The aim of the research in this paper is the process of selling insurance services, as the most important business area of every insurance company. This process is viewed from the marketing and distribution angle in classic insurance sales through traditional sales channels. The insured must be at the center of all future insurance activities of the insurance company. Satisfying the needs of the insured is a basic precondition for the successful sale of insurance services, so for every insurance company it is necessary to implement this in its strategy through business policy and business culture. The insurance service can be distributed by different sales channels. It is important that these sales channels ensure the availability of the insurance service at the right time, in the right place and in the appropriate quantities. The paper deals with classical marketing and traditional distribution channels in the function of insurance sales.

Insurance in the agricultural sector is a special sort of property insurance applied to agricultural manufacturers in the aim of preventing the loss of profit made in agricultural activities. It is not limited to crops and fruitage, rather it refers to livestock, domestic and wild animals, and it can also be applied to greenhouses, in forestry and aquaculture. This paper points out to characteristics of crop and fruitage insurance as an instrument for risk management applied in Europe and Serbia. Different insurance systems are analyzed here with an emphasis on the insurance of one type of risk, combined insurance and crop insurance. Different forms of crop and fruitage insurance are given here, with a special emphasis on the share of insured areas, share of insurance premiums in the insured sum, realized technical result expressed through a ratio of paid claims and paid insurance premiums by the insurer, as well as the number of subsidies which the state is using to partially compensate farmers for the costs of insurance premiums. Has a special social and ecological significance, wherein it is the driver of rural development at the same time.

The subject matter of this paper is the analysis of the quality of the services and the sustainability of the business operations of insurance companies in the agricultural sector in the Republic of Serbia, depending on the teamwork concept. Teamwork belongs to the internal marketing factors in companies' business doing. Teams should have a common goal which the members may only achieve through joint work and a combination of the knowledge and abilities pertaining to different areas. Client satisfaction is a teamwork efficiency measure. Apart from a large number of satisfied users, a large number of new insurance programs innovated from year to year and offering its users an increasingly big range of possible types of insurance are also the indicators of the successful business doing of insurance companies in the agricultural sector. The research study was done on a suitable sample of 250 respondents, employed in 10 insurance companies.

Obezbeđivanje penzija u penzijskom sistemu Republike Srbije suočava se sa velikim teškoćama. Osnovni uzrok ovih teškoća je rastući broj penzionera u poređenju sa brojem zaposlenih iz čijih se prihoda sakuplja novac neophodan za penzije. Ovi problemi, u svetu, rešavaju se reformama penzijskog sistema i uvođenjem penzijskog sistema sa tri stuba u kome će postojeći sistem biti reformisan i pretvoren u prvi stub, dok će se drugi i treći stub zasnivati na penzijskim fondovima. Penzijski fondovi su institucionalni investitori koji imaju posebne odlike i načine investiranja. Predmet ovog rada je analiza poslovanja penzijskih fondova u Republici Srbiji. Dat je prikaz strategije i instrumenata finansiranja penzijskih fondova u Republici Srbiji kao i svi parametri poslovanja u prethodnih deset godina.

The insurance market has a significant impact on the development of economy of each country and it is an important factor of the stability of the financial sector. The insurance market in Serbia is underdeveloped and according to the degree of development, it is well below the average of the European Union member states. This is reflected in the indicators of the development of the insurance market - the ratio between total premium and gross domestic product and total premium per capita. The insurance market in Serbia belongs to a group of emerging markets with significant potential, primarily in the sphere of life insurance. The growth rate of the life insurance market in Serbia was different and it used to be prone to external and internal influence of various factors. Pursuant to the Insurance Law and the Law on Amendments to the Law on the National Bank of Serbia from 2004, supervision over the performance of insurance activities was entrusted to the National Bank of Serbia. In 2004, it defined and disclosed its strategic goal in the field of insurance - creation and maintenance of a safe and stable insurance sector and provision of public confidence in the insurance sector, in order to protect the interests of policyholders and third parties. In accordance with its legal authority, the National Bank of Serbia adopts the acts defined by law, exercises supervision over the performance of insurance activities, issues and revokes licenses for performance of insurance activities, reinsurance, insurance brokerage and activities directly related to insurance activities, gives consent to acts, gives and withdraws approval for appointment of members of the management and supervisory board, grants and revokes the approval for acquiring qualified participation in the company, processes statistical and other data, keeps data registers in accordance with the Law, considers complaints of policyholders and third parties to the work of insurance companies, including conducting mediation.

Life is a natural course, full of the uncertainty and temptation of every human being. In order to make our lives peaceful and have a peaceful future, we try to provide various ways to ensure that we make our lives safer. The pension insurance system is very important for every country from a social, economic and financial point of view. Pensions are primarily a social category because they represent the income of people who are unable to earn a living due to age or illness and as such reflect the social function of the state. In most of the transition countries, reforming processes in the field of pension insurance have been initiated or are under way in order to establish a sustainable functioning model. In Serbia, in the period from 2001 to 2016, attempts were made to reform the pension insurance system in order to solve the inherited unfavorable situation, but still without significant effects. An integral part of the paper is the results of the research conducted with the aim of obtaining the attitude of Belgrade residents about the existing mandatory pension insurance and trust in the same, as well as the view on the need to take additional measures and activities in order to realize a comprehensive reform in the field of pension insurance. Starting from the established goal of the research, it can be concluded that the hypothesis was established that the inhabitants of Belgrade are not satisfied with the existing situation in the pension insurance system, that they consider the pension fund to be vacant and that as such it does not guarantee safe pensions. This indicates that additional measures and activities of the competent state authorities and institutions should be undertaken in the forthcoming period in order to fully implement the projected reform goals in the field of pension insurance.