USING THE EXPERIENCE OF IMPLEMENTING LIFE INSURANCE IN DEVELOPED COUNTRIES UNDER THE DEVELOPMENT OF THE DIGITAL ECONOMY

This article highlights ways to use the experience of implementing life insurance in developed countries in the context of the development of the digital economy. Also, the distribution of assets of US life insurance companies and the growth dynamics of insurance premiums in the world and countries are analyzed. The level of development of the insurance market in any country is analyzed by the volume of insurance premiums from insurance policies sold in this country during one year. In developing countries, the volume of potential insured persons is large, and the increase in the quality of insurance services allows these subjects to be more involved in insurance. The dynamics of growth of insurance premiums in the world and in countries were analyzed. In addition, the dynamics of insurance premiums for life insurance products in Russia and the dynamics of accumulated life insurance premiums in Russia were comprehensively analyzed. In the context of the development of the digital economy, conclusions and proposals have been developed on the use of the experience of implementing life insurance in developed countries.