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List of publications on a keyword: «insurance»

  • Долгосрочное страхование жизни и формирование семейных капиталов

    Proceeding
    Strategies of Sustainable Development: Social, Law and External-economic Aspects
    Author:
    Marina V. Ilindeeva
    Work direction:
    Социально-экономические процессы в обществе
    Abstract:
    The article explores the motives of Russian citizens choosing long-term life insurance, reveals the importance of this tool in the process of accumulating family capital and ensuring the stability of future generations. Special attention is paid to the problems of the prevalence and demand for such contracts in modern Russia, and possible ways to increase interest in this financial mechanism are being considered. Recommendations are presented to improve the current situation, including government initiatives and modernization of the insurance products themselves.
    Keywords:
    motivation, pension provision, long-term life insurance, financial reserve, risk protection, economic potential of the family, inherited property
    Go 

  • Ethical and communicative norms of interaction in negotiations between an agent and a client in insurance

    Proceeding
    Strategies of Sustainable Development: Social, Law and External-economic Aspects
    Author:
    Marina V. Ilindeeva
    Work direction:
    Социально-экономические процессы в обществе
    Abstract:
    The article is devoted to the analysis of ethical and communicative norms as a fundamental element of interaction between an insurance agent and a client at the negotiation stage. It explores the critical problem of systemic trust deficit in the industry, which is rooted in the conflict between the agent's ethical obligations and their economic motivation. The article also examines current trends that influence the future of negotiation ethics.
    Keywords:
    client, insurance, negotiation ethics, ethical and communicative norms, insurance agent, and trust
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  • The role of confidential conversations in insurance and building relationships of mutual trust

    Proceeding
    Law, Economics and Management
    Author:
    Marina V. Ilindeeva
    Work direction:
    Социально-экономическое развитие общества
    Abstract:
    The article explores the role of a trust-building conversation between an insurer and a client in fostering mutual trust. The author demonstrates that a trust-building conversation is not just a soft skill, but a strategic tool for reducing information asymmetry, enhancing customer loyalty, and promoting business resilience. The article analyzes the issue of trust deficit through the lens of communication barriers, offers practical mechanisms for facilitating such conversations, and examines the potential for integrating them into the operational activities of insurers, taking into account the impact of digitalization and evolving consumer expectations.
    Keywords:
    empathy, communication, transparency, insurance, mutual trust, and consumer loyalty
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  • Развитие взаимодействия страхового сектора с другими финансовыми институтами

    Proceeding
    Law, Economics and Management
    Author:
    Marina V. Ilindeeva
    Work direction:
    Социально-экономическое развитие общества
    Abstract:
    This article explores the multifaceted interactions between the insurance sector, banking institutions, investment funds, and fintech companies, analyzing its role in strengthening the financial system and identifying barriers to effective integration. It addresses issues of information asymmetry, conflicts of interest, regulatory uncertainty, and technological incompatibility, and proposes mechanisms for overcoming them.
    Keywords:
    digitalization, Insurance sector, financial institutions, financial integration, systemic sustainability
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  • Development of voluntary health insurance in Russia: potential, functions and systemic barriers

    Proceeding
    Law, Economics and Management
    Author:
    Marina V. Ilindeeva
    Work direction:
    Социально-экономическое развитие общества
    Abstract:
    This article analyzes the functions of VHI, its role in the healthcare system, and key development challenges in the Russian Federation. The study identifies structural barriers: low purchasing power, lack of awareness, underdeveloped infrastructure, the lack of uniform standards for evaluating medical institutions, and regional disparities. It proposes ways to improve the VHI market through increased financial literacy, standardization of services, increased competition, and the development of evaluation methods for medical organizations.
    Keywords:
    regional development, social protection, voluntary health insurance (VHI), healthcare system, accessibility of medical care, insurance market
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  • The Problems of Applying the Theory of Ratio Decidendi in the Formation of the Legal Positions of the Constitutional Court of the Russian Federation on the Example of Decisions on Compulsory Pension Insurance

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Author:
    Andrei B. Ivaniuzhenko
    Work direction:
    Глава 9
    Abstract:
    The chapter considers the theory of ratio decidendi as a method of interpreting the law and decision-making in common law countries, borrowed by the Constitutional Court of the Russian Federation to develop legal positions set out in its Decisions. The author, considering numerous Decisions of the Constitutional Court of the Russian Federation, including in the field of pension protection of the population, concludes that this theory cannot be applied in the Russian legal system in the sense in which it is understood in common law countries. Quotations from the works of foreign specialists are made in the author's translation.
    Keywords:
    common law, precedent, ratio decidendi, obiter dictum, legal position, Constitutional court, pension insurance system, Roman law, dissenting opinion, cause and effect
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  • The usage of enabling technologies of industry 4.0: blockchain in the insurance sector

    Proceeding
    Socio-Economic Processes of Modern Society
    Author:
    Pavel V. Malyzhenkov
    Work direction:
    Вопросы социально-экономической эффективности предприятий
    Abstract:
    The growth in the number of online payments and transactions in financial markets is exacerbating problems of personal data safety and identity security, which increases the demand for data encryption technologies. While demanding safer and better financial services, not all users are willing to pay high transaction costs. Distributed ledger technology can reduce costs and also increase the reliability of any type of transaction. In the future, such technology can completely transform the financial sector and significantly reduce the role of intermediaries
    Keywords:
    blockchain, use of technology, Insurance sector, insurance
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  • Constitutional-legal and financial-legal prerequisites for the introduction of the concept of «Social Escalator» into Russian legislation on mandatory pension in-surance

    Book Chapter
    Economics and Law
    Author:
    Andrei B. Ivaniuzhenko
    Work direction:
    Глава 6
    Abstract:
    The chapter contains an analysis of certain properties of the Constitution of the Russian Federation as a normative legal act and the extension of these properties to the legislation on compulsory pension insurance. The author draws conclusions about the timelessness, stability and historicism of the Basic Law of Russia. The norms-principles contained in the Constitution allow assessing the sectoral legislation on mandatory pension insurance for its stability, durability and consistency. Analyzing problems of legislation on compulsory pension insurance, author concludes that optimal for development of these legal relations at obligatory non-contradiction of norm-principles fixed in Constitution will be introduction of "Social escalator" concept into legislation, substantiating continuity of insurance cycles.
    Keywords:
    pension insurance, Constitution, historicism, indefinite validity, pension formula, Social Fund, Social escalator, normative-legal act
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  • Vliianie faktora antropomorfizma v russkom fol'klore i proizvedeniiakh A.S.Pushkina na formirovanie pozitsii rossiian v pensionnykh pravootnosheniiakh

    Book Chapter
    Economics and Law
    Author:
    Andrei B. Ivaniuzhenko
    Work direction:
    Глава 1. Право
    Abstract:
    An attempt to study the cultural problems mediating the behavior of the parties in mandatory pension relations is made. The author draws conclusions about the relationship of the content of oral folk art works and fairy tales by A. Pushkin with the will of Russian citizens as a party of the relations on compulsory pension insurance.
    Keywords:
    folklore, social contract, pension insurance, commitment, tales, anthropomorphism, Pushkin's poetry
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  • Socio-economic aspects of accident and occupational disease insurance in the United States of America.

    Book Chapter
    Education and science: current trends No 2
    Authors:
    Galina V. Surkova, Daria D. Petrova, Aleksandr A. Razumov
    Work direction:
    Парадигмы современной науки
    Abstract:
    The economic and legal aspects of the organization of the American system of insurance against industrial accidents and occupational diseases in the United States of America are analyzed in the paper. The first part of the monograph presents a comprehensive overview of various methods of financing and ways to monitor insurance schemes, as well as the practical implementation of various approaches. The authors described various systems, disclosed the principles of evaluation, and methods for creating flexible schemes. The purpose of the second part of the review is to present the experience of markets with different systems and to show the impact of the rating system on the insurance compensation system for employees.
    Keywords:
    social insurance, occupational safety, occupational risk class, economic efficiency, occupational disease, working conditions, tariffs, occupational risks in the electric power industry, implementation stages, accident at work, occupational safety of workers, energy industry
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  • Pension insurance in Russia and in the modern world: trends and prospects.

    Book Chapter
    Education and science: current trends No 1
    Authors:
    Aleksandr A. Razumov, Dmitrij N. Ermakov, Galina V. Surkova
    Work direction:
    Парадигмы современной науки
    Abstract:
    The article analyzes the main aspects of economic efficiency of annuity assurance policy in Russia. The general trends in the development of pension systems in the countries of the West, the difference between Russia and the West in this aspect are revealed. The author offers to make the pension system of Russia more socially just and close to the ideas of the Constitution of the Russian Federation. The linkage of pension payments to the interest rate is seen as an ineffective and dangerous approach in modern Russian conditions to the organization of pension provision for the population, for which there is a negative Western experience. The purpose of this article is to designate the most suitable way for Russia to develop the pension reform within the framework of the review of the study of problems of increasing the efficiency of the pension system in Russia.
    Keywords:
    pension, state pension provision, pension reform in Russia, social and economic situation of the population in Russia, private pension insurance
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  • International experience in reducing losses of labor resources in the context of minimizing industrial conflicts.

    Article in Collection
    Economics and management: realias and prospects No 1
    Authors:
    Dmitrij N. Ermakov, Galina V. Surkova
    Work direction:
    Экономика труда, демография
    Abstract:
    The constitutions of many States set out the obligation of the government to guarantee a well-functioning and reliable system of protection against industrial injuries. Whether the government provides workers ' compensation insurance directly, or when it is delegated to a third party (special authorities or insurance companies), the government is still responsible for the operation of the system. The latter is of particular importance, since the settlement of claims for workers ' compensation insurance is of a long-term nature. An effective system of protection against industrial injuries and occupational diseases should be considered not only as a type of insurance but as an absolute need of the productive sector and as one of the foundations of social peace and economic stability.
    Keywords:
    social insurance, industrial accident, occupational safety, occupational diseases, occupational risk class, economic efficiency
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