title: CONFERENCE MATERIALS
abstract: Insurance market have a variety of problems with risk speculation. Insurance companies should obey the risk management rules as defeat problems of long-and short-term risks. Stress and scenario tests give solution for detecting and observing unplanned events in the both of the life and non-life insurance sector. It is like observing space and identifying comet that potential threat for Earth and observing risks among so many and choosing the pioneer threat for insurance spectrum is a must do for