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The beginning of the 21st century has noted a change in the attitude of modern man towards health and the pursuit of a healthy lifestyle. Thus, particular emphasis is placed on the importance of a healthy diet and a healthy lifestyle. The importance of nourishing nutrition and health-related issues has been recognized and raised on the state level. Thus, numerous national campaigns promote healthy nutrition aimed at improving the overall health of the nation. Health in general, as well as healthy eating habits, are today very important political and economic issues in developed countries. On the contrary, in underdeveloped countries, food shortage is not uncommon. The Republic of Serbia has high-quality and healthy food, but consumer awareness regarding this issue is insufficiently developed. The aim of this paper is to determine the level of the consumption of organic foods by the student population and the awareness of good nutrition and a healthy lifestyle. The research was conducted in the Danube Region within the Republic of Serbia.

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The insurance market has a significant impact on the development of economy of each country and it is an important factor of the stability of the financial sector. The insurance market in Serbia is underdeveloped and according to the degree of development, it is well below the average of the European Union member states. This is reflected in the indicators of the development of the insurance market - the ratio between total premium and gross domestic product and total premium per capita. The insurance market in Serbia belongs to a group of emerging markets with significant potential, primarily in the sphere of life insurance. The growth rate of the life insurance market in Serbia was different and it used to be prone to external and internal influence of various factors. Pursuant to the Insurance Law and the Law on Amendments to the Law on the National Bank of Serbia from 2004, supervision over the performance of insurance activities was entrusted to the National Bank of Serbia. In 2004, it defined and disclosed its strategic goal in the field of insurance - creation and maintenance of a safe and stable insurance sector and provision of public confidence in the insurance sector, in order to protect the interests of policyholders and third parties. In accordance with its legal authority, the National Bank of Serbia adopts the acts defined by law, exercises supervision over the performance of insurance activities, issues and revokes licenses for performance of insurance activities, reinsurance, insurance brokerage and activities directly related to insurance activities, gives consent to acts, gives and withdraws approval for appointment of members of the management and supervisory board, grants and revokes the approval for acquiring qualified participation in the company, processes statistical and other data, keeps data registers in accordance with the Law, considers complaints of policyholders and third parties to the work of insurance companies, including conducting mediation.

The objective of this paper is to present the importance of information and communication technologies (ICT) for the development of insurance companies business, and in particular distribution of insurance products that relies on ICT, primarily the Internet. The special place here is reserved for internet marketing, which is most commonly used in insurance companies. Mobile communications introduce the biggest changes in e-commerce. Nowadays their distribution among consumers offers great opportunities for service providers. Currently, insurance companies in our country do not offer their services through this specific communication channel. However, in the very near future changes can be expected in this sphere because preconditions for such activity already exist in Serbia today. This is supported by the information that certain insurance companies in the countries in the region have already activated their first applications for smartphones, and similar applications for banking already function in Serbia.

The paper describes the importance of information and communication technology for the development of the insurance companies, with special emphasis on the current development and potential for further development of marketing, and the distribution of insurance products in particular, which relies on information and communication technologies, especially the Internet. A special place here is reserved for the internet marketing as the most common of Internet uses among insurance companies. Transforming business processes so that they comply with the principles of electronic commerce will in the neaar future become common even in smaller businesses, formerly conservative financial institutions, e.g. insurance companies, are increasingly turning to e-insurance which, despite high costs of its introduction and initial problems in the operation, are to be relied upon in the near future. Therefore, in many countries, it is becoming accepted, to a greater or lesser extent. Mobile communication brings the biggest changes in electronic commerce. Even today, its prevalence among consumers offers great opportunities for service providers. Insurance companies in our country at this moment do not offer their services through this specific communication channel, but in the very near future changes can be expected in this field, due to the fact that the prerequisites for that exist in Serbia. This is supported by information that some insurance companies in the neighboring countries have already activated their first applications for smart phones and similar applications in the Serbian banking industry already exist.

Climate changes have a strong negative impact on the insurance sector, which is reflected in the slow development of the insurance sector and in the transfer of the greater part of risk on the state and individuals. The difference between collected and paid premiums on the basis of incurred losses is rapidly decreasing, which leads to the fact that insurance market is less and less capable of absorbing the losses associated with climate changes, which then has negative repercussions on the availability of insurance services at an affordable premium. The question of establishing potential long and short-term effects of climate changes on business activities of insurance and reinsurance companies represents a priority and its ultimate objective is to find ways to minimize risks and losses. The problem of climate changes represents an important social problem in today's civilization. At the same time, it is also an ecological problem, but also economic, political, social, cultural, health, etc. It is a global ecological problem, hence we can speak about global climate changes which affect states, nations, continents regardless of where they are and how responsible they are for creating and sustaining these changes [ABSTRACT FROM AUTHOR]