Suchergebnisse

Unit-Linked Life Insurance: Regulatory Issues SUMMARY Unit – linked life insurance is a permanent, cumulative life insurance, which essentially involves two different transactions, i. e. insurance and investment. In this case, part of the insurance premium is invested and the policyholder is responsible for the investment. This type insurance has conceptual differences not only from traditional life insurance, but also from financial instruments. Although there is an opinion that unit – linked life insurance does not correspond to the functions of the doctrine, the author of the Master's thesis is of the opinion that these functions are not fully implemented in accordance with the violations of legal requirements. Among other things, in the Master's thesis is analysed the issues of unit - linked life insurance regulation that was distinguished of the Bank of Lithuania. As well as the regulatory issues that was identified at European Union level. Analysis of these problems shows that most of these regulatory issues are inadequately defined, and that the proposed improvements in regulation are ineffective and should be considered as superfluous in the light of the legal regulations in force at that time. Among other things, the reform of the Law on Insurance of the Republic of Lithuania is considered as not guaranteeing real protection of consumer rights. Thus, one of the main problems of unit - linked life insurance, which in fact creates the major part of the problems identified by the Bank of Lithuania, is finally considered by the author. In the third part is presented and analysed possible ways of solving existing regulatory issues, which were not identified by the Bank of Lithuania and not established in recently enacted European Union legislation, i. e. Directive and Regulation.

Unit-Linked Life Insurance: Regulatory Issues SUMMARY Unit – linked life insurance is a permanent, cumulative life insurance, which essentially involves two different transactions, i. e. insurance and investment. In this case, part of the insurance premium is invested and the policyholder is responsible for the investment. This type insurance has conceptual differences not only from traditional life insurance, but also from financial instruments. Although there is an opinion that unit – linked life insurance does not correspond to the functions of the doctrine, the author of the Master's thesis is of the opinion that these functions are not fully implemented in accordance with the violations of legal requirements. Among other things, in the Master's thesis is analysed the issues of unit - linked life insurance regulation that was distinguished of the Bank of Lithuania. As well as the regulatory issues that was identified at European Union level. Analysis of these problems shows that most of these regulatory issues are inadequately defined, and that the proposed improvements in regulation are ineffective and should be considered as superfluous in the light of the legal regulations in force at that time. Among other things, the reform of the Law on Insurance of the Republic of Lithuania is considered as not guaranteeing real protection of consumer rights. Thus, one of the main problems of unit - linked life insurance, which in fact creates the major part of the problems identified by the Bank of Lithuania, is finally considered by the author. In the third part is presented and analysed possible ways of solving existing regulatory issues, which were not identified by the Bank of Lithuania and not established in recently enacted European Union legislation, i. e. Directive and Regulation.

Unit-Linked Life Insurance: Regulatory Issues SUMMARY Unit – linked life insurance is a permanent, cumulative life insurance, which essentially involves two different transactions, i. e. insurance and investment. In this case, part of the insurance premium is invested and the policyholder is responsible for the investment. This type insurance has conceptual differences not only from traditional life insurance, but also from financial instruments. Although there is an opinion that unit – linked life insurance does not correspond to the functions of the doctrine, the author of the Master's thesis is of the opinion that these functions are not fully implemented in accordance with the violations of legal requirements. Among other things, in the Master's thesis is analysed the issues of unit - linked life insurance regulation that was distinguished of the Bank of Lithuania. As well as the regulatory issues that was identified at European Union level. Analysis of these problems shows that most of these regulatory issues are inadequately defined, and that the proposed improvements in regulation are ineffective and should be considered as superfluous in the light of the legal regulations in force at that time. Among other things, the reform of the Law on Insurance of the Republic of Lithuania is considered as not guaranteeing real protection of consumer rights. Thus, one of the main problems of unit - linked life insurance, which in fact creates the major part of the problems identified by the Bank of Lithuania, is finally considered by the author. In the third part is presented and analysed possible ways of solving existing regulatory issues, which were not identified by the Bank of Lithuania and not established in recently enacted European Union legislation, i. e. Directive and Regulation.

Unit-Linked Life Insurance: Regulatory Issues SUMMARY Unit – linked life insurance is a permanent, cumulative life insurance, which essentially involves two different transactions, i. e. insurance and investment. In this case, part of the insurance premium is invested and the policyholder is responsible for the investment. This type insurance has conceptual differences not only from traditional life insurance, but also from financial instruments. Although there is an opinion that unit – linked life insurance does not correspond to the functions of the doctrine, the author of the Master's thesis is of the opinion that these functions are not fully implemented in accordance with the violations of legal requirements. Among other things, in the Master's thesis is analysed the issues of unit - linked life insurance regulation that was distinguished of the Bank of Lithuania. As well as the regulatory issues that was identified at European Union level. Analysis of these problems shows that most of these regulatory issues are inadequately defined, and that the proposed improvements in regulation are ineffective and should be considered as superfluous in the light of the legal regulations in force at that time. Among other things, the reform of the Law on Insurance of the Republic of Lithuania is considered as not guaranteeing real protection of consumer rights. Thus, one of the main problems of unit - linked life insurance, which in fact creates the major part of the problems identified by the Bank of Lithuania, is finally considered by the author. In the third part is presented and analysed possible ways of solving existing regulatory issues, which were not identified by the Bank of Lithuania and not established in recently enacted European Union legislation, i. e. Directive and Regulation.

Subject of the research - Damage done to the nature make Region Environmental Protection Department of the territory. Aim of the research - to examine wildlife violations Region Environmental Protection Department of the territory. Methodology - data from GeoEnviron information system analysis. Results - Alytus Regional Environmental Protection Department controlled territory 2006- 2013, the most common were punished for hunting rules in the territory of the Republic of Lithuania and (or) other legislation governing hunting, violations of the requirements, and for amateur fishing rules and other legislation governing the amateur fishing violations. In 2013, wildlife violations and fines imposed decreased, while the amount of civil claims has increased significantly. Region Environmental Protection Department controlled territory violations of change does not differ from the general context of Lithuania. Throughout Lithuania in 2013 by increasing the amount of damages, wildlife offenses covered by the calculation of damages, declined.

Subject of the research - Damage done to the nature make Region Environmental Protection Department of the territory. Aim of the research - to examine wildlife violations Region Environmental Protection Department of the territory. Methodology - data from GeoEnviron information system analysis. Results - Alytus Regional Environmental Protection Department controlled territory 2006- 2013, the most common were punished for hunting rules in the territory of the Republic of Lithuania and (or) other legislation governing hunting, violations of the requirements, and for amateur fishing rules and other legislation governing the amateur fishing violations. In 2013, wildlife violations and fines imposed decreased, while the amount of civil claims has increased significantly. Region Environmental Protection Department controlled territory violations of change does not differ from the general context of Lithuania. Throughout Lithuania in 2013 by increasing the amount of damages, wildlife offenses covered by the calculation of damages, declined.

Due to the lack of complex research on people with epilepsy and emphasis on physical (body) functioning, the QOL in people with epilepsy is perceived unambiguously and poor knowledge of their QOL factors is noticed. Based on Amartya Sen's capability approach, the dissertation carry out a complex research on the QOL in people with epilepsy and its factors. The research in the dissertation reveal that people with epilepsy worst function in the social, cultural, political participation, health, employment, mobility, social relations, self-esteem and independence domains. The research revealed the disagreement of functioning and capabilities of people with epilepsy, especially of mobility, participation and employment domains. Major part of the people do not operate due to the fear of seizures and lack of willingness. The results of the research show that personal conversion factors have a great influence on QOL in people with epilepsy, especially their age, education and factors of the disease. When the disease symptoms are more obvious, the QOL in people with epilepsy is more influenced by the disease factors. When the disease symptoms are milder – the greater become personal conversion factors. The impact of stigma for QOL in people with epilepsy remains even if the epileptic symptoms are not so visible. The assessment of the domain of agency used in the research revealed that people with epilepsy lack their personal perception they do not perceive themselves as the main agents in their lives.

Due to the lack of complex research on people with epilepsy and emphasis on physical (body) functioning, the QOL in people with epilepsy is perceived unambiguously and poor knowledge of their QOL factors is noticed. Based on Amartya Sen's capability approach, the dissertation carry out a complex research on the QOL in people with epilepsy and its factors. The research in the dissertation reveal that people with epilepsy worst function in the social, cultural, political participation, health, employment, mobility, social relations, self-esteem and independence domains. The research revealed the disagreement of functioning and capabilities of people with epilepsy, especially of mobility, participation and employment domains. Major part of the people do not operate due to the fear of seizures and lack of willingness. The results of the research show that personal conversion factors have a great influence on QOL in people with epilepsy, especially their age, education and factors of the disease. When the disease symptoms are more obvious, the QOL in people with epilepsy is more influenced by the disease factors. When the disease symptoms are milder – the greater become personal conversion factors. The impact of stigma for QOL in people with epilepsy remains even if the epileptic symptoms are not so visible. The assessment of the domain of agency used in the research revealed that people with epilepsy lack their personal perception they do not perceive themselves as the main agents in their lives.

Due to the lack of complex research on people with epilepsy and emphasis on physical (body) functioning, the QOL in people with epilepsy is perceived unambiguously and poor knowledge of their QOL factors is noticed. Based on Amartya Sen's capability approach, the dissertation carry out a complex research on the QOL in people with epilepsy and its factors. The research in the dissertation reveal that people with epilepsy worst function in the social, cultural, political participation, health, employment, mobility, social relations, self-esteem and independence domains. The research revealed the disagreement of functioning and capabilities of people with epilepsy, especially of mobility, participation and employment domains. Major part of the people do not operate due to the fear of seizures and lack of willingness. The results of the research show that personal conversion factors have a great influence on QOL in people with epilepsy, especially their age, education and factors of the disease. When the disease symptoms are more obvious, the QOL in people with epilepsy is more influenced by the disease factors. When the disease symptoms are milder – the greater become personal conversion factors. The impact of stigma for QOL in people with epilepsy remains even if the epileptic symptoms are not so visible. The assessment of the domain of agency used in the research revealed that people with epilepsy lack their personal perception they do not perceive themselves as the main agents in their lives.