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The relevance of the study of the insurance market is associated with the strengthening of its role in increasing the level of social protection of the population, increasing the volume of investments in the development of the state economy, as well as exempting the state budget from additional costs for reimbursing losses from unforeseen events. Without insurance market development, it is impossible to ensure the safety of the socio-economic development of the state, the continuity of the functioning of business actors, improving the population welfare and many other guarantees that compensate for the effects of the current risks of environment. The aim of the work is to determine the features of the development of the insurance market in Russia, as well as to identify problems and prospects of its functioning in order to increase the level of social protection of the population. We use modern general scientific and special research methods, including deduction, induction, analysis, synthesis, abstraction, generalization, system analysis, comparison. Currently, the Russian insurance market actively reformed in accordance development strategy; however, due to the crisis processes in the economy, the full implementation of measures is somewhat difficult. The conjuncture of the insurance market is quite sensitive to fluctuations of economy; therefore, in the future its development will depend on economic and political factors, external and internal threats. Many problems solution depends on the use of modern insurance technologies (InsurTech), which combine traditional insurance methods and IT innovations. New approaches require preliminary pilot implementation with subsequent scaling, and legal regulation, the development of digital law in Russia.

Increasing the Level of Social Protection of the Population: The Development Features of the Insurance Market of the Russian Federation