Страховой актуарий как посредник в сфере страхования

Abstract

Relevance. Currently, it is difficult to classify our state as one of the countries with a developed insurance market. Despite the fact that almost thirty years have passed since the adoption of the Law of the Russian Federation №. of November 27, 1992 4015-1 "On the organization of insurance business in the Russian Federation", the adoption of special laws on insurance in certain areas, the market of intermediary insurance services is only getting on its way of development. Numerous problems that have not been resolved to date, ambiguous judicial practice delay this process. At the same time, it is necessary to note the positive dynamics: the emergence of new participants in insurance mediation brings Russian insurance legislation closer to world standards. One of the manifestations of the transformation of the insurance sector is the emergence of an insurance actuary. The definition of its legal status, role and functional potential is of considerable interest for the theory of private law about its subjects and law enforcement practice. The purpose is to determine the legal status of an insurance actuary as an insurance intermediary. The objectives of the study are as follows: to define an insurance actuary, taking into account its features; to identify the signs of an insurance actuary; to identify the main types of insurance actuaries. Methods. The article is based on the methods of analysis, synthesis, induction, deduction, formal legal. Results. During the scientific work, the legal position of the insurance actuary as one of the insurance interme-diaries was determined, a common understanding of the term insurance actuary was developed, and the specific fea-tures of this subject were determined. Conclusion. The insurance actuary is an intermediary in insurance, acting in the interests of the insurer. The legal status of an insurance actuary depends on whether it acts on its own behalf on the basis of an actuarial settlement service agreement with the insurer, or on behalf of an insurance organization in the performance of an employment function.