Many organizations attract borrowed sources of financing, use various financial instruments, use a commercial loan, carry out operations in foreign currency, etc. The management of financial risks is necessary because of their enormous influence on the results of the entire activity of the organization. The article analyzes the financial risks arising from the organizations of the transport industry, as well as put forward ways to minimize their negative impact.

Investment life insurance products appeared in the life insurance segment in the mid-70s of the last century and by the end of the decade, began to gain popularity in many countries (USA, Canada, Asia and Europe). Throughout its history of development, investment life insurance has experienced many ups and downs. Each financial crisis has had a negative impact on its development indicators. Despite this, interest in investment life insurance persists, as more and more potential policyholders want to use investments in various financial instruments in combination with insurance protection. At the same time, they agree to pay a higher insurance premium, being confident that they receive more for it than with traditional endowment life insurance. The article provides arguments in favor of the need for a legislative revision of restrictions on investment life insurance in order to increase its further attractiveness.

The article analyzes the role of insurance in the practice of railway transport. The railway industry is of particular importance for the Russian Federation due to its geographical position and long distance. Given the importance for the country and the pace of development of the transport industry, the insurance field in this segment, in our opinion, is almost not covered. All this suggests that the current practice of insuring railway transport does not cover all the interests of the organizations in the transport industry. Proposed directions for the further development of railway transport insurance.

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The relevance of the topic is due to the importance of assessing the qualifications of workers based on the developed professional standards. The article identifies the objective prerequisites for the introduction of professional standards. The stages and stages of the implementation of professional standards in organizations and enterprises of various sectors of the economy are highlighted. The main organizational characteristics of the preparatory stage of the implementation of professional standards are identified.