@misc{Janowski_Andrzej_The, author={Janowski, Andrzej and Balewski, Błażej}, howpublished={online}, publisher={[Nakł.aut.]}, language={eng}, type={artykuł}, title={The life insurance agents’ competencies as a main criterion of life insurance companies effectiveness-the impact of human factor}, keywords={competencies, effectiveness, human resources, insurance agent, insurance companies, management}, }