Life insurance companies play a very important role in the financial sector. Life insurance provides individuals and the economy as a whole, a lot of important financial services. This is one of the main reasons for addressing this topic. In this paper is presented an overview of the progress of the development of the life insurance market among years and recently its trend and current position is shown. There are insurance companies that offer life insurance service in our country, their products are presented to detailed. There are several factors from different fields that directly or indirectly affect promoting the development of the life insurance market. They are presented explained and shown and their progress in parallel with the life insurance market. The special feature of this paper is an econometric study, which explains the relationship that exists between the credit factor mortgage and life insurance. The role of AMF, (Financial Supervision Agency), is mentioned as quite important in the development of the insurance market. The measures taken and targeted remain an objective quite important, on which the performance of the life insurance market depends.

Migration seems to always be present within the cycle of the human life and sometimes it also seems inevitable. We Objectives of studyGiving the wellknown difficulties that face the population of the district of Elbasan in finding a productive employment, it is important to study the characteristics of workers who migrate from rural areas to urban areas . The study that is made through questionnaires and through case studies that will ensure the socio -economic profile of migrants, their motivations to migrate, and aspirations for the future. The main purpose of the study is to analyze the strategy that has been selected by rural migrants who face with limited economic opportunities in their villages, that is: rural -urban migration. Which are the mechanisms and networks of migration, for example in village conditions of origin, social and family networks, ways of traveling, and the type of migration (temporary, permanent, seasonal, return visits, etc.)? Investigation of lifestyle conditions and work experience of rural migrants that work in Elbasan District, How are the living conditions in urban labor markets , and how to compare these with the living conditions in their villages of origin? MethodologyTo respond at main objectives of this study I will refer to the results of questionnaires, specifically the interviews that were done with rural-urban migrants in this circuit. Questionnaires are main research instrument of this paper, therefore the main source of primary data. As a basis for data collection is used face-to-face interview through a short interview, with a duration of 15-25 minutes each. For this work, a total of 52 questionnaires were conducted to study the statistical relationships between variables. Surveys were conducted with rural migrant labor who face limited economic opportunities in their villages.After data collection, processing them is using SPSS software.