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Journal articles on the topic 'Insurer's financial condition'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Shіrіnyan, Lada. "Comprehensive Diagnosis of Activity's Economic Indicators to Ensure Insurance Companies' Financial Security." Oblik i finansi, no. 2(104) (2024): 94–99. http://dx.doi.org/10.33146/2307-9878-2024-2(104)-94-99.

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The development of the insurance market is accompanied by unstable transitional processes that can create threats and risks of worsening the insurer's financial condition. In this regard, an urgent issue is the comprehensive diagnosis of the economic indicators of the activity of insurance companies to ensure their financial security. The insurer's financial security is a set of measures to eliminate the threats of deterioration of the financial condition to achieve an acceptable level of activity risk during a certain period and ensure the insurer's financial stability before the increase of

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2

Park, Jin, and Byeongyong Choi. "Interest Rate Sensitivity of Financial Institutions by Liquidity Risk: Evidence from U.S. Property/Liability Insurers." Journal of Finance Issues 5, no. 1 (2007): 88–98. http://dx.doi.org/10.58886/jfi.v5i1.2588.

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Attempts to understand the impact of interest rate changes on common stock returns have resulted in numerous studies in finance literature, and significant interest rate sensitivity by stocks of financial institutions has been reported. This paper extends the extant literature by investigating US property-liability (P/L) insurer's stock returns with respect to changes in different termed interest rates and to liquidity risk of the stocks. First, returns on property/liability insurers stocks are influenced by changes in interest rates, but the direction shifts as the insurance market condition

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3

Al-Nimri, Ade. "The Impact of Climate Change on the U.S. Insurance Industry and Means of Prevention." International Journal of Environment and Climate Change 15, no. 1 (2025): 287–98. https://doi.org/10.9734/ijecc/2025/v15i14692.

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This research paper examines climate change's effects on the U.S. insurance sector from 1980 to 2023. The paper suggested that to alleviate the effects of climate change, insurers and insurance regulators must improve openness and accountability in their climate risk management and encourage firms to handle climate risks effectively. Furthermore, they must elucidate the appropriate management of climate risk and instruct examiners on circumventing blue-lining, which complicates families' access to affordable insurance and other financial services, thus hindering their capacity to recuperate fr

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4

Makarenko, Evgeny A., and Ekaterina M. Lukina. "THE AUTHORIZED CAPITAL OF THE SUPPLIER IN THE RISK MANAGEMENT SYSTEM OF PROCUREMENT OF INSURANCE SERVICES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/1, no. 131 (2022): 165–75. http://dx.doi.org/10.36871/ek.up.p.r.2022.11.01.020.

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The article considers options for using the size of the authorized capital of an insurer in risk management as a subcriteria for assessing the financial condition of a potential executor of a contract for insurance services in the framework of competitive procurement (both public and commercial). An analysis is made of the impact of using mechanisms for assessing the volume of the insurer's authorized capital on reducing the competitiveness of purchases and the refusal of potential suppliers to participate in them. An example of introducing a ceiling for assessing the volume of the insurer's a

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МЕЛЬНИЧУК, Ю. М., and О. А. ДЕМ’ЯНИШИНА. "Theoretical and methodical foundations of the use of accounting information for the analysis of the activities of insurers." Economies' Horizons, no. 4(7) (December 31, 2018): 88–97. https://doi.org/10.31499/2616-5236.4(7).2018.161724.

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The article is devoted to the study of the interaction of theoretical and methodical foundations of the use of accounting information, namely financial reporting, for analysis the activities of insurers. The purpose of the research. The purpose of the study is to identify the relationship of indicators of accounting content when used in assessing the financial condition of the insurance company. Methodology. The totality of research methods is a methodology for analyzing and organizing the main legislative acts and laws, namely the methods of generalization, comparison, chronology, analysis an

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6

Aleksieienko, Inna, and Tetiana Kazadaieva. "Methodical aspects of analysis and risk management of an insurance company." Technology audit and production reserves 5, no. 4(79) (2024): 13–18. http://dx.doi.org/10.15587/2706-5448.2024.314391.

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The object of research is the risks of the insurance company. The paper is devoted to the study of the risks of the insurance company, which generate threats to the level of its solvency. The general state of economic development in general and the insurance market in particular determine the operating conditions of any insurer. The insurance company's ability to regulate such conditions is limited, but the formation of a stable state of the internal environment creates opportunities to adapt to threats from the external environment. Timely detection of potential risks in the activities of the

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KNEYSLER, Olga, Svitlana KOROL, and Nataliia SPASIV. "PRAGMATISM OF FINANCIAL STABILITY MANAGEMENT OF INSURANCE COMPANIES IN UKRAINE." WORLD OF FINANCE, no. 3(72) (2023): 99–110. http://dx.doi.org/10.35774/sf2022.03.099.

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Introduction. In the conditions of political instability, unfavorable economic situation due to the pandemic and uncertainty due to the Russian-Ukrainian war, the relevance of various types of insurance is increasing. Therefore, insurers are faced with the problems of minimizing financial risks, balancing between a sufficient level of profitability and public trust in insurance products. Under such circumstances, insurance companies are forced to make timely management decisions that must ensure financial stability while preventing the loss of competitive advantages in the insurance market. Th

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Kovova, Iryna, Olha Shpyrko, and Daryna Kivalo. "FINANCIAL MANAGEMENT IN INSURANCE COMPANIES." Collection of scientific research papers State University of Infrastructure and Technologies Section “Economics and Management”, no. 54 (December 15, 2023): 43–52. http://dx.doi.org/10.32703/2664-2964-2023-54-43-52.

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The role of financial management in insurance companies is becoming increasingly important, as insurance companies strive to respond to the uncertainty and instability of business conditions caused by military aggression, a sharp reduction in consumer and solvent demand, as well as to meet regulatory requirements that are undergoing transformation. The article examines the main reasons for the relevance of increasing attention to the theoretical and practicalresearch of financial management issues at insurers. The authors systematized the process of financial management in insurance companies,

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Iankova Natchkova, Maia. "ANALYSIS OF THE POSSIBILITIES FOR HEALTH INSURERS TO DEVELOP NEW HEALTH INSURANCES IN CONDITIONS OF A COVID-19 PANDEMIC." KNOWLEDGE - International Journal 47, no. 1 (2021): 117–22. http://dx.doi.org/10.35120/kij4701117i.

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The pursuit of the activity of health insurers under the conditions of global economic and health crisis due to the announced COVID-19 pandemic, of severe competition, of globalization and continuous commitment to achieve high yields from the administration of the funds of health insurers, creates conditions and prerequisites to develop new health insurances. As a result of the announced COVID-19 pandemic, health insurers are facing a serious hazard related to the liabilities they have undertaken under the health insurances. There is a large-scale occurrence of the risk assumed by health insur

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10

Stashchuk, O., O. Borysyuk, and M. Datsyuk-Tomchuk. "THE PROBLEMS OF THE DOMESTIC REINSURANCE DEVELOPMENT IN CONDITIONS OF FINANCIAL INSTABILITY." Financial and credit activity: problems of theory and practice 3, no. 38 (2021): 154–61. http://dx.doi.org/10.18371/fcaptp.v3i38.237439.

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Abstract. Financial instability stems from the excessive volatility in the financial markets, the weakness of financial institutions and the inability of financial sector companies to fulfill their obligations, and it is no exception to insurance companies that do not have sufficient financial resources to reinsure. In modern conditions, reinsurance provides stability to the development of the insurers and is one of the most important tools that provides effective protection against various natural, man-made and other risks. The lack of financial resources of the insurance companies obje

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11

Kim, Hee Ju. "A Study on the Rational Solution of Immediate Annuity Issues through the Precedent Analysis." Korean Insurance Law Association 16, no. 3 (2022): 217–71. http://dx.doi.org/10.36248/kdps.2022.16.3.217.

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In the disputes over immediate annuity insurance, the court's judgments of the first and second instances related to the insurer's duty to explain are presented. The disputes began in 2017, and the Financial Supervisory Service's Dispute Mediation Committee recommended that all inherited annuity products(maturity refund type) subscribers pay additional underpaid insurance, but insurers refused to pay collectively except for the mediation case. According to the precedents that consumers have won so far, insurers should specify the risks that “insurers can pay less than the minimum guaranteed ra

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SEMENOH, Andrii, and Dmytro TKACHENKO. "The deposit insurer’s capacity assessment in the context of impact on the financial system stability." Economics. Finances. Law 7/2024, no. - (2024): 141–45. http://dx.doi.org/10.37634/efp.2024.7.30.

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The paper is devoted to the development of a scientific and methodological approach to determining the indicators of the deposit insurer's ability to influence the financial system stability. The scale and complexity of the tasks of ensuring the immediate and gradual reconstruction of Ukraine, high dynamics and proper quality of economic growth, the functioning of the economy in the conditions of war and a constant external threat actualize the issue of increasing domestic investment potential and intensifying the transformation of household savings into investments. It creates challenges for

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13

Botvina, Natalia. "Formation of the insurance market in Ukraine: realities and problems." Economic Analysis, no. 29(4) (2019): 132–37. http://dx.doi.org/10.35774/econa2019.04.132.

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Insurance is one of the important financial segments of the national economy, where financial and investment resources are formed, accumulated, redistributed and used, and there is an interaction between producers and consumers of insurance products. The financial condition of most insurers is quite low and does not provide them with competitive advantages even in the domestic insurance market. The decisive factor in the opacity of insurance processes is determined by the insurers of circuit transactions. Public reporting of insurers does not contribute to an objective diagnosis of their finan

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Buthelezi, Sandile, Vimbai Mbirimi-Hungwe, Taurai Hungwe, and Solly Seeletse. "Bridging the gap: Enhancing understanding of insurance contracts to minimize claims rejections." International Journal of Research in Business and Social Science (2147- 4478) 13, no. 2 (2024): 189–96. http://dx.doi.org/10.20525/ijrbs.v13i2.3207.

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An investigation to balance the sustainability of insurance companies and successful claims on insurance policies is important towards the economy, as well as for assisting the insured during financial difficulty when their items are damaged or lost. This paper examines some rejected short-term insurances where a misunderstanding of the contract might have caused the insurer to lose out on the claim. Data were collected from cases of courts and insurers on rejected claims due to misunderstandings by the insured. The first text data set was a court case. The second was a graph on the root cause

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15

Kryvoshlyk, Tetyana, Olha Dymnich, Tetyana Stetsyuk, Andriy Baranov, Igor Britchenko, and Viktor Trynchuk. "Financial Capacity of Insurance Companies as a Factor of Stable Development of the Ukrainian Insurance Market." Studia Universitatis „Vasile Goldis” Arad – Economics Series 34, no. 2 (2024): 57–85. http://dx.doi.org/10.2478/sues-2024-0008.

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Abstract The relevance of the article is based on an in-depth study of the financial potential of insurers and its impact on the insurance market, which provides valuable information for the stakeholders of the insurance industry. Therefore, this study aims to determine approaches to revealing the essence of the financial capacity of insurers, based on the scientific tools of financial science. The leading approach to the study of this problem is the analysis of the dynamics of liabilities (raised and borrowed funds) and equity capital of insurers and the relationship between them, which enabl

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16

KHUSANOV, DURBEK NISHONOVICH*. "Directions for Improving the Investment Potential of Insurance Companies." Euro Afro Studies International Journal, (EASIJ.COM), 3, no. 5 (2021): 115–21. https://doi.org/10.5281/zenodo.4891148.

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This article examines the investment potential of insurance companies, methods of their formation and factors that directly affect the formation of the investment potential of the insurer. Identified direct and indirect indicators of investment potential and the classification of factors affecting them. One of the leading places in the management of the insurance business is given to the problems of financial stability and solvency of insurance companies. Control and estimating the financial condition is important both for an individual insurance company and for the insurance market as a whole

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17

Kucherivska, Sofiia. "COMPETITIVE ADVANTAGES OF INSURANCE COMPANIES IN THE NEW ECONOMY." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 32(60) (2024): 24–28. http://dx.doi.org/10.25264/2311-5149-2024-32(60)-24-28.

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The article is devoted to researching the competition of insurance companies, determining their competitive advantages in the conditions of the expansion of the spectrum of financial services thanks to FinTech, InsurTech, and general digitalization of business processes. The essence of competition and its importance for the main participants of the insurance market: insurers, policyholders, and the state are revealed. The main factors determining the competition of insurers are the specificity of insurance as a financial service, a high level of state regulation, the complexity of insurance op

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18

Kirillova, Nadezda. "Regulation of financial condition insurers in the Russian Federation and assessment the insurers by insured." Copernican Journal of Finance & Accounting 3, no. 2 (2014): 79. http://dx.doi.org/10.12775/cjfa.2014.019.

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RAI,, VIKASH. "Problems and Prospects of Social Insurance in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34332.

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The fair transfer of the risk of loss from one entity to another in exchange for a payment, known as a premium, is what is meant by insurance (NCAER). A type of risk management called insurance is used to protect or hedge against the possibility of an unforeseen and contingent loss. In the economy, the insurance industry serves as a risk manager, investment activity booster, financial market stabilizer, mobilizer of funds, and financial middleman. According to the Financial Stability Forum, insurance services are categorized into three major categories: social insurance, non-social insurance a

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20

Shiu, Y., and P. Moles. "Use of Dynamic Financial Analysis and Financial Condition Reporting by United Kingdom General Insurers." Annals of Actuarial Science 1, no. 1 (2006): 79–101. http://dx.doi.org/10.1017/s1748499500000063.

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ABSTRACTThis paper presents the findings of a survey of the current Dynamic Financial Analysis (DFA)/Financial Condition Report (FCR) practices in the United Kingdom general insurance industry. An independent samples t test for non-respondent bias was conducted, and the results suggest that the respondent sample is representative of the survey population. The survey results revealed: (1) that the use of DFA techniques in the industry was limited; (2) that scenario testing was the most frequently used technique; (3) that the most common DFA application was the evaluation of reinsurance programm

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Pikus, Ruslana, Nataliia Prykaziuk, and Mariia Balytska. "Financial sustainability management of the insurance company: case of Ukraine." Investment Management and Financial Innovations 15, no. 4 (2018): 219–28. http://dx.doi.org/10.21511/imfi.15(4).2018.18.

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In the current conditions of the Ukrainian economy, which is characterized by crisis phenomena and frequent changes in legislation, the insurance organizations are facing a number of difficulties in maintaining their financial sustainability. Moreover, these processes take place under the increased requirements for solvency of insurers. However, a significant part of domestic insurance companies is financially unstable, which is conditioned not only by the lack of funds, but also by the low level of management. This situation hinders the further development of the insurance market in Ukraine a

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22

Millo, Giovanni. "The Cost of Borrowing as a Limiting Factor of Non-Life Insurance Development: The Italian Case." Risks 12, no. 12 (2024): 189. http://dx.doi.org/10.3390/risks12120189.

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We address the effect of local financial conditions on the demand for non-life insurance. We consider the spread between the interest rates faced by the insured on the local credit market and the return rates earned by the insurer on national or international financial markets, sketching how it influences the present value of an insurance policy; we then use the local invariance of the insurer’s returns to identify the effect on demand. Drawing on a panel of Italian provinces with ample variability in insurance density as well as borrowing conditions, we show that the demand for non-life insur

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Liebenberg, Ivonne A., and Zhilu Lin. "The Effect of Diversification under Different Ownership Structures and Economic Conditions: Evidence from the Great Recession." Journal of Risk and Financial Management 12, no. 2 (2019): 82. http://dx.doi.org/10.3390/jrfm12020082.

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The effect of corporate diversification on firm performance has been extensively documented in the literature. In the general finance literature, Kuppuswamy and Villalonga (2015) studied the diversification effect during the 2007–2009 financial crisis and found that diversification adds value in the presence of external financing constraints. Motivated by this finding, we investigate whether a similar effect applies to insurance firms and we develop hypotheses for their different ownership structures (stock vs. mutual insurers; and group vs. non-group affiliated insurers). Using a sample of pr

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Ilkevich, Sergey Viktorovich, Ekaterina Yevgenievna Listopad, Natalya Vladimirovna Malinovskaya, Polina Petrovna Rostovtseva, Nataliya Nikolaevna Drobysheva, and Andrei Viktorovich Borisov. "Financial Risk and Profitability Management in Russian Insurance Companies in the Context of Digitalization." Risks 10, no. 11 (2022): 214. http://dx.doi.org/10.3390/risks10110214.

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The dynamics of the financial reliability of insurers show rather unstable and often unfavorable trends, which indicate an increase in the risks of their financial insecurity and requires searching for reserves to improve their financial condition in the context of digitalization. The aim of the present research is to develop approaches for managing financial risks and profitability in Russian insurance companies in the context of digitalization. Structurally, the study consisted of a comprehensive analysis of the insurance market in the Russian Federation, as well as an identification of the

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Huang, Liang, Jinyi Qin, and Yan Chen. "Strategic Offerings of Return Freight Insurance by Insurers in Monopolistic and Duopolistic Markets." Mathematics 13, no. 11 (2025): 1855. https://doi.org/10.3390/math13111855.

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With the rapid development of e-commerce, Return Freight Insurance (RFI) has emerged as a vital tool for retailers and customers to mitigate the financial burden posed by high return rates in online shopping. This paper investigates the strategic decision-making of RFI providers (insurers), examining whether they should offer fixed-compensation insurance at a lower price or full-coverage insurance at a higher price under varying market conditions. Specifically, we develop game-theoretic models to analyze insurers’ strategic decisions in both monopoly and duopoly markets, accounting for custome

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Ignatovich, Liliya. "USE OF INNOVATIVE TECHNOLOGIES BY INSURANCE MARKET ENTITIES. TELEMATICS IN CAR INSURANCE." Three Seas Economic Journal 1, no. 2 (2020): 7–11. http://dx.doi.org/10.30525/2661-5150/2020-2-2.

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The purpose of the article is to substantiate the need for the use of innovative technologies by participants in the insurance market, namely, telematics in car insurance. The current state of the financial services market requires insurers to raise standards of work through the introduction of innovative products. It is determined that increasing the competitiveness of an insurance company should focus on providing the best personal services and meet the requirements of modernity and modern social trends, and therefore, make full use of the Internet: marketing and innovation. In view of this,

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Sholoiko, Antonina. "BEHAVIOURAL ASPECTS OF INTERACTION OF PARTICIPANTS OF INSURANCE MARKET." Economic Analysis, no. 27(2) (2017): 116–21. http://dx.doi.org/10.35774/econa2017.02.116.

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Introduction. Recent studies indicate that the state and prospects for the development of the insurance market and its infrastructure should be studied considering the behavioral aspects of the interaction of insurers and insurers with other participants in the insurance market. Purpose. The article aims to reveal the behavioral aspects of the interaction of the participants in the insurance market. Method (methodology). The article uses the following methods: method of analysis, method of synthesis, game theory method, method of generalization. Results. The essential rules of behavioral insur

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TKACHENKO, Nataliia, and Serhiy KYRYLENKO. "INSURANCE COMPANIES AS PRODUCERS OF INVESTMENT FINANCIAL SERVICES." WORLD OF FINANCE, no. 2(75) (2023): 31–44. http://dx.doi.org/10.35774/sf2023.02.031.

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Introduction. Insurance companies are among the largest investors in countries with developed insurance markets. At the same time, it is legitimate to consider them as institutional investors. In today's conditions, foreign insurance companies demonstrate the intensification of life insurance, which, in turn, determines the need to improve existing insurance products and/or introduce non-traditional products, which include investment life insurance. The latter are a popular instrument in the market of insurance and investment services, primarily due to the combination of such features as insur

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Isailović, Miloje, Dejan Drljača, and Jelena Vitomir. "Concentration of capital on the insurance market and solvency assumption." Megatrend revija 19, no. 3 (2022): 61–88. http://dx.doi.org/10.5937/megrev2203061i.

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The subject of this paper is the analysis of the concentration of capital on the insurance market in the Republic of Serbia and the identification of critical points in the analysis of insolvency of insurers. The necessity of economic and social protection of the interests of insured persons in conditions when the business of insurance companies is objectively exposed to a large number of risks can be achieved only if insurance companies meet extremely strict solvency requirements. In addition to the requirements for the adequacy of recognized liabilities and capital adequacy requirements, ins

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Zelie, EnyewMulu, and Fekadu Agmas Wassie. "Examining the Financial Distress Condition and Its Determinant Factors: A Study on Selected Insurance Companies in Ethiopia." World Journal of Education and Humanities 1, no. 1 (2019): p64. http://dx.doi.org/10.22158/wjeh.v1n1p64.

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The financial health status of business firms and the effect of firm characteristics on it are taught to be very important issues in the current business environment. This study empirically examines the financial distress condition and its firm specific determinant factors (Profitability, Liquidity, Efficiency, Leverage and firm size) in the Ethiopian insurance industry. The study is based on a ten year panel data ranging from 2007 to 2016 GC obtained from a sample of nine insurance companies. The study employed the Altman’s Z”-score model to test the financial health condition of the sampled

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Zulkifli, Suhaila, Stefanie Stefanie, Margareth Christiana Philip, and Josua Hasiholan Purba. "ANALISIS YURIDIS TERHADAP PENERAPAN PRINSIP INDEMNITY DAN INSURABLE INTEREST PADA ASURANSI KEBAKARAN DI PT. ASURANSI TOKIO MARINE." Legal Standing : Jurnal Ilmu Hukum 6, no. 1 (2022): 98. http://dx.doi.org/10.24269/ls.v6i1.5040.

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Fire Insurance protects against the danger of property loss or damage. Parties with an interest in the insured object accept the risk of loss. Indemnity (or the principle of loss) plays a role in ensuring equitable compensation. Subrogation will apply against the insured to ensure that the insurance policy runs properly and without loss between the insurer and the insured. The goal of this study is to discuss and explain the Indemnity Principles and Insurable Interest in relation with Fire Insurance. The descriptive qualitative method was employed in the research. Primary and secondary sources

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Reddic, Willie Dion. "Under pressure: investment behaviour of insurers under different financial and regulatory conditions." Geneva Papers on Risk and Insurance - Issues and Practice 46, no. 1 (2020): 1–20. http://dx.doi.org/10.1057/s41288-020-00174-7.

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Permata, Ayu Gita, and Aminah. "Pengaruh Kinerja Keuangan Terhadap Financial Distress (Studi pada Perusahaan Asuransi yang Terdaftar di BEI Periode 2017-2021)." Jurnal EMT KITA 7, no. 3 (2023): 711–20. http://dx.doi.org/10.35870/emt.v7i3.1214.

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The purpose of this study is to analyze the impact of profitability, solvency, and liquidity on the financial condition of 13 Indonesian Stock Exchange (IDX) listed insurance companies in the period 2017-2021. The sampling method used was direct sampling and data were analyzed using descriptive analysis, review, and hypothesis testing. We found that profitability (ROA), solvency (DAR) and liquidity (CR) have partially or simultaneously had a positive and significant impact on the degree of financial deterioration of insurers. These insights have a significant impact on the financial management

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Korol, Svitlana, and Iryna Ivashkiv. "DIRECTIONS OF USING THE INSURER'S FINANCIAL RESOURCES THROUGH THE PRISM OF THE CONTROLLING SYSTEM." Economic Analysis, no. 31(2) (2021): 148–59. http://dx.doi.org/10.35774/econa2021.02.148.

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Introduction. Given the constant challenges of today, the key to survival and the basis of stable development of insurance companies is the effective management of financial resources, the skillful use of which allows a stable competitive position in the insurance market and determines the vectors of their development. It is the financial resources of insurers that are one of the most important resources that are designed to support their activities. Since the insurance, financial and investment activities of insurers are closely linked, the use of their financial resources is aimed not only a

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Marković, Damir. "The relationship between civilian and military health insurance: The condition for more efficient healthcare." Vojno delo 72, no. 1 (2020): 71–88. http://dx.doi.org/10.5937/vojdelo2001071m.

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The aim of this paper is to analyze the relationship between the Fund for Social Security of Military Insurers and the Republic Health Insurance Fund through the aspect of more efficient use of health insurance funds. Analyzing this relationship, the system of health care in the Republic of Serbia and the health insurance system are essentially considered. Taking into account the specifics of the social protection of military insurers, efforts are being made to find out the direction and improvement of relations with the civilian health care system. Only the proactive relationship between the

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Panchenko, Olena, Nataliia Kholiavko, and Mariia Kolotok. "NSURANCE LITERACY OF THE POPULATION AS A KEY CONDITION FOR THE DEVELOPMENT OF THE INSURANCE MARKET." Problems and prospects of economics and management, no. 4(28) (2021): 194–202. http://dx.doi.org/10.25140/2411-5215-2021-4(28)-194-202.

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In the conditions where economic entities are increasingly taking responsibility for personal security and financial well-being, special attention should be paid to improving financial literacy in insurance. The importance of improving insur-ance literacy of the population is also due to the need to raise the level of culture of all participants in insurance relations, which will ultimately increase the efficiency of the insurance institution and economy of the country. Therefore, increasinginsurance literacy of the population is one of the key objectives at the present stage of the insurance

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Ben, Rachid. "Impact of Financial Regulations on Insurance Company Profitability in Morocco." Journal of Statistics and Actuarial Research 8, no. 2 (2024): 21–31. http://dx.doi.org/10.47604/jsar.2759.

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Purpose: The aim of the study was to analyze the impact of financial regulations on insurance company profitability in Morocco. Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries. Findings: Financial regulations in Morocco exert a significant influ

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Zavora, Taina, and Maryna Peretiata. "Insurance Enterprise Financial Security: Evaluation and Providing Directions." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 2(73) (September 23, 2019): 6–11. http://dx.doi.org/10.26906/eir.2019.2(73).1620.

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The theoretical substantiation of concept explanation «insurer’s financial security» was done, which allowed common elements distinguishing and differences in the treatment of scientists. It is proposed to treat financial security as an insurance company's ability, as well as a condition that further requires its ability to analyze, evaluate, and providing directions determination. The factors influencing the insurance enterprise financial security and the set of measures for its providing are revealed.

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Zavora, Taina, and Maryna Peretiata. "Insurance Enterprise Financial Security: Evaluation and Providing Directions." Економіка і регіон/ Economics and region, no. 2(73) (September 23, 2019): 6–11. https://doi.org/10.26906/eip.2019.2(73).1620.

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The theoretical substantiation of concept explanation «insurer’s financial security» was done, which allowed common elements distinguishing and differences in the treatment of scientists. It is proposed to treat financial security as an insurance company's ability, as well as a condition that further requires its ability to analyze, evaluate, and providing directions determination. The factors influencing the insurance enterprise financial security and the set of measures for its providing are revealed.

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Abubakarova, Khadizhat M., Madina M. Abubakarova, and Rustam Kh Alimsultanov. "ANALYSIS OF THE INSTITUTIONAL AND LEGAL SUPPORT OF THE FINANCIAL STABILITY OF THE INSURANCE COMPANY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4/5, no. 145 (2024): 228–33. http://dx.doi.org/10.36871/ek.up.p.r.2024.04.05.030.

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this article is devoted to the analysis of the institutional and legal provision of financial stability of insurance companies operating in conditions of increased risks and threats to the external environment. As a result of a critical analysis of the institutional and legal foundations for ensuring financial stability as a promising solvency of resident insurers, in particular for their compliance with Solvency II, it was found that the institutional and legal provision of financial stability of insurers is currently at the stage of improvement, which is an important component of the Nationa

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Reddic, Willie Dion. "Correction to: Under pressure: investment behaviour of insurers under different financial and regulatory conditions." Geneva Papers on Risk and Insurance - Issues and Practice 46, no. 1 (2020): 21. http://dx.doi.org/10.1057/s41288-020-00184-5.

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Солохов, Т. Д. "The regulatory approach on assessment of the financial condition of the insurance company." Экономика и предпринимательство, no. 8(121) (July 26, 2020): 1226–29. http://dx.doi.org/10.34925/eip.2020.121.8.244.

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В статье представлены результаты исследования действующей российской практики по оценке страховых компаний. Проведен анализ современной российской правовой практики, в том числе нормативных актов Центрального Банка России, регулирующих требования к оценке финансового состояния страховой организации, а также проанализированы действующие нормативы (в том числе отраслевые показатели) по показателю маржи платежеспособности. Исследование основано на анализе правовых источников, данных рейтинговых агентств и анализе рынка страховых компаний и их надежности. This article shows the results of research

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LURVINK, KARIN. "The Insurance of Mass Murder: The Development of Slave Life Insurance Policies of Dutch Private Slave Ships, 1720–1780." Enterprise & Society 21, no. 1 (2019): 210–38. http://dx.doi.org/10.1017/eso.2019.33.

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Insurance on slaves, a financial spin-off effect of the slave trade, is not yet completely understood. This article investigates the development of the conditions of this kind of insurance in the Dutch Republic, Europe’s most important insurance sector before 1780. By analyzing various historical insurance documents from the period 1720–1780, it reveals that slave life insurance conditions became increasingly specific and standardized due to developments in general marine insurance and insurance debates on bloodily oppressed slave insurrections. This article shows how enslaved Africans indirec

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Savchenko, R. A. "Administrative liability of insurance companies for violations in the field of health insurance." Bulletin of Kharkiv National University of Internal Affairs 108, no. 1 (Part 1) (2025): 213–25. https://doi.org/10.32631/v.2025.1.17.

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The article is devoted to the study of the issue of administrative liability of insurance companies for violations in the field of health insurance. It is indicated that administrative liability of insurers in the field of health insurance is the establishment in a number of laws of Ukraine of a list of offences which may be committed in the course of provision of health insurance services, and also penalties for their commission. The conclusion is made that administrative liability of employees of insurance companies for violations in the field of health insurance means enshrining in the Code

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HUZELA, Iryna. "SCENARIOS MODELING OF INSURERS’ ACTIVITIES RESULTS TAXATION IN UKRAINE." WORLD OF FINANCE, no. 3(68) (2021): 101–14. http://dx.doi.org/10.35774/sf2021.03.101.

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Introduction. In the conditions of strengthening of insurance role in a modern society there is a growing necessity of realization of the balanced state policy in the field of tax regulation of the insurance market for maintenance and stimulation of its development. One of the main tasks is to form the optimal level of tax burden on Ukrainian insurers that will help to achieve a balance of interests of the state and all participants of the insurance relations. The purpose of the article to analyze the volume and structure of income tax of Ukrainian insurers, to identify the problems of tax reg

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Yudina, Svitlana V., Olena V. Lysa, and Tamara O. Gurzhiy. "The Theoretical and Methodological Approaches to Risk Analysis in Insurance and Reinsurance." Business Inform 4, no. 543 (2023): 142–49. http://dx.doi.org/10.32983/2222-4459-2023-4-142-149.

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The article is aimed at further development of theoretical and methodological approaches to risk reinsurance in order to provide financial sustainability of an insurance company. An approach to risk analysis in insurance and reinsurance is proposed. The introduction of the concepts of complete and partial uncertainty and their relationship with the concept of risk made it possible to closer define the concept of risk and formulate it in the form of a financial and economic category. The term «risk» is proposed to be understood as a subjective estimation of an objective uncertainty, which descr

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Bratiuk, Vira, Maria Petrychko, and Anatoly Polak. "ASSESSMENT OF THE STATE AND FINANCIAL PERFORMANCE OF THE UKRAINIAN INSURANCE MARKET." Innovation and Sustainability, no. 4 (December 28, 2023): 81–89. http://dx.doi.org/10.31649/ins.2023.4.81.89.

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The insurance market ensures the redistribution of risks in the economy, creates an environment favorable for the development of entrepreneurship, and reduces the level of risks in society. It is shown that the insurance market of Ukraine in 2022-2023, due to objective and subjective reasons (the COVID-19 pandemic, the "split" reform, and Russia's military aggression), went through the stages of crisis, adaptation, recovery, and development. The author analyzes the current state, financial indicators, and dynamics of the insurance market indicators in 2020-2023. The impact of the COVID-19 pand

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Lyra, Sven, and Arthur Dill. "Evaluation of German Life Insurers Based on Published Solvency and Financial Condition Reports An Alternative Model." International Journal of Innovation and Economic Development 10, no. 2 (2024): 7–21. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.102.2001.

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German life insurance companies were selected for a complete survey. Quantitative data relevant to the analysis was extracted from the individual Solvency and Financial Condition Reports reports and transferred to a systematic overview. To make the collected observations usable, they were transformed into various growth, profitability, and security ratios cited in the literature, thus enhancing comparability. The data transformed into ratios were presented in histograms with ten intervals each, and a score between one and ten was assigned depending on the ratio value. In addition, four qualita

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Makarenko, Evgeny A., and Dmitry A. Oleinik. "CREDIT RATINGS IN THE SYSTEM FOR ASSESSING THE QUALIFICATION OF THE EXECUTOR OF THE STATE CONTRACT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 8/3, no. 139 (2023): 123–28. http://dx.doi.org/10.36871/ek.up.p.r.2023.08.03.012.

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The article is devoted to the methodology of applying the credit rating of insurers used by customers in organizing competitive purchases in the framework of state, municipal and commercial purchases. Options for the effective use of rating options by customers are considered in detail with examples, negative aspects associated with the risks of a possible restriction of competition are noted. The author investigated the situation with the reassessment of the real financial condition of companies that are Russian subsidiaries of foreign insurers. The risks associated with interaction with fore

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Makarenko, Evgeny A. "REDUCING THE CUSTOMER’S RISKS WHEN FORMING THE INITIAL MAXIMUM CONTRACT PRICE." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/6, no. 141 (2023): 137–42. http://dx.doi.org/10.36871/ek.up.p.r.2023.12.06.018.

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The article is devoted to the methodology of applying the credit rating of insurers used by customers in organizing competitive purchases in the framework of state, municipal and commercial purchases. Options for the effective use of rating options by customers are considered in detail with examples, negative aspects associated with the risks of a possible restriction of competition are noted. The author investigated the situation with the reassessment of the real financial condition of companies that are Russian subsidiaries of foreign insurers. The risks associated with interaction with fore

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