Rus Articles Journal

The educational programs reducing risks, so, raising profit.

The Person is the " Project;. The essence of insurance consists in preparation to desirable, and generally the, to not desirable, bearing danger, to events. The similar treatment in the methodological plan gives us the chance of wide use of methods of project management for an assessment of activity of separately taken personality, and also various social groups.

of People, in biological and philosophical meanings, represents trinity of soul, reason and a body. Being by nature allocated with a self-preservation instinct, we are puzzled with questions of personal and public security for a reproduction, realization of own creative potential, creations is personal also socially significant values. Trying to reproduce, keep and transfer in every way to the subsequent generations results of own work and creativity, we break various natural and artificial barriers, and, having achieved the desirable objectives, again we plunge into the actual problem field of new tasks, spiritualized by own mission.

Human life is discrete and subject to different influences both from within, and from the outside. On the one hand, the self-knowledge is different source of innovations, fulfillments, on the other hand, influence of society in a sense formats our world view and imposes requirements to our activity. In a word, the person stays in a condition of the chronic stress caused by various internal and external reasons, and over time under pressure all of the increasing information, begins to feel fear which tries to overcome by all available methods including by means of insurance.

Fear - the emotion arising in situations of threat to biological or social existence of the individual and directed to a source of the valid or imagined danger 3.

the person who owns techniques of effective management of own activity and risks accompanying it financially is of the greatest interest To the insurer, in this case possibility of insured event as a result of inadequate actions of the client is minimized, respectively, it is possible to assume that insurance payments will also be minimized. Naturally there is a question: how the insurance company needs to work to create and to increase constantly number of such potential clients who could be guided adequately in modern reality, without burdening itself different social problems? It turns out that the insurer most needs to attend actively to questions of training of the clients in skills of safe activity, or independently, or to create partner programs in common with specialized educational institutions of additional education, signing autsortsingovy contracts. we will not forget

also about interests of the consumer of insurance services. It is favorable to client to acquire the comprehensive program of insurance with the educational module integrated into it. Similar symbiosis bears in itself the innovative potential sufficient not only for the deduction by the insurer insured among the regular customers, but universality of the knowledge gained by the client allows it to use them for the successful solution of various life situations which directly are not connected with the contract of insurance and to take additional indirect profit from training, reserving the right for termless use methodological to no - Hau.

we will think Now of criteria to which there has to correspond the educational program for improvement of quality of human life setting as the purpose to turn it from the passive observer behind rapid reality and undesirable accidents in the active participant of vital processes? Let`s mark out some of them:

1. Systemacity

2. Scientific character

3. Interdisciplinarity

4. Innovation

5. Scalability

6. Universality

7. A limit practicality

as a possible example of the educational program meeting the listed criteria we will consider a course of the International Academy the Solar Way (further MASP) The System time - management (further CTM ) which, in our opinion, is capable most effectively to help the person to be defined in identification, optimization and timely neutralization of own risks.

Is considered to be that the modular format of an educational program promotes the most effective training and assimilation of the gained knowledge. Course CTM consists of seven basic modules operated by the qualitative system criteria, united in the corresponding hierarchies, undergoing consecutive phase transformations throughout the realized project and characterizing various functional conditions of the studied objects. Object of research in our case are risks of the client of insurance company. Let`s list course " modules; CTM :

1. Idea

2. Concept

3. Strategy

4. Tactics


6 technology.

7 organization. Result

course " Modularity; CTM allows us to fix the attention on key aspects (milestones) of implementation of the unique system project, to give them names, to define a specificity measure, to characterize by various quantitative estimates.

Each module represents set of the interconnected elements - project parameters, qualitatively or quantitatively characterizing this phase. The substantial part of modules is built according to key concepts which are specific to each phase.

1. Idea

Key concepts: uncertainty, an information field, information entropy, depreciation of ideas, a hypothesis, intellectual potential, a noa - Hau, the power logician, stereotypes, creative thinking, mental experiment etc. of

2. Concept

Key concepts: definiteness, vision, essence, sense, prospect, scale, information horizon, typology, structure, modules, interrelations etc. of

3. Strategy

Key concepts: values, mission, goal-setting, future, investments, design horizon, segmentation, stratification etc. of

4. Tactics

Key concepts: project format, step of the project, milestone, stages, own frequency of the project, Shchelkonogov`s matrix, cloning etc.

5. Technology

Key concepts: NIR (scientifically - information revolution), globalization, a human factor, possibilities of adaptation, automation, process management, communication, standardization, certification etc. of


organization Key concepts: a consent, consciousness, cooperation, piramidalno - network structure, motivation, the period of a psychogenic factor, self-organization, leadership, team, hierarchy, delegation etc. of

7. Result

Key concepts: freedom, the choice, independence, the analysis, synthesis, Shchelkonogov`s paradox, the system choice, physical health, sincere pacification, intellectual to no - Hau, financial success etc. of

the System criteria considered is aware CTM have the dialectic nature, reflect dynamics of changes of various system parameters and determine finally the volume and depth of the innovations introduced by the person in the activity in the course of its optimization. System criteria characterize the whole hierarchies of functional parameters, integrating them with various quantitative indices of the project. Here some of them:

1. One-man management - characterizes hierarchy of relationship of functional parameters.

2. The respect - characterizes hierarchy of priorities of functional parameters.

3. Honesty - characterizes hierarchy of identity of functional parameters.

4. Sincerity - characterizes hierarchy of continuity of functional parameters.

5. Control - characterizes hierarchy of subordination of functional parameters.

6. The choice - characterizes hierarchy of sequence of functional parameters.

7. Balance - characterizes hierarchy of distribution of functional parameters.

8. Competence - characterizes hierarchy of independence of functional parameters.

9. The complementarity - characterizes hierarchy of integrity of functional parameters.

10. Similarity - characterizes hierarchy of uniqueness of functional parameters.


Course CTM it is rather volume and universal and demands from the person of deep immersion in numerous aspects of its problem field. Following to recommendations of a course, as a rule, results in need of profound structural changes for system of values of the personality, change of attitudes, outlooks and in general systems of a world view. Never there are big affairs without great difficulties 4. In our case overcoming of these difficulties is rewarded is tenfold.

Experience of training of listeners of MASP showed that the person who began to study according to the " program; CTM the relation to the world surrounding it overestimates: time of the life, possibility of the social status, material resources as it has a long-term strategy of self-realization begins to appreciate more. Level of risks per se considerably decreases owing to the fact that the value of own life for the person increases: he begins to be afraid of daredevil acts, really realizing responsibility and irreversibility of consequences, learns to weigh each step, to carefully plan the activity, to analyze the received results, at the same time studies on others experience (examples and cases CTM ) respectively, the probability of personal mistakes and the related losses decreases.

Considering idea of risk in the context of system a time - management, it is possible to claim surely that the problem of uncertainty of the future is leveled in the course of systematic following to the mastered techniques. The system criteria included in the analytical device of a matrix of Shchelkonogov allow to estimate activity processes most adequately, so, most truly and quickly to react to incentives of external environment, the requirement of reality.

of Prospect of training within the course CTM are rather attractive, especially if to consider the fact that in the market of insurance products of similar complex offers (the insurance policy + the educational module) is practically not present.

Emergence in a product line of insurance companies of synthetic packages which would include insurance and educational services in course " type; CTM in our opinion, will lead to change of the relation at consumers of insurance services to ways of management of insurance risks. It is also possible to assume that interest of clients in financial instruments will be concentrated, generally on accumulative long-term programs, personally focused methodology of management of activity will be the basis for the concept of social insurance.

1 of Anthony Giddens`s

2 performances Albert Einstein

3 the Dictionary of the practical psychologist

4 Voltaire