NOUN issue-164 54 26 - - PUNCT issue-164 54 27 linked link VERB issue-164 54 28 parameters parameter NOUN issue-164 54 29 and and CCONJ issue-164 54 30 traditional traditional ADJ issue-164 54 31 life life NOUN issue-164 54 32 insurance insurance NOUN issue-164 54 33 policies policy NOUN issue-164 54 34 parameters parameter NOUN issue-164 54 35 traditional traditional ADJ issue-164 54 36 products product NOUN issue-164 54 37 unit unit NOUN issue-164 54 38 - - PUNCT issue-164 54 39 linked link VERB issue-164 54 40 products product NOUN issue-164 54 41 product product NOUN issue-164 54 42 goal goal NOUN issue-164 54 43 1 1 NUM issue-164 54 44 . . PUNCT issue-164 54 45 insurance insurance NOUN issue-164 54 46 cover cover NOUN issue-164 54 47 . . PUNCT issue-164 55 1 2 2 X issue-164 55 2 . . X issue-164 55 3 accumulation accumulation NOUN issue-164 55 4 of of ADP issue-164 55 5 funds fund NOUN issue-164 55 6 for for ADP issue-164 55 7 the the DET issue-164 55 8 time time NOUN issue-164 55 9 left leave VERB issue-164 55 10 to to PART issue-164 55 11 live live VERB issue-164 55 12 without without ADP issue-164 55 13 the the DET issue-164 55 14 possibility possibility NOUN issue-164 55 15 of of ADP issue-164 55 16 their their PRON issue-164 55 17 augmenting augmenting NOUN issue-164 55 18 . . PUNCT issue-164 56 1 1 1 X issue-164 56 2 . . X issue-164 56 3 full full ADJ issue-164 56 4 - - PUNCT issue-164 56 5 fledged fledged ADJ issue-164 56 6 investment investment NOUN issue-164 56 7 . . PUNCT issue-164 57 1 2 2 X issue-164 57 2 . . X issue-164 57 3 insurance insurance NOUN issue-164 57 4 protection protection NOUN issue-164 57 5 . . PUNCT issue-164 58 1 investments investment NOUN issue-164 58 2 there there PRON issue-164 58 3 is be VERB issue-164 58 4 no no DET issue-164 58 5 possibility possibility NOUN issue-164 58 6 of of ADP issue-164 58 7 choosing choose VERB issue-164 58 8 investments investment NOUN issue-164 58 9 . . PUNCT issue-164 59 1 a a DET issue-164 59 2 minimum minimum ADJ issue-164 59 3 guaranteed guarantee VERB issue-164 59 4 yield yield NOUN issue-164 59 5 accrual accrual ADJ issue-164 59 6 on on ADP issue-164 59 7 capital capital NOUN issue-164 59 8 is be AUX issue-164 59 9 proposed propose VERB issue-164 59 10 . . PUNCT issue-164 60 1 a a DET issue-164 60 2 policyholder policyholder NOUN issue-164 60 3 has have VERB issue-164 60 4 the the DET issue-164 60 5 choice choice NOUN issue-164 60 6 of of ADP issue-164 60 7 funding funding NOUN issue-164 60 8 for for ADP issue-164 60 9 investment investment NOUN issue-164 60 10 . . PUNCT issue-164 61 1 a a DET issue-164 61 2 policyholder policyholder NOUN issue-164 61 3 assumes assume VERB issue-164 61 4 full full ADJ issue-164 61 5 or or CCONJ issue-164 61 6 most most ADJ issue-164 61 7 part part NOUN issue-164 61 8 of of ADP issue-164 61 9 the the DET issue-164 61 10 risk risk NOUN issue-164 61 11 in in ADP issue-164 61 12 return return NOUN issue-164 61 13 for for ADP issue-164 61 14 an an DET issue-164 61 15 increase increase NOUN issue-164 61 16 in in ADP issue-164 61 17 investment investment NOUN issue-164 61 18 yield yield NOUN issue-164 61 19 potential potential NOUN issue-164 61 20 . . PUNCT issue-164 62 1 payments payment NOUN issue-164 62 2 a a DET issue-164 62 3 current current ADJ issue-164 62 4 amount amount NOUN issue-164 62 5 of of ADP issue-164 62 6 the the DET issue-164 62 7 policy policy NOUN issue-164 62 8 is be AUX issue-164 62 9 usually usually ADV issue-164 62 10 not not PART issue-164 62 11 known know VERB issue-164 62 12 to to ADP issue-164 62 13 the the DET issue-164 62 14 policyholder policyholder NOUN issue-164 62 15 . . PUNCT issue-164 63 1 the the DET issue-164 63 2 price price NOUN issue-164 63 3 of of ADP issue-164 63 4 an an DET issue-164 63 5 investment investment NOUN issue-164 63 6 fund fund NOUN issue-164 63 7 unit unit NOUN issue-164 63 8 and and CCONJ issue-164 63 9 the the DET issue-164 63 10 current current ADJ issue-164 63 11 value value NOUN issue-164 63 12 of of ADP issue-164 63 13 the the DET issue-164 63 14 policy policy NOUN issue-164 63 15 are be AUX issue-164 63 16 known know VERB issue-164 63 17 to to ADP issue-164 63 18 the the DET issue-164 63 19 client client NOUN issue-164 63 20 . . PUNCT issue-164 64 1 guarantees guarantee VERB issue-164 64 2 availability availability NOUN issue-164 64 3 of of ADP issue-164 64 4 guarantees guarantee NOUN issue-164 64 5 on on ADP issue-164 64 6 payments payment NOUN issue-164 64 7 . . PUNCT issue-164 65 1 availability availability NOUN issue-164 65 2 / / SYM issue-164 65 3 unavailability unavailability NOUN issue-164 65 4 of of ADP issue-164 65 5 some some DET issue-164 65 6 guarantees guarantee NOUN issue-164 65 7 of of ADP issue-164 65 8 payments payment NOUN issue-164 65 9 depending depend VERB issue-164 65 10 on on ADP issue-164 65 11 customer customer NOUN issue-164 65 12 preferences preference NOUN issue-164 65 13 . . PUNCT issue-164 66 1 transparency transparency NOUN issue-164 66 2 ' ' PUNCT issue-164 66 3 black black PROPN issue-164 66 4 box box NOUN issue-164 66 5 ' ' PUNCT issue-164 66 6 for for ADP issue-164 66 7 a a DET issue-164 66 8 client client NOUN issue-164 66 9 . . PUNCT issue-164 67 1 elements element NOUN issue-164 67 2 of of ADP issue-164 67 3 the the DET issue-164 67 4 insurance insurance NOUN issue-164 67 5 premium premium NOUN issue-164 67 6 ( ( PUNCT issue-164 67 7 investments investment NOUN issue-164 67 8 , , PUNCT issue-164 67 9 risk risk NOUN issue-164 67 10 premiums premium NOUN issue-164 67 11 and and CCONJ issue-164 67 12 costs cost NOUN issue-164 67 13 ) ) PUNCT issue-164 67 14 are be AUX issue-164 67 15 usually usually ADV issue-164 67 16 indistinguishable indistinguishable ADJ issue-164 67 17 . . PUNCT issue-164 68 1 investments investment NOUN issue-164 68 2 are be AUX issue-164 68 3 directed direct VERB issue-164 68 4 to to ADP issue-164 68 5 the the DET issue-164 68 6 general general ADJ issue-164 68 7 fund fund NOUN issue-164 68 8 of of ADP issue-164 68 9 an an DET issue-164 68 10 insurance insurance NOUN issue-164 68 11 company company NOUN issue-164 68 12 . . PUNCT issue-164 69 1 elements element NOUN issue-164 69 2 of of ADP issue-164 69 3 the the DET issue-164 69 4 insurance insurance NOUN issue-164 69 5 premium premium NOUN issue-164 69 6 are be AUX issue-164 69 7 usually usually ADV issue-164 69 8 clearly clearly ADV issue-164 69 9 presented present VERB issue-164 69 10 to to ADP issue-164 69 11 the the DET issue-164 69 12 insurer insurer NOUN issue-164 69 13 . . PUNCT issue-164 70 1 investments investment NOUN issue-164 70 2 are be AUX issue-164 70 3 strictly strictly ADV issue-164 70 4 personal personal ADJ issue-164 70 5 , , PUNCT issue-164 70 6 customers customer NOUN issue-164 70 7 are be AUX issue-164 70 8 able able ADJ issue-164 70 9 to to PART issue-164 70 10 track track VERB issue-164 70 11 the the DET issue-164 70 12 details detail NOUN issue-164 70 13 of of ADP issue-164 70 14 their their PRON issue-164 70 15 return return NOUN issue-164 70 16 . . PUNCT issue-164 71 1 flexibility flexibility NOUN issue-164 71 2 extremely extremely ADV issue-164 71 3 limited limited ADJ issue-164 71 4 flexibility flexibility NOUN issue-164 71 5 of of ADP issue-164 71 6 the the DET issue-164 71 7 product product NOUN issue-164 71 8 in in ADP issue-164 71 9 relation relation NOUN issue-164 71 10 to to ADP issue-164 71 11 the the DET issue-164 71 12 product product NOUN issue-164 71 13 parameters parameter NOUN issue-164 71 14 . . PUNCT issue-164 72 1 lack lack NOUN issue-164 72 2 of of ADP issue-164 72 3 flexibility flexibility NOUN issue-164 72 4 concerning concern VERB issue-164 72 5 the the DET issue-164 72 6 investment investment NOUN issue-164 72 7 component component NOUN issue-164 72 8 of of ADP issue-164 72 9 the the DET issue-164 72 10 product product NOUN issue-164 72 11 . . PUNCT issue-164 73 1 ability ability NOUN issue-164 73 2 to to PART issue-164 73 3 select select VERB issue-164 73 4 the the DET issue-164 73 5 maximum maximum ADJ issue-164 73 6 number number NOUN issue-164 73 7 of of ADP issue-164 73 8 product product NOUN issue-164 73 9 parameters parameter NOUN issue-164 73 10 . . PUNCT issue-164 74 1 choice choice NOUN issue-164 74 2 of of ADP issue-164 74 3 investments investment NOUN issue-164 74 4 in in ADP issue-164 74 5 accordance accordance NOUN issue-164 74 6 with with ADP issue-164 74 7 a a DET issue-164 74 8 risk risk NOUN issue-164 74 9 profile profile NOUN issue-164 74 10 , , PUNCT issue-164 74 11 and and CCONJ issue-164 74 12 asset asset NOUN issue-164 74 13 growth growth NOUN issue-164 74 14 expectations expectation NOUN issue-164 74 15 : : PUNCT issue-164 74 16 the the DET issue-164 74 17 choice choice NOUN issue-164 74 18 from from ADP issue-164 74 19 a a DET issue-164 74 20 number number NOUN issue-164 74 21 of of ADP issue-164 74 22 the the DET issue-164 74 23 proposed propose VERB issue-164 74 24 funds fund NOUN issue-164 74 25 . . PUNCT issue-164 75 1 the the DET issue-164 75 2 possibility possibility NOUN issue-164 75 3 of of ADP issue-164 75 4 subsequent subsequent ADJ issue-164 75 5 changes change NOUN issue-164 75 6 in in ADP issue-164 75 7 investment investment NOUN issue-164 75 8 . . PUNCT issue-164 76 1 source source NOUN issue-164 76 2 : : PUNCT issue-164 76 3 compiled compile VERB issue-164 76 4 by by ADP issue-164 76 5 the the DET issue-164 76 6 author author NOUN issue-164 76 7 baltic baltic PROPN issue-164 76 8 journal journal PROPN issue-164 76 9 of of ADP issue-164 76 10 economic economic ADJ issue-164 76 11 studies study NOUN issue-164 76 12 90 90 NUM issue-164 76 13 vol vol NOUN issue-164 76 14 . . PUNCT issue-164 77 1 3 3 NUM issue-164 77 2 , , PUNCT issue-164 77 3 no no INTJ issue-164 77 4 . . NOUN issue-164 77 5 1 1 NUM issue-164 77 6 , , PUNCT issue-164 77 7 2017 2017 NUM issue-164 77 8 life life NOUN issue-164 77 9 insurance insurance NOUN issue-164 77 10 with with ADP issue-164 77 11 sharing sharing NOUN issue-164 77 12 in in ADP issue-164 77 13 the the DET issue-164 77 14 company company NOUN issue-164 77 15 's 's PART issue-164 77 16 profits profit NOUN issue-164 77 17 ( ( PUNCT issue-164 77 18 with with ADP issue-164 77 19 - - PUNCT issue-164 77 20 profits profit NOUN issue-164 77 21 policies policy NOUN issue-164 77 22 ) ) PUNCT issue-164 77 23 when when SCONJ issue-164 77 24 after after ADP issue-164 77 25 the the DET issue-164 77 26 annual annual ADJ issue-164 77 27 assessment assessment NOUN issue-164 77 28 of of ADP issue-164 77 29 insurance insurance NOUN issue-164 77 30 assets asset NOUN issue-164 77 31 and and CCONJ issue-164 77 32 liabilities liability NOUN issue-164 77 33 , , PUNCT issue-164 77 34 the the DET issue-164 77 35 company company NOUN issue-164 77 36 allocates allocate VERB issue-164 77 37 a a DET issue-164 77 38 share share NOUN issue-164 77 39 of of ADP issue-164 77 40 its its PRON issue-164 77 41 profit profit NOUN issue-164 77 42 as as ADP issue-164 77 43 a a DET issue-164 77 44 bonus bonus NOUN issue-164 77 45 in in ADP issue-164 77 46 favour favour NOUN issue-164 77 47 of of ADP issue-164 77 48 a a DET issue-164 77 49 policyholder policyholder NOUN issue-164 77 50 . . PUNCT issue-164 78 1 this this DET issue-164 78 2 bonus bonus NOUN issue-164 78 3 is be AUX issue-164 78 4 payable payable ADJ issue-164 78 5 only only ADV issue-164 78 6 at at ADP issue-164 78 7 the the DET issue-164 78 8 end end NOUN issue-164 78 9 of of ADP issue-164 78 10 the the DET issue-164 78 11 contract contract NOUN issue-164 78 12 ; ; PUNCT issue-164 78 13 investment investment NOUN issue-164 78 14 life life NOUN issue-164 78 15 insurance insurance NOUN issue-164 78 16 ( ( PUNCT issue-164 78 17 unit unit NOUN issue-164 78 18 - - PUNCT issue-164 78 19 linked link VERB issue-164 78 20 ) ) PUNCT issue-164 78 21 is be AUX issue-164 78 22 an an DET issue-164 78 23 investment investment NOUN issue-164 78 24 method method NOUN issue-164 78 25 registered register VERB issue-164 78 26 with with ADP issue-164 78 27 the the DET issue-164 78 28 use use NOUN issue-164 78 29 of of ADP issue-164 78 30 a a DET issue-164 78 31 life life NOUN issue-164 78 32 insurance insurance NOUN issue-164 78 33 contract contract NOUN issue-164 78 34 taking take VERB issue-164 78 35 into into ADP issue-164 78 36 account account NOUN issue-164 78 37 investment investment NOUN issue-164 78 38 risks risk NOUN issue-164 78 39 . . PUNCT issue-164 79 1 this this DET issue-164 79 2 new new ADJ issue-164 79 3 investment investment NOUN issue-164 79 4 instrument instrument NOUN issue-164 79 5 with with ADP issue-164 79 6 the the DET issue-164 79 7 guaranteed guarantee VERB issue-164 79 8 safety safety NOUN issue-164 79 9 of of ADP issue-164 79 10 invested invest VERB issue-164 79 11 funds fund NOUN issue-164 79 12 ( ( PUNCT issue-164 79 13 stability stability NOUN issue-164 79 14 ) ) PUNCT issue-164 79 15 and and CCONJ issue-164 79 16 the the DET issue-164 79 17 expected expect VERB issue-164 79 18 high high ADJ issue-164 79 19 investment investment NOUN issue-164 79 20 income income NOUN issue-164 79 21 . . PUNCT issue-164 80 1 let let VERB issue-164 80 2 us we PRON issue-164 80 3 consider consider VERB issue-164 80 4 the the DET issue-164 80 5 main main ADJ issue-164 80 6 differences difference NOUN issue-164 80 7 between between ADP issue-164 80 8 unitlinked unitlinked ADJ issue-164 80 9 products product NOUN issue-164 80 10 and and CCONJ issue-164 80 11 traditional traditional ADJ issue-164 80 12 life life NOUN issue-164 80 13 insurance insurance NOUN issue-164 80 14 policies policy NOUN issue-164 80 15 ( ( PUNCT issue-164 80 16 table table NOUN issue-164 80 17 1 1 NUM issue-164 80 18 ) ) PUNCT issue-164 80 19 . . PUNCT issue-164 81 1 also also ADV issue-164 81 2 , , PUNCT issue-164 81 3 we we PRON issue-164 81 4 carry carry VERB issue-164 81 5 out out ADP issue-164 81 6 a a DET issue-164 81 7 comparative comparative ADJ issue-164 81 8 analysis analysis NOUN issue-164 81 9 of of ADP issue-164 81 10 this this DET issue-164 81 11 innovative innovative ADJ issue-164 81 12 product product NOUN issue-164 81 13 with with ADP issue-164 81 14 life life NOUN issue-164 81 15 insurance insurance NOUN issue-164 81 16 with with ADP issue-164 81 17 a a DET issue-164 81 18 share share NOUN issue-164 81 19 of of ADP issue-164 81 20 company company NOUN issue-164 81 21 profits profit NOUN issue-164 81 22 ( ( PUNCT issue-164 81 23 table table NOUN issue-164 81 24 2 2 NUM issue-164 81 25 ) ) PUNCT issue-164 81 26 . . PUNCT issue-164 82 1 summing sum VERB issue-164 82 2 up up ADP issue-164 82 3 , , PUNCT issue-164 82 4 we we PRON issue-164 82 5 can can AUX issue-164 82 6 say say VERB issue-164 82 7 that that SCONJ issue-164 82 8 from from ADP issue-164 82 9 the the DET issue-164 82 10 point point NOUN issue-164 82 11 of of ADP issue-164 82 12 view view NOUN issue-164 82 13 of of ADP issue-164 82 14 an an DET issue-164 82 15 insurance insurance NOUN issue-164 82 16 company company NOUN issue-164 82 17 , , PUNCT issue-164 82 18 unit unit NOUN issue-164 82 19 - - PUNCT issue-164 82 20 linked link VERB issue-164 82 21 products product NOUN issue-164 82 22 are be AUX issue-164 82 23 attractive attractive ADJ issue-164 82 24 for for ADP issue-164 82 25 several several ADJ issue-164 82 26 reasons reason NOUN issue-164 82 27 : : PUNCT issue-164 82 28 1 1 X issue-164 82 29 ) ) PUNCT issue-164 82 30 a a DET issue-164 82 31 higher high ADJ issue-164 82 32 return return NOUN issue-164 82 33 on on ADP issue-164 82 34 investment investment NOUN issue-164 82 35 compared compare VERB issue-164 82 36 to to ADP issue-164 82 37 investment investment NOUN issue-164 82 38 instruments instrument NOUN issue-164 82 39 , , PUNCT issue-164 82 40 which which PRON issue-164 82 41 are be AUX issue-164 82 42 traditional traditional ADJ issue-164 82 43 for for ADP issue-164 82 44 insurance insurance NOUN issue-164 82 45 companies company NOUN issue-164 82 46 ( ( PUNCT issue-164 82 47 deposits deposit NOUN issue-164 82 48 , , PUNCT issue-164 82 49 government government NOUN issue-164 82 50 securities security NOUN issue-164 82 51 , , PUNCT issue-164 82 52 and and CCONJ issue-164 82 53 so so ADV issue-164 82 54 on on ADV issue-164 82 55 ) ) PUNCT issue-164 82 56 ; ; PUNCT issue-164 82 57 2 2 X issue-164 82 58 ) ) PUNCT issue-164 82 59 a a DET issue-164 82 60 possibility possibility NOUN issue-164 82 61 to to PART issue-164 82 62 transfer transfer VERB issue-164 82 63 an an DET issue-164 82 64 investment investment NOUN issue-164 82 65 risk risk NOUN issue-164 82 66 to to ADP issue-164 82 67 a a DET issue-164 82 68 policyholder policyholder NOUN issue-164 82 69 ; ; PUNCT issue-164 82 70 3 3 X issue-164 82 71 ) ) PUNCT issue-164 82 72 more more ADV issue-164 82 73 soft soft ADJ issue-164 82 74 - - PUNCT issue-164 82 75 shell shell NOUN issue-164 82 76 requirements requirement NOUN issue-164 82 77 for for ADP issue-164 82 78 coverage coverage NOUN issue-164 82 79 of of ADP issue-164 82 80 insurance insurance NOUN issue-164 82 81 reserves reserve NOUN issue-164 82 82 for for ADP issue-164 82 83 the the DET issue-164 82 84 companies company NOUN issue-164 82 85 involved involve VERB issue-164 82 86 in in ADP issue-164 82 87 unitlinked unitlinked ADJ issue-164 82 88 activity activity NOUN issue-164 82 89 compared compare VERB issue-164 82 90 to to ADP issue-164 82 91 traditional traditional ADJ issue-164 82 92 insurers insurer NOUN issue-164 82 93 of of ADP issue-164 82 94 life life NOUN issue-164 82 95 . . PUNCT issue-164 83 1 in in ADP issue-164 83 2 recent recent ADJ issue-164 83 3 decades decade NOUN issue-164 83 4 , , PUNCT issue-164 83 5 this this DET issue-164 83 6 practice practice NOUN issue-164 83 7 is be AUX issue-164 83 8 observed observe VERB issue-164 83 9 in in ADP issue-164 83 10 many many ADJ issue-164 83 11 european european ADJ issue-164 83 12 countries country NOUN issue-164 83 13 ( ( PUNCT issue-164 83 14 kazakova kazakova PROPN issue-164 83 15 , , PUNCT issue-164 83 16 2012 2012 NUM issue-164 83 17 ) ) PUNCT issue-164 83 18 . . PUNCT issue-164 84 1 there there PRON issue-164 84 2 are be VERB issue-164 84 3 different different ADJ issue-164 84 4 options option NOUN issue-164 84 5 for for ADP issue-164 84 6 unit unit NOUN issue-164 84 7 - - PUNCT issue-164 84 8 linked link VERB issue-164 84 9 products product NOUN issue-164 84 10 of of ADP issue-164 84 11 the the DET issue-164 84 12 western western ADJ issue-164 84 13 market market NOUN issue-164 84 14 ; ; PUNCT issue-164 84 15 their their PRON issue-164 84 16 diversity diversity NOUN issue-164 84 17 is be AUX issue-164 84 18 composed compose VERB issue-164 84 19 of of ADP issue-164 84 20 various various ADJ issue-164 84 21 combinations combination NOUN issue-164 84 22 of of ADP issue-164 84 23 the the DET issue-164 84 24 parameters parameter NOUN issue-164 84 25 presented present VERB issue-164 84 26 . . PUNCT issue-164 85 1 in in ADP issue-164 85 2 each each DET issue-164 85 3 country country NOUN issue-164 85 4 , , PUNCT issue-164 85 5 there there PRON issue-164 85 6 is be VERB issue-164 85 7 a a DET issue-164 85 8 certain certain ADJ issue-164 85 9 set set NOUN issue-164 85 10 of of ADP issue-164 85 11 products product NOUN issue-164 85 12 popular popular ADJ issue-164 85 13 both both CCONJ issue-164 85 14 for for ADP issue-164 85 15 insurers insurer NOUN issue-164 85 16 and and CCONJ issue-164 85 17 policyholders policyholder NOUN issue-164 85 18 . . PUNCT issue-164 86 1 for for ADP issue-164 86 2 example example NOUN issue-164 86 3 , , PUNCT issue-164 86 4 in in ADP issue-164 86 5 the the DET issue-164 86 6 uk uk PROPN issue-164 86 7 , , PUNCT issue-164 86 8 france france PROPN issue-164 86 9 and and CCONJ issue-164 86 10 spain spain PROPN issue-164 86 11 , , PUNCT issue-164 86 12 unit unit NOUN issue-164 86 13 - - PUNCT issue-164 86 14 linked link VERB issue-164 86 15 market market NOUN issue-164 86 16 mainly mainly ADV issue-164 86 17 consists consist VERB issue-164 86 18 of of ADP issue-164 86 19 programs program NOUN issue-164 86 20 , , PUNCT issue-164 86 21 for for ADP issue-164 86 22 which which PRON issue-164 86 23 an an DET issue-164 86 24 insurance insurance NOUN issue-164 86 25 premium premium NOUN issue-164 86 26 is be AUX issue-164 86 27 paid pay VERB issue-164 86 28 as as ADP issue-164 86 29 a a DET issue-164 86 30 lump lump NOUN issue-164 86 31 sum sum NOUN issue-164 86 32 ( ( PUNCT issue-164 86 33 mrochkovskyy mrochkovskyy NOUN issue-164 86 34 , , PUNCT issue-164 86 35 2008 2008 NUM issue-164 86 36 ) ) PUNCT issue-164 86 37 . . PUNCT issue-164 87 1 4 4 X issue-164 87 2 . . X issue-164 87 3 dependence dependence NOUN issue-164 87 4 of of ADP issue-164 87 5 the the DET issue-164 87 6 demand demand NOUN issue-164 87 7 for for ADP issue-164 87 8 unit unit NOUN issue-164 87 9 - - PUNCT issue-164 87 10 linked link VERB issue-164 87 11 products product NOUN issue-164 87 12 on on ADP issue-164 87 13 a a DET issue-164 87 14 situation situation NOUN issue-164 87 15 in in ADP issue-164 87 16 the the DET issue-164 87 17 stock stock NOUN issue-164 87 18 market market NOUN issue-164 87 19 . . PUNCT issue-164 88 1 the the DET issue-164 88 2 sales sale NOUN issue-164 88 3 volume volume NOUN issue-164 88 4 of of ADP issue-164 88 5 unit unit NOUN issue-164 88 6 - - PUNCT issue-164 88 7 linked link VERB issue-164 88 8 policies policy NOUN issue-164 88 9 significantly significantly ADV issue-164 88 10 depends depend VERB issue-164 88 11 on on ADP issue-164 88 12 a a DET issue-164 88 13 situation situation NOUN issue-164 88 14 in in ADP issue-164 88 15 the the DET issue-164 88 16 stock stock NOUN issue-164 88 17 market market NOUN issue-164 88 18 . . PUNCT issue-164 89 1 the the DET issue-164 89 2 fall fall NOUN issue-164 89 3 of of ADP issue-164 89 4 the the DET issue-164 89 5 stock stock NOUN issue-164 89 6 market market NOUN issue-164 89 7 not not PART issue-164 89 8 only only ADV issue-164 89 9 leads lead VERB issue-164 89 10 to to ADP issue-164 89 11 a a DET issue-164 89 12 decrease decrease NOUN issue-164 89 13 in in ADP issue-164 89 14 investment investment NOUN issue-164 89 15 income income NOUN issue-164 89 16 but but CCONJ issue-164 89 17 also also ADV issue-164 89 18 entails entail VERB issue-164 89 19 the the DET issue-164 89 20 need need NOUN issue-164 89 21 to to PART issue-164 89 22 reduce reduce VERB issue-164 89 23 the the DET issue-164 89 24 insurer insurer NOUN issue-164 89 25 's 's PART issue-164 89 26 cost cost NOUN issue-164 89 27 of of ADP issue-164 89 28 doing do VERB issue-164 89 29 business business NOUN issue-164 89 30 . . PUNCT issue-164 90 1 in in ADP issue-164 90 2 the the DET issue-164 90 3 long long ADJ issue-164 90 4 run run NOUN issue-164 90 5 , , PUNCT issue-164 90 6 the the DET issue-164 90 7 unfavourable unfavourable ADJ issue-164 90 8 current current ADJ issue-164 90 9 situation situation NOUN issue-164 90 10 in in ADP issue-164 90 11 the the DET issue-164 90 12 stock stock NOUN issue-164 90 13 market market NOUN issue-164 90 14 leads lead VERB issue-164 90 15 to to ADP issue-164 90 16 a a DET issue-164 90 17 decrease decrease NOUN issue-164 90 18 in in ADP issue-164 90 19 profits profit NOUN issue-164 90 20 of of ADP issue-164 90 21 insurance insurance NOUN issue-164 90 22 companies company NOUN issue-164 90 23 what what PRON issue-164 90 24 is be AUX issue-164 90 25 amplified amplify VERB issue-164 90 26 by by ADP issue-164 90 27 the the DET issue-164 90 28 lack lack NOUN issue-164 90 29 of of ADP issue-164 90 30 ability ability NOUN issue-164 90 31 to to PART issue-164 90 32 quickly quickly ADV issue-164 90 33 make make VERB issue-164 90 34 significant significant ADJ issue-164 90 35 changes change NOUN issue-164 90 36 in in ADP issue-164 90 37 a a DET issue-164 90 38 structure structure NOUN issue-164 90 39 of of ADP issue-164 90 40 placement placement NOUN issue-164 90 41 of of ADP issue-164 90 42 insurance insurance NOUN issue-164 90 43 reserves reserve NOUN issue-164 90 44 and and CCONJ issue-164 90 45 assets asset NOUN issue-164 90 46 in in ADP issue-164 90 47 connection connection NOUN issue-164 90 48 with with ADP issue-164 90 49 the the DET issue-164 90 50 long long ADJ issue-164 90 51 - - PUNCT issue-164 90 52 term term NOUN issue-164 90 53 obligations obligation NOUN issue-164 90 54 under under ADP issue-164 90 55 the the DET issue-164 90 56 contracts contract NOUN issue-164 90 57 . . PUNCT issue-164 91 1 due due ADP issue-164 91 2 to to ADP issue-164 91 3 the the DET issue-164 91 4 fact fact NOUN issue-164 91 5 that that SCONJ issue-164 91 6 the the DET issue-164 91 7 investment investment NOUN issue-164 91 8 life life NOUN issue-164 91 9 insurance insurance NOUN issue-164 91 10 , , PUNCT issue-164 91 11 as as ADV issue-164 91 12 well well ADV issue-164 91 13 as as ADP issue-164 91 14 accumulative accumulative ADJ issue-164 91 15 insurance insurance NOUN issue-164 91 16 , , PUNCT issue-164 91 17 is be AUX issue-164 91 18 a a DET issue-164 91 19 long long ADJ issue-164 91 20 - - PUNCT issue-164 91 21 term term NOUN issue-164 91 22 project project NOUN issue-164 91 23 , , PUNCT issue-164 91 24 it it PRON issue-164 91 25 is be AUX issue-164 91 26 difficult difficult ADJ issue-164 91 27 enough enough ADV issue-164 91 28 to to PART issue-164 91 29 predict predict VERB issue-164 91 30 the the DET issue-164 91 31 situation situation NOUN issue-164 91 32 in in ADP issue-164 91 33 the the DET issue-164 91 34 stock stock NOUN issue-164 91 35 market market NOUN issue-164 91 36 for for ADP issue-164 91 37 a a DET issue-164 91 38 few few ADJ issue-164 91 39 decades decade NOUN issue-164 91 40 . . PUNCT issue-164 92 1 from from ADP issue-164 92 2 there there ADV issue-164 92 3 , , PUNCT issue-164 92 4 a a DET issue-164 92 5 part part NOUN issue-164 92 6 of of ADP issue-164 92 7 the the DET issue-164 92 8 insurers insurer NOUN issue-164 92 9 come come VERB issue-164 92 10 through through ADP issue-164 92 11 the the DET issue-164 92 12 situation situation NOUN issue-164 92 13 as as SCONJ issue-164 92 14 follows follow VERB issue-164 92 15 : : PUNCT issue-164 92 16 only only ADV issue-164 92 17 a a DET issue-164 92 18 portion portion NOUN issue-164 92 19 of of ADP issue-164 92 20 the the DET issue-164 92 21 insurance insurance NOUN issue-164 92 22 premium premium NOUN issue-164 92 23 is be AUX issue-164 92 24 invested invest VERB issue-164 92 25 in in ADP issue-164 92 26 investment investment NOUN issue-164 92 27 instruments instrument NOUN issue-164 92 28 selected select VERB issue-164 92 29 by by ADP issue-164 92 30 the the DET issue-164 92 31 policyholder policyholder NOUN issue-164 92 32 , , PUNCT issue-164 92 33 the the DET issue-164 92 34 remaining remain VERB issue-164 92 35 part part NOUN issue-164 92 36 is be AUX issue-164 92 37 invested invest VERB issue-164 92 38 in in ADP issue-164 92 39 other other ADJ issue-164 92 40 instruments instrument NOUN issue-164 92 41 at at ADP issue-164 92 42 the the DET issue-164 92 43 discretion discretion NOUN issue-164 92 44 of of ADP issue-164 92 45 the the DET issue-164 92 46 investment investment NOUN issue-164 92 47 department department PROPN issue-164 92 48 of of ADP issue-164 92 49 insurance insurance NOUN issue-164 92 50 company company NOUN issue-164 92 51 experts expert NOUN issue-164 92 52 ( ( PUNCT issue-164 92 53 kazakova kazakova PROPN issue-164 92 54 , , PUNCT issue-164 92 55 2012 2012 NUM issue-164 92 56 ) ) PUNCT issue-164 92 57 . . PUNCT issue-164 93 1 thus thus ADV issue-164 93 2 , , PUNCT issue-164 93 3 a a DET issue-164 93 4 risk risk NOUN issue-164 93 5 diversification diversification NOUN issue-164 93 6 is be AUX issue-164 93 7 ensured ensure VERB issue-164 93 8 . . PUNCT issue-164 94 1 in in ADP issue-164 94 2 addition addition NOUN issue-164 94 3 , , PUNCT issue-164 94 4 the the DET issue-164 94 5 american american ADJ issue-164 94 6 version version NOUN issue-164 94 7 of of ADP issue-164 94 8 unit unit NOUN issue-164 94 9 - - PUNCT issue-164 94 10 linked link VERB issue-164 94 11 insurance insurance NOUN issue-164 94 12 policy policy NOUN issue-164 94 13 assumes assume VERB issue-164 94 14 that that SCONJ issue-164 94 15 a a DET issue-164 94 16 policyholder policyholder NOUN issue-164 94 17 may may AUX issue-164 94 18 decide decide VERB issue-164 94 19 to to PART issue-164 94 20 change change VERB issue-164 94 21 the the DET issue-164 94 22 set set NOUN issue-164 94 23 of of ADP issue-164 94 24 investment investment NOUN issue-164 94 25 instruments instrument NOUN issue-164 94 26 and and CCONJ issue-164 94 27 some some DET issue-164 94 28 other other ADJ issue-164 94 29 parameters parameter NOUN issue-164 94 30 of of ADP issue-164 94 31 the the DET issue-164 94 32 insurance insurance NOUN issue-164 94 33 contract contract NOUN issue-164 94 34 during during ADP issue-164 94 35 the the DET issue-164 94 36 term term NOUN issue-164 94 37 of of ADP issue-164 94 38 the the DET issue-164 94 39 contract contract NOUN issue-164 94 40 ( ( PUNCT issue-164 94 41 see see VERB issue-164 94 42 table table NOUN issue-164 94 43 3 3 NUM issue-164 94 44 ) ) PUNCT issue-164 94 45 . . PUNCT issue-164 95 1 for for ADP issue-164 95 2 a a DET issue-164 95 3 company company NOUN issue-164 95 4 , , PUNCT issue-164 95 5 a a DET issue-164 95 6 significant significant ADJ issue-164 95 7 share share NOUN issue-164 95 8 of of ADP issue-164 95 9 which which PRON issue-164 95 10 business business NOUN issue-164 95 11 comprises comprise VERB issue-164 95 12 deals deal NOUN issue-164 95 13 with with ADP issue-164 95 14 unit unit NOUN issue-164 95 15 - - PUNCT issue-164 95 16 linked link VERB issue-164 95 17 products product NOUN issue-164 95 18 , , PUNCT issue-164 95 19 the the DET issue-164 95 20 operational operational ADJ issue-164 95 21 risk risk NOUN issue-164 95 22 lies lie VERB issue-164 95 23 in in ADP issue-164 95 24 a a DET issue-164 95 25 potentially potentially ADV issue-164 95 26 higher high ADJ issue-164 95 27 probability probability NOUN issue-164 95 28 of of ADP issue-164 95 29 the the DET issue-164 95 30 insurance insurance NOUN issue-164 95 31 contract contract NOUN issue-164 95 32 termination termination NOUN issue-164 95 33 before before SCONJ issue-164 95 34 it it PRON issue-164 95 35 expires expire VERB issue-164 95 36 , , PUNCT issue-164 95 37 compared compare VERB issue-164 95 38 with with ADP issue-164 95 39 products product NOUN issue-164 95 40 with with ADP issue-164 95 41 sharing share VERB issue-164 95 42 in in ADP issue-164 95 43 the the DET issue-164 95 44 company company NOUN issue-164 95 45 's 's PART issue-164 95 46 profits profit NOUN issue-164 95 47 . . PUNCT issue-164 96 1 policyholders policyholder NOUN issue-164 96 2 often often ADV issue-164 96 3 consider consider VERB issue-164 96 4 unit unit NOUN issue-164 96 5 - - PUNCT issue-164 96 6 linked link VERB issue-164 96 7 products product NOUN issue-164 96 8 more more ADJ issue-164 96 9 as as ADP issue-164 96 10 a a DET issue-164 96 11 savings saving NOUN issue-164 96 12 tool tool NOUN issue-164 96 13 . . PUNCT issue-164 97 1 therefore therefore ADV issue-164 97 2 , , PUNCT issue-164 97 3 they they PRON issue-164 97 4 want want VERB issue-164 97 5 to to PART issue-164 97 6 make make VERB issue-164 97 7 a a DET issue-164 97 8 profit profit NOUN issue-164 97 9 in in ADP issue-164 97 10 a a DET issue-164 97 11 favourable favourable ADJ issue-164 97 12 situation situation NOUN issue-164 97 13 in in ADP issue-164 97 14 the the DET issue-164 97 15 stock stock NOUN issue-164 97 16 market market NOUN issue-164 97 17 , , PUNCT issue-164 97 18 as as ADV issue-164 97 19 well well ADV issue-164 97 20 as as ADP issue-164 97 21 to to PART issue-164 97 22 minimize minimize VERB issue-164 97 23 table table NOUN issue-164 97 24 2 2 NUM issue-164 97 25 comparative comparative ADJ issue-164 97 26 analysis analysis NOUN issue-164 97 27 of of ADP issue-164 97 28 a a DET issue-164 97 29 unit unit NOUN issue-164 97 30 - - PUNCT issue-164 97 31 linked link VERB issue-164 97 32 product product NOUN issue-164 97 33 and and CCONJ issue-164 97 34 a a DET issue-164 97 35 policy policy NOUN issue-164 97 36 with with ADP issue-164 97 37 sharing sharing NOUN issue-164 97 38 in in ADP issue-164 97 39 company company NOUN issue-164 97 40 's 's PART issue-164 97 41 profits profit NOUN issue-164 97 42 comparison comparison NOUN issue-164 97 43 criterion criterion NOUN issue-164 97 44 a a DET issue-164 97 45 policy policy NOUN issue-164 97 46 with with ADP issue-164 97 47 sharing sharing NOUN issue-164 97 48 in in ADP issue-164 97 49 company company NOUN issue-164 97 50 's 's PART issue-164 97 51 profits profit NOUN issue-164 97 52 police police NOUN issue-164 97 53 unit unit NOUN issue-164 97 54 - - PUNCT issue-164 97 55 linked link VERB issue-164 97 56 investment investment NOUN issue-164 97 57 risk risk NOUN issue-164 97 58 investment investment NOUN issue-164 97 59 risk risk NOUN issue-164 97 60 is be AUX issue-164 97 61 incurred incur VERB issue-164 97 62 by by ADP issue-164 97 63 an an DET issue-164 97 64 insurer insurer NOUN issue-164 97 65 in in ADP issue-164 97 66 connection connection NOUN issue-164 97 67 with with ADP issue-164 97 68 the the DET issue-164 97 69 need need NOUN issue-164 97 70 to to PART issue-164 97 71 guarantee guarantee VERB issue-164 97 72 security security NOUN issue-164 97 73 for for ADP issue-164 97 74 the the DET issue-164 97 75 insurance insurance NOUN issue-164 97 76 policy policy NOUN issue-164 97 77 . . PUNCT issue-164 98 1 however however ADV issue-164 98 2 , , PUNCT issue-164 98 3 a a DET issue-164 98 4 small small ADJ issue-164 98 5 portion portion NOUN issue-164 98 6 of of ADP issue-164 98 7 investment investment NOUN issue-164 98 8 risk risk NOUN issue-164 98 9 is be AUX issue-164 98 10 incurred incur VERB issue-164 98 11 by by ADP issue-164 98 12 a a DET issue-164 98 13 policyholder policyholder NOUN issue-164 98 14 through through ADP issue-164 98 15 variations variation NOUN issue-164 98 16 in in ADP issue-164 98 17 the the DET issue-164 98 18 size size NOUN issue-164 98 19 of of ADP issue-164 98 20 the the DET issue-164 98 21 insurance insurance NOUN issue-164 98 22 premium premium NOUN issue-164 98 23 . . PUNCT issue-164 99 1 mainly mainly ADV issue-164 99 2 the the DET issue-164 99 3 investment investment NOUN issue-164 99 4 risk risk NOUN issue-164 99 5 is be AUX issue-164 99 6 incurred incur VERB issue-164 99 7 by by ADP issue-164 99 8 the the DET issue-164 99 9 policyholder policyholder NOUN issue-164 99 10 . . PUNCT issue-164 100 1 choosing choose VERB issue-164 100 2 an an DET issue-164 100 3 investment investment NOUN issue-164 100 4 vehicle vehicle NOUN issue-164 100 5 insurer insurer NOUN issue-164 100 6 policyholder policyholder NOUN issue-164 100 7 the the DET issue-164 100 8 size size NOUN issue-164 100 9 of of ADP issue-164 100 10 payment payment NOUN issue-164 100 11 in in ADP issue-164 100 12 case case NOUN issue-164 100 13 of of ADP issue-164 100 14 death death NOUN issue-164 100 15 guaranteed guarantee VERB issue-164 100 16 payout payout NOUN issue-164 100 17 in in ADP issue-164 100 18 the the DET issue-164 100 19 event event NOUN issue-164 100 20 of of ADP issue-164 100 21 death death NOUN issue-164 100 22 , , PUNCT issue-164 100 23 plus plus CCONJ issue-164 100 24 the the DET issue-164 100 25 accumulated accumulate VERB issue-164 100 26 bonus bonus NOUN issue-164 100 27 ( ( PUNCT issue-164 100 28 depending depend VERB issue-164 100 29 on on ADP issue-164 100 30 the the DET issue-164 100 31 method method NOUN issue-164 100 32 of of ADP issue-164 100 33 profit profit NOUN issue-164 100 34 distribution distribution NOUN issue-164 100 35 ) ) PUNCT issue-164 100 36 . . PUNCT issue-164 101 1 the the DET issue-164 101 2 guaranteed guarantee VERB issue-164 101 3 amount amount NOUN issue-164 101 4 of of ADP issue-164 101 5 payment payment NOUN issue-164 101 6 in in ADP issue-164 101 7 case case NOUN issue-164 101 8 of of ADP issue-164 101 9 death death NOUN issue-164 101 10 , , PUNCT issue-164 101 11 plus plus CCONJ issue-164 101 12 the the DET issue-164 101 13 value value NOUN issue-164 101 14 of of ADP issue-164 101 15 the the DET issue-164 101 16 investment investment NOUN issue-164 101 17 shares share NOUN issue-164 101 18 . . PUNCT issue-164 102 1 accumulative accumulative ADJ issue-164 102 2 part part NOUN issue-164 102 3 the the DET issue-164 102 4 guaranteed guarantee VERB issue-164 102 5 yield yield NOUN issue-164 102 6 plus plus CCONJ issue-164 102 7 a a DET issue-164 102 8 percentage percentage NOUN issue-164 102 9 of of ADP issue-164 102 10 the the DET issue-164 102 11 profits profit NOUN issue-164 102 12 of of ADP issue-164 102 13 the the DET issue-164 102 14 company company NOUN issue-164 102 15 ( ( PUNCT issue-164 102 16 based base VERB issue-164 102 17 on on ADP issue-164 102 18 investment investment NOUN issue-164 102 19 income income NOUN issue-164 102 20 ) ) PUNCT issue-164 102 21 . . PUNCT issue-164 103 1 the the DET issue-164 103 2 cost cost NOUN issue-164 103 3 of of ADP issue-164 103 4 the the DET issue-164 103 5 investment investment NOUN issue-164 103 6 shares share NOUN issue-164 103 7 . . PUNCT issue-164 104 1 the the DET issue-164 104 2 amount amount NOUN issue-164 104 3 of of ADP issue-164 104 4 payment payment NOUN issue-164 104 5 in in ADP issue-164 104 6 a a DET issue-164 104 7 case case NOUN issue-164 104 8 of of ADP issue-164 104 9 early early ADJ issue-164 104 10 termination termination NOUN issue-164 104 11 of of ADP issue-164 104 12 a a DET issue-164 104 13 contract contract NOUN issue-164 104 14 the the DET issue-164 104 15 cost cost NOUN issue-164 104 16 of of ADP issue-164 104 17 purchase purchase NOUN issue-164 104 18 ( ( PUNCT issue-164 104 19 is be AUX issue-164 104 20 specified specify VERB issue-164 104 21 in in ADP issue-164 104 22 the the DET issue-164 104 23 policy policy NOUN issue-164 104 24 and and CCONJ issue-164 104 25 is be AUX issue-164 104 26 calculated calculate VERB issue-164 104 27 using use VERB issue-164 104 28 mathematical mathematical ADJ issue-164 104 29 methods method NOUN issue-164 104 30 ) ) PUNCT issue-164 104 31 plus plus CCONJ issue-164 104 32 the the DET issue-164 104 33 accumulated accumulate VERB issue-164 104 34 bonus bonus NOUN issue-164 104 35 ( ( PUNCT issue-164 104 36 depending depend VERB issue-164 104 37 on on ADP issue-164 104 38 the the DET issue-164 104 39 income income NOUN issue-164 104 40 distribution distribution NOUN issue-164 104 41 system system NOUN issue-164 104 42 ) ) PUNCT issue-164 104 43 . . PUNCT issue-164 105 1 the the DET issue-164 105 2 cost cost NOUN issue-164 105 3 of of ADP issue-164 105 4 investment investment NOUN issue-164 105 5 shares share NOUN issue-164 105 6 on on ADP issue-164 105 7 the the DET issue-164 105 8 date date NOUN issue-164 105 9 of of ADP issue-164 105 10 termination termination NOUN issue-164 105 11 of of ADP issue-164 105 12 the the DET issue-164 105 13 contract contract NOUN issue-164 105 14 . . PUNCT issue-164 106 1 source source NOUN issue-164 106 2 : : PUNCT issue-164 106 3 compiled compile VERB issue-164 106 4 by by ADP issue-164 106 5 the the DET issue-164 106 6 author author NOUN issue-164 106 7 baltic baltic PROPN issue-164 106 8 journal journal PROPN issue-164 106 9 of of ADP issue-164 106 10 economic economic ADJ issue-164 106 11 studies study NOUN issue-164 106 12 91 91 NUM issue-164 106 13 vol vol NOUN issue-164 106 14 . . PUNCT issue-164 107 1 3 3 NUM issue-164 107 2 , , PUNCT issue-164 107 3 no no INTJ issue-164 107 4 . . NOUN issue-164 107 5 1 1 NUM issue-164 107 6 , , PUNCT issue-164 107 7 2017 2017 NUM issue-164 107 8 their their PRON issue-164 107 9 losses loss NOUN issue-164 107 10 when when SCONJ issue-164 107 11 the the DET issue-164 107 12 market market NOUN issue-164 107 13 declines decline VERB issue-164 107 14 . . PUNCT issue-164 108 1 upon upon SCONJ issue-164 108 2 that that PRON issue-164 108 3 , , PUNCT issue-164 108 4 the the DET issue-164 108 5 early early ADJ issue-164 108 6 termination termination NOUN issue-164 108 7 of of ADP issue-164 108 8 the the DET issue-164 108 9 policy policy NOUN issue-164 108 10 with with ADP issue-164 108 11 sharing sharing NOUN issue-164 108 12 in in ADP issue-164 108 13 the the DET issue-164 108 14 company company NOUN issue-164 108 15 's 's PART issue-164 108 16 profit profit NOUN issue-164 108 17 is be AUX issue-164 108 18 unprofitable unprofitable ADJ issue-164 108 19 for for ADP issue-164 108 20 a a DET issue-164 108 21 policyholder policyholder NOUN issue-164 108 22 . . PUNCT issue-164 109 1 5 5 X issue-164 109 2 . . X issue-164 109 3 the the DET issue-164 109 4 main main ADJ issue-164 109 5 problems problem NOUN issue-164 109 6 that that PRON issue-164 109 7 hinder hinder VERB issue-164 109 8 the the DET issue-164 109 9 investment investment NOUN issue-164 109 10 life life NOUN issue-164 109 11 insurance insurance NOUN issue-164 109 12 implementation implementation NOUN issue-164 109 13 in in ADP issue-164 109 14 ukraine ukraine NOUN issue-164 109 15 currently currently ADV issue-164 109 16 , , PUNCT issue-164 109 17 the the DET issue-164 109 18 ukrainian ukrainian ADJ issue-164 109 19 insurance insurance NOUN issue-164 109 20 companies company NOUN issue-164 109 21 do do AUX issue-164 109 22 not not PART issue-164 109 23 offer offer VERB issue-164 109 24 unit unit NOUN issue-164 109 25 - - PUNCT issue-164 109 26 linked link VERB issue-164 109 27 programs program NOUN issue-164 109 28 . . PUNCT issue-164 110 1 this this PRON issue-164 110 2 is be AUX issue-164 110 3 related relate VERB issue-164 110 4 to to ADP issue-164 110 5 the the DET issue-164 110 6 laws law NOUN issue-164 110 7 and and CCONJ issue-164 110 8 regulations regulation NOUN issue-164 110 9 in in ADP issue-164 110 10 the the DET issue-164 110 11 area area NOUN issue-164 110 12 of of ADP issue-164 110 13 insurance insurance NOUN issue-164 110 14 . . PUNCT issue-164 111 1 the the DET issue-164 111 2 fact fact NOUN issue-164 111 3 is be AUX issue-164 111 4 that that SCONJ issue-164 111 5 unit unit NOUN issue-164 111 6 - - PUNCT issue-164 111 7 linked link VERB issue-164 111 8 policies policy NOUN issue-164 111 9 covering cover VERB issue-164 111 10 longevity longevity NOUN issue-164 111 11 risk risk NOUN issue-164 111 12 do do AUX issue-164 111 13 not not PART issue-164 111 14 prescribe prescribe VERB issue-164 111 15 an an DET issue-164 111 16 insured insure VERB issue-164 111 17 amount amount NOUN issue-164 111 18 and and CCONJ issue-164 111 19 do do AUX issue-164 111 20 not not PART issue-164 111 21 ensure ensure VERB issue-164 111 22 guaranteed guaranteed ADJ issue-164 111 23 return return NOUN issue-164 111 24 . . PUNCT issue-164 112 1 also also ADV issue-164 112 2 , , PUNCT issue-164 112 3 according accord VERB issue-164 112 4 to to ADP issue-164 112 5 the the DET issue-164 112 6 law law NOUN issue-164 112 7 , , PUNCT issue-164 112 8 an an DET issue-164 112 9 insurance insurance NOUN issue-164 112 10 company company NOUN issue-164 112 11 can can AUX issue-164 112 12 not not PART issue-164 112 13 pool pool VERB issue-164 112 14 its its PRON issue-164 112 15 risks risk NOUN issue-164 112 16 of of ADP issue-164 112 17 investing invest VERB issue-164 112 18 to to ADP issue-164 112 19 its its PRON issue-164 112 20 clients client NOUN issue-164 112 21 . . PUNCT issue-164 113 1 some some DET issue-164 113 2 insurance insurance NOUN issue-164 113 3 companies company NOUN issue-164 113 4 sell sell VERB issue-164 113 5 insurance insurance NOUN issue-164 113 6 policies policy NOUN issue-164 113 7 with with ADP issue-164 113 8 an an DET issue-164 113 9 investment investment NOUN issue-164 113 10 component component NOUN issue-164 113 11 , , PUNCT issue-164 113 12 but but CCONJ issue-164 113 13 these these DET issue-164 113 14 programs program NOUN issue-164 113 15 are be AUX issue-164 113 16 far far ADV issue-164 113 17 from from ADP issue-164 113 18 what what PRON issue-164 113 19 is be AUX issue-164 113 20 usually usually ADV issue-164 113 21 called call VERB issue-164 113 22 unit unit NOUN issue-164 113 23 - - PUNCT issue-164 113 24 linked link VERB issue-164 113 25 ; ; PUNCT issue-164 113 26 they they PRON issue-164 113 27 are be AUX issue-164 113 28 usually usually ADV issue-164 113 29 invited invite VERB issue-164 113 30 to to PART issue-164 113 31 peg peg VERB issue-164 113 32 the the DET issue-164 113 33 yield yield NOUN issue-164 113 34 to to ADP issue-164 113 35 quotations quotation NOUN issue-164 113 36 of of ADP issue-164 113 37 certain certain ADJ issue-164 113 38 assets asset NOUN issue-164 113 39 . . PUNCT issue-164 114 1 what what PRON issue-164 114 2 is be AUX issue-164 114 3 more more ADJ issue-164 114 4 , , PUNCT issue-164 114 5 the the DET issue-164 114 6 choice choice NOUN issue-164 114 7 is be AUX issue-164 114 8 usually usually ADV issue-164 114 9 limited limit VERB issue-164 114 10 to to ADP issue-164 114 11 two two NUM issue-164 114 12 or or CCONJ issue-164 114 13 three three NUM issue-164 114 14 types type NOUN issue-164 114 15 of of ADP issue-164 114 16 them they PRON issue-164 114 17 . . PUNCT issue-164 115 1 so so ADV issue-164 115 2 , , PUNCT issue-164 115 3 it it PRON issue-164 115 4 is be AUX issue-164 115 5 possible possible ADJ issue-164 115 6 to to PART issue-164 115 7 purchase purchase VERB issue-164 115 8 a a DET issue-164 115 9 fully fully ADV issue-164 115 10 - - PUNCT issue-164 115 11 fledged fledge VERB issue-164 115 12 policy policy NOUN issue-164 115 13 of of ADP issue-164 115 14 investment investment NOUN issue-164 115 15 life life NOUN issue-164 115 16 insurance insurance NOUN issue-164 115 17 only only ADV issue-164 115 18 abroad abroad ADV issue-164 115 19 so so ADV issue-164 115 20 far far ADV issue-164 115 21 . . PUNCT issue-164 116 1 thus thus ADV issue-164 116 2 , , PUNCT issue-164 116 3 it it PRON issue-164 116 4 is be AUX issue-164 116 5 possible possible ADJ issue-164 116 6 to to PART issue-164 116 7 specify specify VERB issue-164 116 8 the the DET issue-164 116 9 following follow VERB issue-164 116 10 main main ADJ issue-164 116 11 issues issue NOUN issue-164 116 12 that that PRON issue-164 116 13 do do AUX issue-164 116 14 not not PART issue-164 116 15 allow allow VERB issue-164 116 16 the the DET issue-164 116 17 implementation implementation NOUN issue-164 116 18 of of ADP issue-164 116 19 the the DET issue-164 116 20 investment investment NOUN issue-164 116 21 life life NOUN issue-164 116 22 insurance insurance NOUN issue-164 116 23 programs program NOUN issue-164 116 24 in in ADP issue-164 116 25 ukraine ukraine NOUN issue-164 116 26 : : PUNCT issue-164 116 27 1 1 X issue-164 116 28 ) ) PUNCT issue-164 116 29 slow slow ADJ issue-164 116 30 pace pace NOUN issue-164 116 31 of of ADP issue-164 116 32 financial financial ADJ issue-164 116 33 market market NOUN issue-164 116 34 development development NOUN issue-164 116 35 ; ; PUNCT issue-164 116 36 2 2 X issue-164 116 37 ) ) PUNCT issue-164 116 38 fairly fairly ADV issue-164 116 39 significant significant ADJ issue-164 116 40 fluctuations fluctuation NOUN issue-164 116 41 in in ADP issue-164 116 42 the the DET issue-164 116 43 securities security NOUN issue-164 116 44 market market NOUN issue-164 116 45 , , PUNCT issue-164 116 46 which which PRON issue-164 116 47 make make VERB issue-164 116 48 it it PRON issue-164 116 49 impossible impossible ADJ issue-164 116 50 to to PART issue-164 116 51 predict predict VERB issue-164 116 52 future future ADJ issue-164 116 53 volumes volume NOUN issue-164 116 54 of of ADP issue-164 116 55 additional additional ADJ issue-164 116 56 revenues revenue NOUN issue-164 116 57 as as ADP issue-164 116 58 a a DET issue-164 116 59 result result NOUN issue-164 116 60 of of ADP issue-164 116 61 investment investment NOUN issue-164 116 62 in in ADP issue-164 116 63 assets asset NOUN issue-164 116 64 ; ; PUNCT issue-164 116 65 3 3 X issue-164 116 66 ) ) PUNCT issue-164 116 67 low low ADJ issue-164 116 68 volume volume NOUN issue-164 116 69 of of ADP issue-164 116 70 profitable profitable ADJ issue-164 116 71 securities security NOUN issue-164 116 72 traded trade VERB issue-164 116 73 in in ADP issue-164 116 74 the the DET issue-164 116 75 domestic domestic ADJ issue-164 116 76 stock stock NOUN issue-164 116 77 market market NOUN issue-164 116 78 , , PUNCT issue-164 116 79 which which PRON issue-164 116 80 can can AUX issue-164 116 81 provide provide VERB issue-164 116 82 an an DET issue-164 116 83 acceptable acceptable ADJ issue-164 116 84 return return NOUN issue-164 116 85 - - PUNCT issue-164 116 86 to to ADP issue-164 116 87 - - PUNCT issue-164 116 88 risk risk NOUN issue-164 116 89 level level NOUN issue-164 116 90 ; ; PUNCT issue-164 116 91 4 4 X issue-164 116 92 ) ) PUNCT issue-164 116 93 unstable unstable ADJ issue-164 116 94 macroeconomic macroeconomic ADJ issue-164 116 95 situation situation NOUN issue-164 116 96 in in ADP issue-164 116 97 the the DET issue-164 116 98 country country NOUN issue-164 116 99 ( ( PUNCT issue-164 116 100 an an DET issue-164 116 101 instability instability NOUN issue-164 116 102 of of ADP issue-164 116 103 the the DET issue-164 116 104 national national ADJ issue-164 116 105 currency currency NOUN issue-164 116 106 , , PUNCT issue-164 116 107 high high ADJ issue-164 116 108 inflation inflation NOUN issue-164 116 109 level level NOUN issue-164 116 110 ) ) PUNCT issue-164 116 111 ; ; PUNCT issue-164 116 112 5 5 X issue-164 116 113 ) ) PUNCT issue-164 116 114 rather rather ADV issue-164 116 115 ad ad X issue-164 116 116 hoc hoc X issue-164 116 117 and and CCONJ issue-164 116 118 unbalanced unbalanced ADJ issue-164 116 119 state state NOUN issue-164 116 120 supervision supervision NOUN issue-164 116 121 over over ADP issue-164 116 122 the the DET issue-164 116 123 activities activity NOUN issue-164 116 124 of of ADP issue-164 116 125 financial financial ADJ issue-164 116 126 intermediaries intermediary NOUN issue-164 116 127 ; ; PUNCT issue-164 116 128 the the DET issue-164 116 129 lack lack NOUN issue-164 116 130 of of ADP issue-164 116 131 an an DET issue-164 116 132 effective effective ADJ issue-164 116 133 long long ADJ issue-164 116 134 - - PUNCT issue-164 116 135 term term NOUN issue-164 116 136 strategy strategy NOUN issue-164 116 137 of of ADP issue-164 116 138 financial financial ADJ issue-164 116 139 market market NOUN issue-164 116 140 development development NOUN issue-164 116 141 , , PUNCT issue-164 116 142 and and CCONJ issue-164 116 143 others other NOUN issue-164 116 144 . . PUNCT issue-164 117 1 6 6 X issue-164 117 2 . . PUNCT issue-164 117 3 advantages advantage NOUN issue-164 117 4 of of ADP issue-164 117 5 the the DET issue-164 117 6 investment investment NOUN issue-164 117 7 life life NOUN issue-164 117 8 insurance insurance NOUN issue-164 117 9 implementation implementation NOUN issue-164 117 10 in in ADP issue-164 117 11 ukraine ukraine PROPN issue-164 117 12 both both PRON issue-164 117 13 for for ADP issue-164 117 14 insurers insurer NOUN issue-164 117 15 and and CCONJ issue-164 117 16 for for ADP issue-164 117 17 policyholders policyholder NOUN issue-164 117 18 the the DET issue-164 117 19 attractiveness attractiveness NOUN issue-164 117 20 of of ADP issue-164 117 21 unit unit NOUN issue-164 117 22 - - PUNCT issue-164 117 23 linked link VERB issue-164 117 24 products product NOUN issue-164 117 25 to to ADP issue-164 117 26 customers customer NOUN issue-164 117 27 is be AUX issue-164 117 28 as as SCONJ issue-164 117 29 follows follow VERB issue-164 117 30 : : PUNCT issue-164 117 31 possibility possibility NOUN issue-164 117 32 of of ADP issue-164 117 33 direct direct ADJ issue-164 117 34 participation participation NOUN issue-164 117 35 in in ADP issue-164 117 36 the the DET issue-164 117 37 investment investment NOUN issue-164 117 38 , , PUNCT issue-164 117 39 independent independent ADJ issue-164 117 40 choice choice NOUN issue-164 117 41 of of ADP issue-164 117 42 investment investment NOUN issue-164 117 43 instruments instrument NOUN issue-164 117 44 ; ; PUNCT issue-164 117 45 psychological psychological ADJ issue-164 117 46 protection protection NOUN issue-164 117 47 . . PUNCT issue-164 118 1 care care VERB issue-164 118 2 for for ADP issue-164 118 3 children child NOUN issue-164 118 4 and and CCONJ issue-164 118 5 families family NOUN issue-164 118 6 in in ADP issue-164 118 7 difficult difficult ADJ issue-164 118 8 life life NOUN issue-164 118 9 situations situation NOUN issue-164 118 10 ; ; PUNCT issue-164 118 11 reliability reliability NOUN issue-164 118 12 and and CCONJ issue-164 118 13 professionalism professionalism NOUN issue-164 118 14 about about ADP issue-164 118 15 . . PUNCT issue-164 119 1 it it PRON issue-164 119 2 requires require VERB issue-164 119 3 strict strict ADJ issue-164 119 4 control control NOUN issue-164 119 5 by by ADP issue-164 119 6 the the DET issue-164 119 7 public public ADJ issue-164 119 8 authorities authority NOUN issue-164 119 9 over over ADP issue-164 119 10 the the DET issue-164 119 11 activities activity NOUN issue-164 119 12 of of ADP issue-164 119 13 investment investment NOUN issue-164 119 14 funds fund NOUN issue-164 119 15 ; ; PUNCT issue-164 119 16 lower low ADJ issue-164 119 17 operating operating NOUN issue-164 119 18 costs cost NOUN issue-164 119 19 due due ADJ issue-164 119 20 to to ADP issue-164 119 21 scale scale NOUN issue-164 119 22 ( ( PUNCT issue-164 119 23 a a DET issue-164 119 24 large large ADJ issue-164 119 25 number number NOUN issue-164 119 26 of of ADP issue-164 119 27 shareholders shareholder NOUN issue-164 119 28 of of ADP issue-164 119 29 a a DET issue-164 119 30 fund fund NOUN issue-164 119 31 ) ) PUNCT issue-164 119 32 ; ; PUNCT issue-164 119 33 additional additional ADJ issue-164 119 34 tax tax NOUN issue-164 119 35 benefits benefit NOUN issue-164 119 36 under under ADP issue-164 119 37 certain certain ADJ issue-164 119 38 conditions condition NOUN issue-164 119 39 ( ( PUNCT issue-164 119 40 in in ADP issue-164 119 41 particular particular ADJ issue-164 119 42 , , PUNCT issue-164 119 43 the the DET issue-164 119 44 minimum minimum ADJ issue-164 119 45 duration duration NOUN issue-164 119 46 of of ADP issue-164 119 47 the the DET issue-164 119 48 contract contract NOUN issue-164 119 49 and and CCONJ issue-164 119 50 the the DET issue-164 119 51 availability availability NOUN issue-164 119 52 of of ADP issue-164 119 53 insurance insurance NOUN issue-164 119 54 cover cover NOUN issue-164 119 55 for for ADP issue-164 119 56 the the DET issue-164 119 57 risk risk NOUN issue-164 119 58 of of ADP issue-164 119 59 " " PUNCT issue-164 119 60 death death NOUN issue-164 119 61 " " PUNCT issue-164 119 62 ) ) PUNCT issue-164 119 63 , , PUNCT issue-164 119 64 which which PRON issue-164 119 65 are be AUX issue-164 119 66 used use VERB issue-164 119 67 in in ADP issue-164 119 68 unit unit NOUN issue-164 119 69 - - PUNCT issue-164 119 70 linked link VERB issue-164 119 71 programs program NOUN issue-164 119 72 in in ADP issue-164 119 73 most most ADJ issue-164 119 74 countries country NOUN issue-164 119 75 of of ADP issue-164 119 76 the the DET issue-164 119 77 world world NOUN issue-164 119 78 ; ; PUNCT issue-164 119 79 professional professional ADJ issue-164 119 80 risk risk NOUN issue-164 119 81 diversification diversification NOUN issue-164 119 82 . . PUNCT issue-164 120 1 the the DET issue-164 120 2 professionalism professionalism NOUN issue-164 120 3 of of ADP issue-164 120 4 a a DET issue-164 120 5 management management NOUN issue-164 120 6 company company NOUN issue-164 120 7 allows allow VERB issue-164 120 8 timely timely ADV issue-164 120 9 to to PART issue-164 120 10 revise revise VERB issue-164 120 11 the the DET issue-164 120 12 fund fund NOUN issue-164 120 13 's 's PART issue-164 120 14 assets asset NOUN issue-164 120 15 and and CCONJ issue-164 120 16 monitor monitor VERB issue-164 120 17 effectiveness effectiveness NOUN issue-164 120 18 of of ADP issue-164 120 19 investments investment NOUN issue-164 120 20 ; ; PUNCT issue-164 120 21 high high ADJ issue-164 120 22 degree degree NOUN issue-164 120 23 of of ADP issue-164 120 24 transparency transparency NOUN issue-164 120 25 of of ADP issue-164 120 26 revenues revenue NOUN issue-164 120 27 under under ADP issue-164 120 28 insurance insurance NOUN issue-164 120 29 products product NOUN issue-164 120 30 , , PUNCT issue-164 120 31 particularly particularly ADV issue-164 120 32 in in ADP issue-164 120 33 comparison comparison NOUN issue-164 120 34 with with ADP issue-164 120 35 policies policy NOUN issue-164 120 36 on on ADP issue-164 120 37 sharing share VERB issue-164 120 38 in in ADP issue-164 120 39 the the DET issue-164 120 40 company company NOUN issue-164 120 41 's 's PART issue-164 120 42 profits profit NOUN issue-164 120 43 . . PUNCT issue-164 121 1 in in ADP issue-164 121 2 the the DET issue-164 121 3 latter latter ADJ issue-164 121 4 case case NOUN issue-164 121 5 , , PUNCT issue-164 121 6 it it PRON issue-164 121 7 is be AUX issue-164 121 8 often often ADV issue-164 121 9 difficult difficult ADJ issue-164 121 10 to to PART issue-164 121 11 keep keep VERB issue-164 121 12 track track NOUN issue-164 121 13 for for ADP issue-164 121 14 a a DET issue-164 121 15 policyholder policyholder NOUN issue-164 121 16 of of ADP issue-164 121 17 how how SCONJ issue-164 121 18 company company NOUN issue-164 121 19 's 's PART issue-164 121 20 shareholders shareholder NOUN issue-164 121 21 distribute distribute VERB issue-164 121 22 profits profit NOUN issue-164 121 23 from from ADP issue-164 121 24 investment investment NOUN issue-164 121 25 activities activity NOUN issue-164 121 26 ; ; PUNCT issue-164 121 27 a a DET issue-164 121 28 possibility possibility NOUN issue-164 121 29 of of ADP issue-164 121 30 additional additional ADJ issue-164 121 31 income income NOUN issue-164 121 32 ( ( PUNCT issue-164 121 33 much much ADV issue-164 121 34 higher high ADJ issue-164 121 35 in in ADP issue-164 121 36 comparison comparison NOUN issue-164 121 37 with with ADP issue-164 121 38 other other ADJ issue-164 121 39 life life NOUN issue-164 121 40 insurance insurance NOUN issue-164 121 41 products product NOUN issue-164 121 42 ) ) PUNCT issue-164 121 43 . . PUNCT issue-164 122 1 7 7 X issue-164 122 2 . . X issue-164 122 3 conclusions conclusion NOUN issue-164 122 4 the the DET issue-164 122 5 analysis analysis NOUN issue-164 122 6 of of ADP issue-164 122 7 the the DET issue-164 122 8 problems problem NOUN issue-164 122 9 and and CCONJ issue-164 122 10 prospects prospect NOUN issue-164 122 11 for for ADP issue-164 122 12 the the DET issue-164 122 13 introduction introduction NOUN issue-164 122 14 of of ADP issue-164 122 15 the the DET issue-164 122 16 innovative innovative ADJ issue-164 122 17 unit unit NOUN issue-164 122 18 - - PUNCT issue-164 122 19 linked link VERB issue-164 122 20 insurance insurance NOUN issue-164 122 21 product product NOUN issue-164 122 22 in in ADP issue-164 122 23 ukraine ukraine PROPN issue-164 122 24 leads lead VERB issue-164 122 25 to to ADP issue-164 122 26 the the DET issue-164 122 27 following follow VERB issue-164 122 28 main main ADJ issue-164 122 29 conclusions conclusion NOUN issue-164 122 30 . . PUNCT issue-164 123 1 today today NOUN issue-164 123 2 , , PUNCT issue-164 123 3 the the DET issue-164 123 4 ukrainian ukrainian ADJ issue-164 123 5 insurance insurance NOUN issue-164 123 6 market market NOUN issue-164 123 7 is be AUX issue-164 123 8 not not PART issue-164 123 9 ready ready ADJ issue-164 123 10 for for ADP issue-164 123 11 the the DET issue-164 123 12 introduction introduction NOUN issue-164 123 13 of of ADP issue-164 123 14 unit unit NOUN issue-164 123 15 - - PUNCT issue-164 123 16 linked link VERB issue-164 123 17 insurance insurance NOUN issue-164 123 18 given give VERB issue-164 123 19 the the DET issue-164 123 20 insignificant insignificant ADJ issue-164 123 21 pace pace NOUN issue-164 123 22 of of ADP issue-164 123 23 development development NOUN issue-164 123 24 of of ADP issue-164 123 25 life life NOUN issue-164 123 26 insurance insurance NOUN issue-164 123 27 companies company NOUN issue-164 123 28 and and CCONJ issue-164 123 29 the the DET issue-164 123 30 stock stock NOUN issue-164 123 31 market market NOUN issue-164 123 32 . . PUNCT issue-164 124 1 but but CCONJ issue-164 124 2 with with ADP issue-164 124 3 the the DET issue-164 124 4 solution solution NOUN issue-164 124 5 of of ADP issue-164 124 6 these these DET issue-164 124 7 problems problem NOUN issue-164 124 8 and and CCONJ issue-164 124 9 in in ADP issue-164 124 10 the the DET issue-164 124 11 longer long ADJ issue-164 124 12 term term NOUN issue-164 124 13 , , PUNCT issue-164 124 14 table table NOUN issue-164 124 15 3 3 NUM issue-164 124 16 alternatives alternative NOUN issue-164 124 17 for for ADP issue-164 124 18 the the DET issue-164 124 19 transition transition NOUN issue-164 124 20 from from ADP issue-164 124 21 one one NUM issue-164 124 22 type type NOUN issue-164 124 23 of of ADP issue-164 124 24 life life NOUN issue-164 124 25 insurance insurance NOUN issue-164 124 26 contract contract NOUN issue-164 124 27 to to ADP issue-164 124 28 another another PRON issue-164 124 29 ( ( PUNCT issue-164 124 30 unit unit NOUN issue-164 124 31 - - PUNCT issue-164 124 32 linked link VERB issue-164 124 33 ) ) PUNCT issue-164 124 34 european european ADJ issue-164 124 35 alternative alternative NOUN issue-164 124 36 ( ( PUNCT issue-164 124 37 may may AUX issue-164 124 38 be be AUX issue-164 124 39 implemented implement VERB issue-164 124 40 only only ADV issue-164 124 41 after after ADP issue-164 124 42 expiration expiration NOUN issue-164 124 43 of of ADP issue-164 124 44 a a DET issue-164 124 45 contract contract NOUN issue-164 124 46 ) ) PUNCT issue-164 124 47 american american ADJ issue-164 124 48 alternative alternative NOUN issue-164 124 49 ( ( PUNCT issue-164 124 50 may may AUX issue-164 124 51 be be AUX issue-164 124 52 implemented implement VERB issue-164 124 53 during during ADP issue-164 124 54 the the DET issue-164 124 55 term term NOUN issue-164 124 56 of of ADP issue-164 124 57 a a DET issue-164 124 58 contract contract NOUN issue-164 124 59 ) ) PUNCT issue-164 124 60 guarantees guarantee VERB issue-164 124 61 guaranteed guarantee VERB issue-164 124 62 choice choice NOUN issue-164 124 63 of of ADP issue-164 124 64 converting convert VERB issue-164 124 65 the the DET issue-164 124 66 rent rent NOUN issue-164 124 67 : : PUNCT issue-164 124 68 a a DET issue-164 124 69 possibility possibility NOUN issue-164 124 70 of of ADP issue-164 124 71 payment payment NOUN issue-164 124 72 at at ADP issue-164 124 73 the the DET issue-164 124 74 end end NOUN issue-164 124 75 of of ADP issue-164 124 76 the the DET issue-164 124 77 insurance insurance NOUN issue-164 124 78 contract contract NOUN issue-164 124 79 or or CCONJ issue-164 124 80 a a DET issue-164 124 81 possibility possibility NOUN issue-164 124 82 of of ADP issue-164 124 83 its its PRON issue-164 124 84 investing investing NOUN issue-164 124 85 in in ADP issue-164 124 86 a a DET issue-164 124 87 unitlinked unitlinked ADJ issue-164 124 88 insurance insurance NOUN issue-164 124 89 policy policy NOUN issue-164 124 90 . . PUNCT issue-164 125 1 the the DET issue-164 125 2 transition transition NOUN issue-164 125 3 from from ADP issue-164 125 4 a a DET issue-164 125 5 policy policy NOUN issue-164 125 6 of of ADP issue-164 125 7 sharing sharing NOUN issue-164 125 8 in in ADP issue-164 125 9 company company NOUN issue-164 125 10 profits profit NOUN issue-164 125 11 to to ADP issue-164 125 12 a a DET issue-164 125 13 unit unit NOUN issue-164 125 14 - - PUNCT issue-164 125 15 linked link VERB issue-164 125 16 policy policy NOUN issue-164 125 17 . . PUNCT issue-164 126 1 guaranteed guarantee VERB issue-164 126 2 minimum minimum ADJ issue-164 126 3 accumulated accumulate VERB issue-164 126 4 amount amount NOUN issue-164 126 5 . . PUNCT issue-164 127 1 the the DET issue-164 127 2 guaranteed guarantee VERB issue-164 127 3 period period NOUN issue-164 127 4 of of ADP issue-164 127 5 pension pension NOUN issue-164 127 6 payment payment NOUN issue-164 127 7 : : PUNCT issue-164 127 8 monthly monthly ADJ issue-164 127 9 payment payment NOUN issue-164 127 10 of of ADP issue-164 127 11 pensions pension NOUN issue-164 127 12 regardless regardless ADV issue-164 127 13 of of ADP issue-164 127 14 whether whether SCONJ issue-164 127 15 the the DET issue-164 127 16 insured insure VERB issue-164 127 17 person person NOUN issue-164 127 18 is be AUX issue-164 127 19 alive alive ADJ issue-164 127 20 ( ( PUNCT issue-164 127 21 in in ADP issue-164 127 22 the the DET issue-164 127 23 event event NOUN issue-164 127 24 of of ADP issue-164 127 25 his his PRON issue-164 127 26 / / SYM issue-164 127 27 her her PRON issue-164 127 28 death death NOUN issue-164 127 29 , , PUNCT issue-164 127 30 payment payment NOUN issue-164 127 31 should should AUX issue-164 127 32 be be AUX issue-164 127 33 made make VERB issue-164 127 34 to to ADP issue-164 127 35 the the DET issue-164 127 36 heirs heir NOUN issue-164 127 37 up up ADP issue-164 127 38 to to ADP issue-164 127 39 the the DET issue-164 127 40 end end NOUN issue-164 127 41 of of ADP issue-164 127 42 the the DET issue-164 127 43 contract contract NOUN issue-164 127 44 ) ) PUNCT issue-164 127 45 . . PUNCT issue-164 128 1 rejection rejection NOUN issue-164 128 2 of of ADP issue-164 128 3 the the DET issue-164 128 4 unit unit NOUN issue-164 128 5 - - PUNCT issue-164 128 6 linked link VERB issue-164 128 7 policy policy NOUN issue-164 128 8 . . PUNCT issue-164 129 1 the the DET issue-164 129 2 ability ability NOUN issue-164 129 3 to to PART issue-164 129 4 move move VERB issue-164 129 5 away away ADV issue-164 129 6 from from ADP issue-164 129 7 unit unit NOUN issue-164 129 8 - - PUNCT issue-164 129 9 linked link VERB issue-164 129 10 insurance insurance NOUN issue-164 129 11 policy policy NOUN issue-164 129 12 conditions condition NOUN issue-164 129 13 for for ADP issue-164 129 14 some some DET issue-164 129 15 time time NOUN issue-164 129 16 ( ( PUNCT issue-164 129 17 for for ADP issue-164 129 18 the the DET issue-164 129 19 unfavourable unfavourable ADJ issue-164 129 20 situation situation NOUN issue-164 129 21 in in ADP issue-164 129 22 the the DET issue-164 129 23 stock stock NOUN issue-164 129 24 market market NOUN issue-164 129 25 ) ) PUNCT issue-164 129 26 . . PUNCT issue-164 130 1 guaranteed guarantee VERB issue-164 130 2 minimum minimum NOUN issue-164 130 3 amount amount NOUN issue-164 130 4 of of ADP issue-164 130 5 refund refund NOUN issue-164 130 6 in in ADP issue-164 130 7 case case NOUN issue-164 130 8 of of ADP issue-164 130 9 early early ADJ issue-164 130 10 termination termination NOUN issue-164 130 11 of of ADP issue-164 130 12 the the DET issue-164 130 13 contract contract NOUN issue-164 130 14 . . PUNCT issue-164 131 1 the the DET issue-164 131 2 guaranteed guarantee VERB issue-164 131 3 minimum minimum NOUN issue-164 131 4 payout payout NOUN issue-164 131 5 for for ADP issue-164 131 6 the the DET issue-164 131 7 risk risk NOUN issue-164 131 8 of of ADP issue-164 131 9 " " PUNCT issue-164 131 10 death death NOUN issue-164 131 11 " " PUNCT issue-164 131 12 . . PUNCT issue-164 132 1 source source NOUN issue-164 132 2 : : PUNCT issue-164 132 3 compiled compile VERB issue-164 132 4 by by ADP issue-164 132 5 the the DET issue-164 132 6 author author NOUN issue-164 132 7 baltic baltic PROPN issue-164 132 8 journal journal PROPN issue-164 132 9 of of ADP issue-164 132 10 economic economic ADJ issue-164 132 11 studies study NOUN issue-164 132 12 92 92 NUM issue-164 132 13 vol vol NOUN issue-164 132 14 . . PUNCT issue-164 133 1 3 3 NUM issue-164 133 2 , , PUNCT issue-164 133 3 no no INTJ issue-164 133 4 . . NOUN issue-164 133 5 1 1 NUM issue-164 133 6 , , PUNCT issue-164 133 7 2017 2017 NUM issue-164 133 8 an an DET issue-164 133 9 introduction introduction NOUN issue-164 133 10 of of ADP issue-164 133 11 the the DET issue-164 133 12 investment investment NOUN issue-164 133 13 life life NOUN issue-164 133 14 insurance insurance NOUN issue-164 133 15 can can AUX issue-164 133 16 be be AUX issue-164 133 17 a a DET issue-164 133 18 target target NOUN issue-164 133 19 for for ADP issue-164 133 20 the the DET issue-164 133 21 development development NOUN issue-164 133 22 of of ADP issue-164 133 23 the the DET issue-164 133 24 domestic domestic ADJ issue-164 133 25 insurance insurance NOUN issue-164 133 26 market market NOUN issue-164 133 27 . . PUNCT issue-164 134 1 to to PART issue-164 134 2 do do VERB issue-164 134 3 this this PRON issue-164 134 4 , , PUNCT issue-164 134 5 the the DET issue-164 134 6 following follow VERB issue-164 134 7 steps step NOUN issue-164 134 8 should should AUX issue-164 134 9 be be AUX issue-164 134 10 performed perform VERB issue-164 134 11 : : PUNCT issue-164 134 12 increase increase VERB issue-164 134 13 transparency transparency NOUN issue-164 134 14 , , PUNCT issue-164 134 15 capacity capacity NOUN issue-164 134 16 , , PUNCT issue-164 134 17 and and CCONJ issue-164 134 18 stabilize stabilize VERB issue-164 134 19 the the DET issue-164 134 20 stock stock NOUN issue-164 134 21 market market NOUN issue-164 134 22 ; ; PUNCT issue-164 134 23 form form VERB issue-164 134 24 a a DET issue-164 134 25 preferential preferential ADJ issue-164 134 26 tax tax NOUN issue-164 134 27 regime regime NOUN issue-164 134 28 for for ADP issue-164 134 29 unit unit NOUN issue-164 134 30 - - PUNCT issue-164 134 31 linked link VERB issue-164 134 32 policy policy NOUN issue-164 134 33 incomes income NOUN issue-164 134 34 ; ; PUNCT issue-164 134 35 improve improve VERB issue-164 134 36 the the DET issue-164 134 37 legal legal ADJ issue-164 134 38 framework framework NOUN issue-164 134 39 in in ADP issue-164 134 40 the the DET issue-164 134 41 financial financial ADJ issue-164 134 42 market market NOUN issue-164 134 43 ; ; PUNCT issue-164 134 44 increase increase VERB issue-164 134 45 the the DET issue-164 134 46 level level NOUN issue-164 134 47 of of ADP issue-164 134 48 awareness awareness NOUN issue-164 134 49 of of ADP issue-164 134 50 citizens citizen NOUN issue-164 134 51 about about ADP issue-164 134 52 the the DET issue-164 134 53 possibilities possibility NOUN issue-164 134 54 of of ADP issue-164 134 55 investing invest VERB issue-164 134 56 savings saving NOUN issue-164 134 57 in in ADP issue-164 134 58 the the DET issue-164 134 59 financial financial ADJ issue-164 134 60 market market NOUN issue-164 134 61 ; ; PUNCT issue-164 134 62 reform reform VERB issue-164 134 63 the the DET issue-164 134 64 pension pension NOUN issue-164 134 65 system system NOUN issue-164 134 66 . . PUNCT issue-164 135 1 unit unit NOUN issue-164 135 2 - - PUNCT issue-164 135 3 linked link VERB issue-164 135 4 policies policy NOUN issue-164 135 5 will will AUX issue-164 135 6 potentially potentially ADV issue-164 135 7 ensure ensure VERB issue-164 135 8 a a DET issue-164 135 9 higher high ADJ issue-164 135 10 level level NOUN issue-164 135 11 of of ADP issue-164 135 12 return return NOUN issue-164 135 13 than than ADP issue-164 135 14 other other ADJ issue-164 135 15 products product NOUN issue-164 135 16 on on ADP issue-164 135 17 accumulative accumulative ADJ issue-164 135 18 life life NOUN issue-164 135 19 insurance insurance NOUN issue-164 135 20 ; ; PUNCT issue-164 135 21 control control VERB issue-164 135 22 the the DET issue-164 135 23 entire entire ADJ issue-164 135 24 production production NOUN issue-164 135 25 cycle cycle NOUN issue-164 135 26 , , PUNCT issue-164 135 27 from from ADP issue-164 135 28 product product NOUN issue-164 135 29 development development NOUN issue-164 135 30 to to ADP issue-164 135 31 its its PRON issue-164 135 32 direct direct ADJ issue-164 135 33 sale sale NOUN issue-164 135 34 to to ADP issue-164 135 35 customers customer NOUN issue-164 135 36 . . PUNCT issue-164 136 1 also also ADV issue-164 136 2 , , PUNCT issue-164 136 3 the the DET issue-164 136 4 development development NOUN issue-164 136 5 of of ADP issue-164 136 6 the the DET issue-164 136 7 investment investment NOUN issue-164 136 8 life life NOUN issue-164 136 9 insurance insurance NOUN issue-164 136 10 in in ADP issue-164 136 11 ukraine ukraine PROPN issue-164 136 12 needs need VERB issue-164 136 13 the the DET issue-164 136 14 state state NOUN issue-164 136 15 support support NOUN issue-164 136 16 , , PUNCT issue-164 136 17 at at ADP issue-164 136 18 which which PRON issue-164 136 19 insurers insurer NOUN issue-164 136 20 will will AUX issue-164 136 21 be be AUX issue-164 136 22 able able ADJ issue-164 136 23 to to PART issue-164 136 24 generate generate VERB issue-164 136 25 a a DET issue-164 136 26 significant significant ADJ issue-164 136 27 portion portion NOUN issue-164 136 28 of of ADP issue-164 136 29 long long ADJ issue-164 136 30 - - PUNCT issue-164 136 31 term term NOUN issue-164 136 32 financial financial ADJ issue-164 136 33 resources resource NOUN issue-164 136 34 to to PART issue-164 136 35 address address VERB issue-164 136 36 the the DET issue-164 136 37 important important ADJ issue-164 136 38 problems problem NOUN issue-164 136 39 of of ADP issue-164 136 40 economic economic ADJ issue-164 136 41 development development NOUN issue-164 136 42 of of ADP issue-164 136 43 the the DET issue-164 136 44 country country NOUN issue-164 136 45 . . PUNCT issue-164 137 1 the the DET issue-164 137 2 implementation implementation NOUN issue-164 137 3 of of ADP issue-164 137 4 all all DET issue-164 137 5 the the DET issue-164 137 6 proposals proposal NOUN issue-164 137 7 and and CCONJ issue-164 137 8 the the DET issue-164 137 9 achievement achievement NOUN issue-164 137 10 of of ADP issue-164 137 11 the the DET issue-164 137 12 goals goal NOUN issue-164 137 13 will will AUX issue-164 137 14 contribute contribute VERB issue-164 137 15 to to ADP issue-164 137 16 attracting attract VERB issue-164 137 17 long long ADJ issue-164 137 18 - - PUNCT issue-164 137 19 term term NOUN issue-164 137 20 resources resource NOUN issue-164 137 21 in in ADP issue-164 137 22 the the DET issue-164 137 23 ukrainian ukrainian ADJ issue-164 137 24 economy economy NOUN issue-164 137 25 , , PUNCT issue-164 137 26 significantly significantly ADV issue-164 137 27 increase increase VERB issue-164 137 28 the the DET issue-164 137 29 degree degree NOUN issue-164 137 30 of of ADP issue-164 137 31 participation participation NOUN issue-164 137 32 of of ADP issue-164 137 33 local local ADJ issue-164 137 34 investors investor NOUN issue-164 137 35 in in ADP issue-164 137 36 the the DET issue-164 137 37 stock stock NOUN issue-164 137 38 market market NOUN issue-164 137 39 transactions transaction NOUN issue-164 137 40 , , PUNCT issue-164 137 41 create create VERB issue-164 137 42 a a DET issue-164 137 43 new new ADJ issue-164 137 44 category category NOUN issue-164 137 45 of of ADP issue-164 137 46 institutional institutional ADJ issue-164 137 47 investors investor NOUN issue-164 137 48 , , PUNCT issue-164 137 49 ensure ensure VERB issue-164 137 50 the the DET issue-164 137 51 long long ADJ issue-164 137 52 - - PUNCT issue-164 137 53 term term NOUN issue-164 137 54 growth growth NOUN issue-164 137 55 of of ADP issue-164 137 56 life life NOUN issue-164 137 57 insurance insurance NOUN issue-164 137 58 sector sector NOUN issue-164 137 59 , , PUNCT issue-164 137 60 and and CCONJ issue-164 137 61 increase increase VERB issue-164 137 62 its its PRON issue-164 137 63 importance importance NOUN issue-164 137 64 in in ADP issue-164 137 65 the the DET issue-164 137 66 national national ADJ issue-164 137 67 economy economy NOUN issue-164 137 68 . . PUNCT issue-164 138 1 references reference NOUN issue-164 138 2 : : PUNCT issue-164 138 3 denisenko denisenko PROPN issue-164 138 4 , , PUNCT issue-164 138 5 m.p m.p PROPN issue-164 138 6 . . PROPN issue-164 138 7 ( ( PUNCT issue-164 138 8 2015 2015 NUM issue-164 138 9 ) ) PUNCT issue-164 138 10 . . PUNCT issue-164 139 1 innovation innovation NOUN issue-164 139 2 in in ADP issue-164 139 3 the the DET issue-164 139 4 insurance insurance NOUN issue-164 139 5 market market NOUN issue-164 139 6 of of ADP issue-164 139 7 ukraine ukraine NOUN issue-164 139 8 . . PUNCT issue-164 140 1 investment investment NOUN issue-164 140 2 : : PUNCT issue-164 140 3 practice practice NOUN issue-164 140 4 and and CCONJ issue-164 140 5 experience experience NOUN issue-164 140 6 , , PUNCT issue-164 140 7 21 21 NUM issue-164 140 8 : : SYM issue-164 140 9 79 79 NUM issue-164 140 10 - - SYM issue-164 140 11 82 82 NUM issue-164 140 12 . . PUNCT issue-164 141 1 kazakova kazakova PROPN issue-164 141 2 , , PUNCT issue-164 141 3 a.a a.a PROPN issue-164 141 4 . . PROPN issue-164 141 5 ( ( PUNCT issue-164 141 6 2012 2012 NUM issue-164 141 7 ) ) PUNCT issue-164 141 8 . . PUNCT issue-164 142 1 analysis analysis NOUN issue-164 142 2 of of ADP issue-164 142 3 factors factor NOUN issue-164 142 4 and and CCONJ issue-164 142 5 prospects prospect NOUN issue-164 142 6 of of ADP issue-164 142 7 development development NOUN issue-164 142 8 of of ADP issue-164 142 9 investment investment NOUN issue-164 142 10 and and CCONJ issue-164 142 11 insurance insurance NOUN issue-164 142 12 products product NOUN issue-164 142 13 in in ADP issue-164 142 14 russia russia PROPN issue-164 142 15 . . PUNCT issue-164 143 1 finance finance NOUN issue-164 143 2 and and CCONJ issue-164 143 3 credit credit NOUN issue-164 143 4 , , PUNCT issue-164 143 5 26 26 NUM issue-164 143 6 ( ( PUNCT issue-164 143 7 506 506 NUM issue-164 143 8 ): ): PUNCT issue-164 143 9 72 72 NUM issue-164 143 10 - - SYM issue-164 143 11 80 80 NUM issue-164 143 12 . . PUNCT issue-164 144 1 mrochkovskyy mrochkovskyy NOUN issue-164 144 2 , , PUNCT issue-164 144 3 n. n. PROPN issue-164 144 4 ( ( PUNCT issue-164 144 5 2008 2008 NUM issue-164 144 6 ) ) PUNCT issue-164 144 7 . . PUNCT issue-164 145 1 unit unit NOUN issue-164 145 2 - - PUNCT issue-164 145 3 linked link VERB issue-164 145 4 – – PUNCT issue-164 145 5 protected protect VERB issue-164 145 6 investments investment NOUN issue-164 145 7 . . PUNCT issue-164 146 1 financial financial ADJ issue-164 146 2 expert expert NOUN issue-164 146 3 , , PUNCT issue-164 146 4 1 1 NUM issue-164 146 5 - - SYM issue-164 146 6 2 2 NUM issue-164 146 7 : : SYM issue-164 146 8 65 65 NUM issue-164 146 9 - - SYM issue-164 146 10 70 70 NUM issue-164 146 11 . . PUNCT issue-164 147 1 sharyfyanova sharyfyanova PROPN issue-164 147 2 , , PUNCT issue-164 147 3 z.f z.f PROPN issue-164 147 4 . . PROPN issue-164 147 5 ( ( PUNCT issue-164 147 6 2015 2015 NUM issue-164 147 7 ) ) PUNCT issue-164 147 8 . . PUNCT issue-164 148 1 problems problem NOUN issue-164 148 2 and and CCONJ issue-164 148 3 prospects prospect NOUN issue-164 148 4 of of ADP issue-164 148 5 development development NOUN issue-164 148 6 of of ADP issue-164 148 7 life life NOUN issue-164 148 8 insurance insurance NOUN issue-164 148 9 . . PUNCT issue-164 149 1 scientific scientific ADJ issue-164 149 2 review review NOUN issue-164 149 3 . . PUNCT issue-164 150 1 series series PROPN issue-164 150 2 1 1 NUM issue-164 150 3 . . PUNCT issue-164 151 1 economics economic NOUN issue-164 151 2 and and CCONJ issue-164 151 3 law law NOUN issue-164 151 4 , , PUNCT issue-164 151 5 3 3 NUM issue-164 151 6 : : SYM issue-164 151 7 165 165 NUM issue-164 151 8 - - SYM issue-164 151 9 170 170 NUM issue-164 151 10 . . PUNCT issue-164 152 1 european european ADJ issue-164 152 2 insurance insurance PROPN issue-164 152 3     SPACE issue-164 152 4 – – PUNCT issue-164 152 5 key key ADJ issue-164 152 6 facts fact NOUN issue-164 152 7 [ [ X issue-164 152 8 electonics electonic NOUN issue-164 152 9 resource resource NOUN issue-164 152 10 ] ] PUNCT issue-164 152 11 . . PUNCT issue-164 153 1 cea cea PROPN issue-164 153 2 insurers insurer NOUN issue-164 153 3 of of ADP issue-164 153 4 europe europe PROPN issue-164 153 5 . . PUNCT issue-164 154 1 access access NOUN issue-164 154 2 mode mode NOUN issue-164 154 3 : : PUNCT issue-164 154 4 http://www.cea.eu/ http://www.cea.eu/ PROPN issue-164 154 5 zevnik zevnik X issue-164 154 6 , , PUNCT issue-164 154 7 r. r. PROPN issue-164 154 8 ( ( PUNCT issue-164 154 9 2010 2010 NUM issue-164 154 10 ) ) PUNCT issue-164 154 11 . . PUNCT issue-164 155 1 the the DET issue-164 155 2 complete complete ADJ issue-164 155 3 book book NOUN issue-164 155 4 of of ADP issue-164 155 5 insurance insurance NOUN issue-164 155 6 . . PUNCT issue-164 156 1 sphinx sphinx NOUN issue-164 156 2 publishing publishing NOUN issue-164 156 3 , , PUNCT issue-164 156 4 p. p. NOUN issue-164 156 5 134 134 NUM issue-164 156 6 - - SYM issue-164 156 7 135 135 NUM issue-164 156 8 . . PUNCT issue-164 157 1 kutty kutty PROPN issue-164 157 2 , , PUNCT issue-164 157 3 s. s. PROPN issue-164 157 4 ( ( PUNCT issue-164 157 5 2011 2011 NUM issue-164 157 6 ) ) PUNCT issue-164 157 7 . . PUNCT issue-164 158 1 managing manage VERB issue-164 158 2 life life NOUN issue-164 158 3 insurance insurance NOUN issue-164 158 4 . . PUNCT issue-164 159 1 phi phi NOUN issue-164 159 2 learning learning PROPN issue-164 159 3 pvt pvt PROPN issue-164 159 4 . . PROPN issue-164 159 5 ltd ltd PROPN issue-164 159 6 , , PUNCT issue-164 159 7 p. p. NOUN issue-164 159 8 24 24 NUM issue-164 159 9 - - SYM issue-164 159 10 36 36 NUM issue-164 159 11 . . PUNCT issue-164 160 1 rodger rodger NOUN issue-164 160 2 , , PUNCT issue-164 160 3 s. s. PROPN issue-164 160 4 ( ( PUNCT issue-164 160 5 2009 2009 NUM issue-164 160 6 ) ) PUNCT issue-164 160 7 . . PUNCT issue-164 161 1 unit unit NOUN issue-164 161 2 - - PUNCT issue-164 161 3 linked link VERB issue-164 161 4 business business NOUN issue-164 161 5 . . PUNCT issue-164 162 1 life life NOUN issue-164 162 2 insurance insurance NOUN issue-164 162 3 monograph monograph NOUN issue-164 162 4 prepared prepare VERB issue-164 162 5 by by ADP issue-164 162 6 education education NOUN issue-164 162 7 service service NOUN issue-164 162 8 on on ADP issue-164 162 9 institute institute PROPN issue-164 162 10 of of ADP issue-164 162 11 actuaries actuary NOUN issue-164 162 12 , , PUNCT issue-164 162 13 p. p. NOUN issue-164 162 14 16 16 NUM issue-164 162 15 - - SYM issue-164 162 16 18 18 NUM issue-164 162 17 . . PUNCT issue-164 163 1 диана диана PROPN issue-164 163 2 третяк третяк PROPN issue-164 163 3 направления направления PROPN issue-164 163 4 внедрения внедрения PROPN issue-164 163 5 инновационных инновационных PROPN issue-164 163 6 продуктов продуктов NOUN issue-164 163 7 на на PROPN issue-164 163 8 страховой страховой PROPN issue-164 163 9 рынок рынок PROPN issue-164 163 10 украины украины PROPN issue-164 163 11 аннотация аннотация NOUN issue-164 163 12 . . PUNCT issue-164 164 1 целью целью PROPN issue-164 164 2 статьи статьи PROPN issue-164 164 3 является является VERB issue-164 164 4 оценка оценка ADJ issue-164 164 5 перспектив перспектив PROPN issue-164 164 6 внедрения внедрения NOUN issue-164 164 7 инвестиционного инвестиционного ADJ issue-164 164 8 страхования страхования NOUN issue-164 164 9 жизни жизни PROPN issue-164 164 10 в в PROPN issue-164 164 11 украине украине PROPN issue-164 164 12 . . PUNCT issue-164 165 1 в в PROPN issue-164 165 2 ходе ходе PROPN issue-164 165 3 исследования исследования PROPN issue-164 165 4 был был NOUN issue-164 165 5 проанализирован проанализирован NOUN issue-164 165 6 опыт опыт VERB issue-164 165 7 зарубежных зарубежных PROPN issue-164 165 8 стран стран PROPN issue-164 165 9 в в PROPN issue-164 165 10 развитии развитии PROPN issue-164 165 11 рынка рынка PROPN issue-164 165 12 инвестиционного инвестиционного ADJ issue-164 165 13 страхования страхования NOUN issue-164 165 14 жизни жизни PROPN issue-164 165 15 . . PUNCT issue-164 166 1 также также NOUN issue-164 166 2 был был PROPN issue-164 166 3 проведён проведён NOUN issue-164 166 4 анализ анализ PROPN issue-164 166 5 существующих существующих PROPN issue-164 166 6 определений определений PROPN issue-164 166 7 unit unit NOUN issue-164 166 8 - - PUNCT issue-164 166 9 linked link VERB issue-164 166 10 , , PUNCT issue-164 166 11 результатом результатом NOUN issue-164 166 12 стал стал NOUN issue-164 166 13 вывод вывод VERB issue-164 166 14 о о PROPN issue-164 166 15 том том PROPN issue-164 166 16 , , PUNCT issue-164 166 17 что что NOUN issue-164 166 18 они они NOUN issue-164 166 19 ограничиваются ограничиваются NOUN issue-164 166 20 лишь лишь PROPN issue-164 166 21 описательной описательной PROPN issue-164 166 22 характеристикой характеристикой PROPN issue-164 166 23 , , PUNCT issue-164 166 24 которая которая ADJ issue-164 166 25 касается касается NOUN issue-164 166 26 того того NOUN issue-164 166 27 или или NOUN issue-164 166 28 иного иного ADJ issue-164 166 29 аспекта аспекта NOUN issue-164 166 30 данного данного NOUN issue-164 166 31 продукта продукта PROPN issue-164 166 32 . . PUNCT issue-164 167 1 при при PROPN issue-164 167 2 этом этом PROPN issue-164 167 3 полноценное полноценное PROPN issue-164 167 4 определение определение NOUN issue-164 167 5 вовсе вовсе ADJ issue-164 167 6 отсутствует отсутствует NOUN issue-164 167 7 . . PUNCT issue-164 168 1 методика методика NOUN issue-164 168 2 . . PUNCT issue-164 169 1 исследование исследование PROPN issue-164 169 2 основано основано PROPN issue-164 169 3 на на PROPN issue-164 169 4 сравнении сравнении PROPN issue-164 169 5 unit unit NOUN issue-164 169 6 - - PUNCT issue-164 169 7 linked link VERB issue-164 169 8 с с PROPN issue-164 169 9 традиционными традиционными PROPN issue-164 169 10 продуктами продуктами PROPN issue-164 169 11 страхования страхования PROPN issue-164 169 12 жизни жизни PROPN issue-164 169 13 , , PUNCT issue-164 169 14 которые которые ADV issue-164 169 15 существуют существуют NOUN issue-164 169 16 в в PROPN issue-164 169 17 мировой мировой PROPN issue-164 169 18 практике практике PROPN issue-164 169 19 . . PUNCT issue-164 170 1 практическое практическое PROPN issue-164 170 2 значение значение PROPN issue-164 170 3 . . PUNCT issue-164 171 1 повышение повышение PROPN issue-164 171 2 приплыва приплыва PROPN issue-164 171 3 долгосрочных долгосрочных PROPN issue-164 171 4 ресурсов ресурсов NOUN issue-164 171 5 в в PROPN issue-164 171 6 экономику экономику VERB issue-164 171 7 украины украины NOUN issue-164 171 8 за за ADP issue-164 171 9 счет счет NOUN issue-164 171 10 внедрения внедрения NOUN issue-164 171 11 инновационного инновационного VERB issue-164 171 12 страхового страхового PROPN issue-164 171 13 продукта продукта NOUN issue-164 171 14 unit unit NOUN issue-164 171 15 - - PUNCT issue-164 171 16 linked link VERB issue-164 171 17 . . PUNCT issue-164 172 1 преобразование преобразование PROPN issue-164 172 2 отрасли отрасли PROPN issue-164 172 3 страхования страхования PROPN issue-164 172 4 жизни жизни PROPN issue-164 172 5 в в PROPN issue-164 172 6 высоко высоко PROPN issue-164 172 7 рентабельную рентабельную PROPN issue-164 172 8 сферу сферу PROPN issue-164 172 9 бизнеса бизнеса PROPN issue-164 172 10 в в PROPN issue-164 172 11 украине украине PROPN issue-164 172 12 . . PUNCT issue-164 173 1 значение значение PROPN issue-164 173 2 / / SYM issue-164 173 3 оригинальность оригинальность PROPN issue-164 173 4 . . PUNCT issue-164 174 1 разработано разработано PROPN issue-164 174 2 методику методику PROPN issue-164 174 3 конструирования конструирования PROPN issue-164 174 4 инновационного инновационного VERB issue-164 174 5 продукта продукта NOUN issue-164 174 6 unit unit NOUN issue-164 174 7 - - PUNCT issue-164 174 8 linked link VERB issue-164 174 9 в в PROPN issue-164 174 10 зависимости зависимости NUM issue-164 174 11 от от PRON issue-164 174 12 специфики специфики ADJ issue-164 174 13 функционирования функционирования NOUN issue-164 174 14 отечественного отечественного NOUN issue-164 174 15 страхового страхового NOUN issue-164 174 16 рынка рынка NOUN issue-164 174 17 . . PUNCT issue-164 175 1 результаты результаты PROPN issue-164 175 2 . . PUNCT issue-164 176 1 в в PROPN issue-164 176 2 статье статье PROPN issue-164 176 3 были были NOUN issue-164 176 4 подробно подробно VERB issue-164 176 5 рассмотрены рассмотрены ADP issue-164 176 6 специфические специфические PROPN issue-164 176 7 черты черты PROPN issue-164 176 8 unit unit NOUN issue-164 176 9 - - PUNCT issue-164 176 10 linked link VERB issue-164 176 11 , , PUNCT issue-164 176 12 отличающие отличающие NOUN issue-164 176 13 этот этот NOUN issue-164 176 14 вид вид PROPN issue-164 176 15 страхования страхования PROPN issue-164 176 16 жизни жизни PROPN issue-164 176 17 от от ADP issue-164 176 18 классического классического NOUN issue-164 176 19 накопительного накопительного ADJ issue-164 176 20 страхования страхования NOUN issue-164 176 21 . . PUNCT issue-164 177 1 помимо помимо ADJ issue-164 177 2 этого этого NOUN issue-164 177 3 выделены выделены PROPN issue-164 177 4 иные иные NOUN issue-164 177 5 важные важные PROPN issue-164 177 6 его его PROPN issue-164 177 7 характеристики характеристики NOUN issue-164 177 8 , , PUNCT issue-164 177 9 такие такие PROPN issue-164 177 10 как как AUX issue-164 177 11 высокий высокий PROPN issue-164 177 12 уровень уровень PROPN issue-164 177 13 гибкости гибкости PROPN issue-164 177 14 и и PROPN issue-164 177 15 прозрачности прозрачности PROPN issue-164 177 16 всех всех PROPN issue-164 177 17 составляющих составляющих PROPN issue-164 177 18 . . PUNCT issue-164 178 1 также также NOUN issue-164 178 2 были были NOUN issue-164 178 3 рассмотрены рассмотрены PROPN issue-164 178 4 преимущества преимущества PROPN issue-164 178 5 и и PROPN issue-164 178 6 недостатки недостатки ADJ issue-164 178 7 unit unit NOUN issue-164 178 8 - - PUNCT issue-164 178 9 linked link VERB issue-164 178 10 , , PUNCT issue-164 178 11 в в PROPN issue-164 178 12 сравнении сравнении PROPN issue-164 178 13 с с PROPN issue-164 178 14 альтернативными альтернативными PROPN issue-164 178 15 продуктами продуктами PROPN issue-164 178 16 , , PUNCT issue-164 178 17 проведена проведена NOUN issue-164 178 18 его его PROPN issue-164 178 19 классификация классификация PROPN issue-164 178 20 по по PROPN issue-164 178 21 выделенной выделенной PROPN issue-164 178 22 группе группе PROPN issue-164 178 23 параметров параметров PROPN issue-164 178 24 . . PUNCT issue-164 179 1 сделаны сделаны PROPN issue-164 179 2 оценки оценки PROPN issue-164 179 3 перспектив перспектив PROPN issue-164 179 4 развития развития PROPN issue-164 179 5 unit unit NOUN issue-164 179 6 - - PUNCT issue-164 179 7 linked link VERB issue-164 179 8 продукта продукта NOUN issue-164 179 9 , , PUNCT issue-164 179 10 а а PROPN issue-164 179 11 также также PROPN issue-164 179 12 влияние влияние PROPN issue-164 179 13 его его PROPN issue-164 179 14 роста роста VERB issue-164 179 15 на на PROPN issue-164 179 16 рынок рынок PROPN issue-164 179 17 страхования страхования PROPN issue-164 179 18 . . PUNCT issue-164 180 1 в в PROPN issue-164 180 2 исследовании исследовании PROPN issue-164 180 3 обосновано обосновано NOUN issue-164 180 4 законодательное законодательное VERB issue-164 180 5 закрепление закрепление ADJ issue-164 180 6 инвестиционного инвестиционного ADJ issue-164 180 7 страхования страхования NOUN issue-164 180 8 жизни жизни PROPN issue-164 180 9 , , PUNCT issue-164 180 10 вместе вместе PROPN issue-164 180 11 с с PROPN issue-164 180 12 рядом рядом PROPN issue-164 180 13 стимулирующих стимулирующих NOUN issue-164 180 14 мер мер PROPN issue-164 180 15 , , PUNCT issue-164 180 16 успешно успешно NOUN issue-164 180 17 реализованных реализованных NOUN issue-164 180 18 в в PROPN issue-164 180 19 схожих схожих PROPN issue-164 180 20 с с PROPN issue-164 180 21 украиной украиной PROPN issue-164 180 22 стран стран PROPN issue-164 180 23 восточной восточной PROPN issue-164 180 24 европы европы PROPN issue-164 180 25 . . PUNCT issue-164 181 1 результатом результатом PROPN issue-164 181 2 в в PROPN issue-164 181 3 рамках рамках PROPN issue-164 181 4 данного данного PROPN issue-164 181 5 направления направления PROPN issue-164 181 6 стала стала VERB issue-164 181 7 выработка выработка ADJ issue-164 181 8 шагов шагов NOUN issue-164 181 9 , , PUNCT issue-164 181 10 по по PROPN issue-164 181 11 внедрению внедрению PROPN issue-164 181 12 и и PROPN issue-164 181 13 развитию развитию PROPN issue-164 181 14 unit unit NOUN issue-164 181 15 - - PUNCT issue-164 181 16 linked link VERB issue-164 181 17 продукта продукта PROPN issue-164 181 18 в в PROPN issue-164 181 19 украине украине PROPN issue-164 181 20 . . PUNCT