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Snopok V.V. Innovative development of insurance companies’ services in the modern life insurance market // Экономика и безопасность. — 2025, №11. — URL: https://voenvestnik.ru/PDF/5ES1125.pdf

Innovative development of insurance companies’ services in the modern life insurance market

Snopok Vladislav Vyacheslavovich
Candidate of Economic Sciences,
Master of business administration, Operating director LLC “ Kapital Life Insurance”
Participant of Graduate School of Corporate Management RANEPA
Moscow, Russia

Abstract. This article examines the importance and relevance of the development of innovations in the improving the quality of customer service in the life insurance. The key directions of innovative development and advantages of such an approach are analyzed. The article reveals the necessity and value of introducing the newest digital technologies in the insurance and describes the advantages such as increasing the insurer’s income, improving the efficiency of the business process, attracting new customers and increasing the loyalty of the existing customers. The main idea of the article is that insurance companies, striving for development, should actively master new technologies and create so-called ecosystems that will allow them to offer customers not only standard insurance products, but also advanced services related to health and well-being.In general, the article highlights the importance of digital innovations for the further development of the life insurance market and emphasizes that companies that successfully implement them will be more competitive, which will allow them to attract new customers and retain existing ones.
Keywords: life insurance, innovations, e-service, digitalization.

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