Conclusion

It should be mentioned in the conclusion that Marketing strategy and financial economical conditions of attracting potential participants in the field of life insurance, which was worked out by specialists, is not traditional for classical fund and trust programs. It is a conceptual synthesis of a modern attitude forwards the philosophy of savings and augmenting of capital, risky forms of insurance and modern types of marketing.

The estimation of capital growth, which is shown in the programs presented by the partners of "KTK Finances Inc", is based on average guaranteed percentage of income offered by the biggest banks, funds, investments and insurance companies for professional investors. However, depending on world tendency in the development of financial market, in a middle term perspective it is possible to expect a considerable increase in income due to the developing markets in Asia an Eastern Europe, which will positively affect the financial result received by investors.

It should be mentioned that the programs with a long tern investment period give the highest effectiveness with simultaneous minimization of possible risks and threats, as well as a reasonable employment of leverage, which is proved by the following calculations:

The employment of a credit lever when investing in immovable property and bonds is a traditional financial technology. In these fields of investments, risks are insignificant because bank credit percentage is strictly attached to LIBOR, and bonds to a rate of refinancing of national banks, which in its turn leads to its parallel and, consequently, to proportional decrease and increase, which depend on the activity of the market.