ФІНАНСОВА БЕЗПЕКА СТРАХОВИХ КОМПАНІЙ В УМОВАХ НЕСТАБІЛЬНОГО РИНКОВОГО СЕРЕДОВИЩА ФУНКЦІОНУВАННЯ

Abstract

In the role of the article, there is about that significance in the institute of insurance, as a guarantee of the insurance protection of the interests of all economic entities. Under the insurance activity, it is necessary to understand, regulated by the norms of law state activity of insurers with the provision of insurance services for wages formed insurance funds, which are built to obtain a license, as a rule, with the method of taking profits. The article analyzes the current development of the insurance market of Ukraine, which is characterized by an unstable economic core of functioning, identifies the main problems and analyzes in proportion to the large-scale Russian invasion of real insurance. Today, the insurance market is saving an invariably low share of premiums from insurance companies in the structure of the added value of the entire financial sector. An assessment of the financial status of the taken insurance company has been made, it has been highlighted that it is effective to live from the effective victory of the money, the obligation to pay the selected insurance premiums for the income increase of the population. It was concluded that the functioning of institutions in rather difficult conditions for the country's economy negatively affects the real financial condition of each insurer. Since the beginning of the war, insurers have faced significant problems in their activities, which are a threat to financial security: the inability to work in regions of active hostilities, a decrease in the solvency of customers, a noticeable narrowing of the life insurance segment, an increase in the rate of increase in the amount of insurance capital, insurance reserves, and a decrease in their financial stability. A stable financial condition is the basis of an appropriate level of financial security of insurance companies, which enables effective protection of economic entities from all risks and threats, including, in particular, during the period of martial law. More financially stable and initiatives to introduce new insurance products of the company will successfully ensure insurance activity, but will contribute to ensuring the fulfillment of its obligations to consumers of insurance services.