Investment Life Insurance in a Modern Economy

Investment life insurance in a modern economy. The development of the Russian insurance market in modern market conditions involves the introduction of new insurance products. As such an innovative product can be considered investment life insurance, which includes elements of investment and insurance. At the same time, investment life insurance, having a high yield potential, enticing consumers into long-term investment programs in investment funds, does not contain the conditions for guaranteeing the preservation of funds. Thus, on the one hand, investment life insurance provides the opportunity to receive investment income without loss, as is possible when buying a similar investment instrument of mutual funds. And this ensures its attractiveness as a financial product. On the other hand, there are certain problems associated with insufficient practice in the Russian investment insurance market. The present research is dedicated to this problem, the purpose of which is to study investment life insurance in the modern economy. As a research methodology, we have chosen methods for collecting and systematizing data, factor and comparative analyzes, analytical modeling, synthesis of modern scientific methods of understanding social and economic phenomena and processes . Premiums and payments of insurers were considered as effective indicators of the Russian market for investment life insurance. Keywords: investment insurance market, insurance activities, premiums and payments of insurers.