{"id":2,"date":"2026-05-27T14:43:36","date_gmt":"2026-05-27T11:43:36","guid":{"rendered":"http:\/\/clm.ee\/?page_id=2"},"modified":"2026-06-07T20:50:40","modified_gmt":"2026-06-07T17:50:40","slug":"glavn-page","status":"publish","type":"page","link":"https:\/\/clm.ee\/?page_id=2&lang=ru","title":{"rendered":"\u041d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u0430\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u0438\u0437\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u044b\u0445 \u0441\u043b\u0443\u0447\u0430\u0435\u0432"},"content":{"rendered":"\n<h1 class=\"wp-block-heading has-theme-palette-2-color has-text-color has-link-color has-larger-font-size wp-elements-4a42f7f657e0e791dd9a538a3b63b3df\" style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\u041f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043e\u0432 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u043e\u0432 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u043d\u044b\u0445 \u0442\u043e\u0432\u0430\u0440\u0438\u0449\u0435\u0441\u0442\u0432 \u0438 \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0435\u0432 \u0430\u0432\u0442\u043e\u043c\u043e\u0431\u0438\u043b\u0435\u0439 \u043e\u0442 \u043d\u0435\u043e\u0431\u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u044b\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u042f \u0437\u0430\u043d\u0438\u043c\u0430\u044e\u0441\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0443\u0436\u0435 \u0431\u043e\u043b\u0435\u0435 33 \u043b\u0435\u0442. \u0417\u0430 \u044d\u0442\u0438 \u0433\u043e\u0434\u044b \u044f \u043f\u0440\u043e\u0448\u0435\u043b \u043f\u0443\u0442\u044c \u043e\u0442 \u043e\u0442\u043a\u0440\u044b\u0442\u0438\u044f \u0438 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u0430 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430\u043c\u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u044b\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439 (ASA kindlustus, AB Elukindlustus, Salva kindlustus), \u0437\u0430\u043d\u0438\u043c\u0430\u044f\u0441\u044c \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435\u043c \u043f\u0440\u043e\u0434\u0430\u0436 \u0438 \u0443\u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0443\u0449\u0435\u0440\u0431\u043e\u0432.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"631\" height=\"842\" src=\"http:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-2-edited.png\" alt=\"\" class=\"wp-image-55\" style=\"aspect-ratio:0.7494098645794509;width:368px;height:auto\" srcset=\"https:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-2-edited.png 631w, https:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-2-edited-225x300.png 225w\" sizes=\"auto, (max-width: 631px) 100vw, 631px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u0421 2007 \u0433\u043e\u0434\u0430 \u044f \u0440\u0430\u0431\u043e\u0442\u0430\u044e \u043a\u0430\u043a \u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u044b\u0439 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043c\u0430\u043a\u043b\u0435\u0440, \u0438 \u043f\u043e \u0437\u0430\u043a\u043e\u043d\u0443 \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u044e \u0438\u0441\u043a\u043b\u044e\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043d\u0430 \u0441\u0442\u043e\u0440\u043e\u043d\u0435 \u043a\u043b\u0438\u0435\u043d\u0442\u0430. \u0412 2021 \u0433\u043e\u0434\u0443 \u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043b \u0441\u0432\u043e\u0439 \u043e\u043f\u044b\u0442 \u0438 \u0437\u043d\u0430\u043d\u0438\u044f \u0432 \u043a\u043d\u0438\u0433\u0435 <strong>\u00ab<\/strong>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435. \u0421\u043f\u0440\u0430\u0432\u043e\u0447\u043d\u0438\u043a \u0434\u0438\u043b\u0435\u0442\u0430\u043d\u0442\u0430<strong>\u00bb<\/strong>, \u0447\u0442\u043e\u0431\u044b \u043f\u043e\u043c\u043e\u0447\u044c \u043a\u0430\u0436\u0434\u043e\u043c\u0443 \u043b\u0443\u0447\u0448\u0435 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u0432 \u044d\u0442\u043e\u0439 \u0441\u043b\u043e\u0436\u043d\u043e\u0439 \u0441\u0444\u0435\u0440\u0435.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u041c\u043e\u044f \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f \u2014 \u0441\u043b\u043e\u0436\u043d\u044b\u0435 \u0443\u0449\u0435\u0440\u0431\u044b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u041c\u0435\u043d\u044f \u0432\u0441\u0435\u0433\u0434\u0430 \u043f\u0440\u0438\u0432\u043b\u0435\u043a\u0430\u043b\u0438 \u0441\u043b\u043e\u0436\u043d\u044b\u0435 \u0443\u0449\u0435\u0440\u0431\u044b, \u0432 \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b \u043f\u043e\u0438\u0441\u043a \u0438 \u0440\u0430\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0435. \u0418, \u0435\u0441\u043b\u0438 \u044e\u0440\u0438\u0441\u0442\u044b \u0438\u0449\u0443\u0442 \u043f\u0430\u0440\u0430\u0433\u0440\u0430\u0444\u044b, \u0442\u043e \u044f \u0438\u0449\u0443 \u0444\u0430\u043a\u0442\u044b. \u041f\u043e \u0441\u0443\u0442\u0438, \u044f \u0437\u0430\u043d\u0438\u043c\u0430\u044e\u0441\u044c \u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u0435\u043c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0422\u0430\u043a \u043a\u0430\u043a, \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f, \u044d\u0442\u043e \u0435\u0434\u0438\u043d\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u043c\u0435\u0441\u0442\u043e, \u0433\u0434\u0435 \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0435, \u0447\u0435\u043c \u0432\u043b\u043e\u0436\u0438\u043b, \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0432\u044b\u043f\u043b\u0430\u0442 \u0432\u0441\u0435\u0433\u0434\u0430 \u0441\u043e\u043f\u0440\u044f\u0436\u0435\u043d \u0441 \u043f\u0440\u0438\u0434\u0438\u0440\u0447\u0438\u0432\u044b\u043c \u043f\u043e\u0434\u0445\u043e\u0434\u043e\u043c. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u041c\u043e\u044f \u0437\u0430\u0434\u0430\u0447\u0430 \u043a\u0430\u043a \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0433\u043e \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u0430, \u043d\u0430\u0439\u0442\u0438 \u043e\u0448\u0438\u0431\u043a\u0438, \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043d\u0435\u0441\u0442\u044b\u043a\u043e\u0432\u043a\u0438 \u0438\u043b\u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043b\u0430\u0437\u0435\u0439\u043a\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043e\u043c\u043e\u0433\u0443\u0442 \u0432\u044b\u0438\u0433\u0440\u0430\u0442\u044c \u0441\u043f\u043e\u0440 \u0441\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0435\u0439, \u0437\u0430\u0441\u0442\u0430\u0432\u044f\u0442 \u0438\u0445 \u043f\u0435\u0440\u0435\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0441\u0432\u043e\u044e \u043f\u043e\u0437\u0438\u0446\u0438\u044e. \u042f \u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u044c\u043d\u043e \u0437\u043d\u0430\u044e \u00ab\u043a\u0443\u0445\u043d\u044e\u00bb \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438\u0437\u043d\u0443\u0442\u0440\u0438 \u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e \u044d\u0442\u0438 \u0437\u043d\u0430\u043d\u0438\u044f, \u0447\u0442\u043e\u0431\u044b \u0434\u043e\u0431\u0438\u0442\u044c\u0441\u044f \u0441\u043f\u0440\u0430\u0432\u0435\u0434\u043b\u0438\u0432\u043e\u0433\u043e \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0432\u0430\u0441.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0421 \u0443\u0432\u0430\u0436\u0435\u043d\u0438\u0435\u043c,<br>\u041e\u043b\u0435\u0433 \u041a\u0443\u043b\u0442\u0430\u0435\u0432<\/p>\n\n\n<style>.kb-row-layout-id2_a45580-bd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2_a45580-bd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2_a45580-bd > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2_a45580-bd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2_a45580-bd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2_a45580-bd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2_a45580-bd alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2_7e587b-fc > .kt-inside-inner-col,.kadence-column2_7e587b-fc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2_7e587b-fc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2_7e587b-fc > .kt-inside-inner-col{flex-direction:column;}.kadence-column2_7e587b-fc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2_7e587b-fc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2_7e587b-fc{position:relative;}@media all and (max-width: 1024px){.kadence-column2_7e587b-fc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2_7e587b-fc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2_7e587b-fc\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u041f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043e\u0432 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u043e\u0432 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u043d\u044b\u0445 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