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SUMMARY
Final qualification work is called on the subject "Ways of Optimization of Marketing Activity in System of Insurance" and consists of introduction, two heads, conclusions and offers, the list of the used literature. In introduction the purpose, tasks, structure of research is opened relevance.

It is necessary to understand activities for protection of property interests of citizens, the enterprises, establishments and organizations at approach of certain events (insured events) at the expense of the monetary funds formed of the insurance premiums (insurance premiums) paid by them as insurance activity.

At the expense of these funds indemnification and payment of the insured sums to the persons participating in insurance at a loss occurrence is carried out. Thus, in insurance activity it is possible to allocate activities for creation of insurance funds and directly protection of the rights of the persons interested in insurance.

Insurers seek for receiving monetary compensation of the damage caused to property or the personality as a result of casual circumstances, and the amount of this compensation has to be as it is possible above and in any case, it is more than a sum of the paid insurance premium. Insurance payment sometimes acts for the insurer as the only way of a covering of losses.

In an implementation form insurance is divided on voluntary and obligatory. The basis of emergence of the obligation for voluntary insurance is only will of the parties — participants of the relation. At obligatory insurance to the insurer the law assigns a duty in certain cases to become the participant of the insurance obligation, to insure life, health, property of other persons or the civil liability before other persons on own account or at the expense of interested persons. Conditions of implementation of obligatory insurance which non-execution attracts property responsibility of the insurer are established by the law.

Obligatory insurance is carried out on the basis of the contract. The exception makes a kind of obligatory insurance — the state obligatory insurance which is carried out at the expense of budget funds. Object of obligatory state insurance is life, health and property of certain categories of civil officers.

Insurance is carried out on the basis of the contracts of property or personal insurance signed by the citizen or the legal entity (insurer) with insurance company (insurer). Insurance on the basis of contracts is voluntary insurance. And the contract of voluntary personal insurance is the public contract.

By the general rule for all contracts of insurance the written form is obligatory. Non-compliance with a written form of the contract of insurance attracts its invalidity from the moment of the conclusion. Such contract does not generate the rights and duties. Each of the parties of the invalid transaction is obliged to return to other party everything received according to such transaction.

Activity of businessmen constantly is exposed to various risks.

Possible emergency situations, elemental disasters, thefts of property of the businessman can cause it loss of property. It will help to fill such losses to the businessman insurance.

Insurance - the necessary element of relations of production connected with compensation of material losses in the course of a social production.

According to the Law of the Republic of Uzbekistan "About insurance activity", "insurance is protection of interests of legal or natural persons by payment to it according to the contract of insurance of insurance compensation (insured sum) at the expense of the monetary funds formed of the insurance premiums paid by them at approach of a certain event (insured event)".

The purpose of insurance is ensuring insurance protection of citizens, the enterprises and establishments from insurance risks in the form of the full or partial recovery of damage and losses caused by elemental disasters, emergencies in various areas of human activity, and also payment to citizens of sums of money at approach of insurance events.

The system of insurance in Uzbekistan consists of voluntary and obligatory insurance. Obligatory state insurance is provided with government bodies, and voluntary – insurance companies of various forms of ownership.

Insurance – one of the most dynamically developing spheres of domestic business. In Uzbekistan 21 insurance companies which render about 260 types of insurance services work.

The insurance event is any event, irrespective of its emotional coloring which can lead to material inputs or losses. The probability of approach of such event is called as insurance risk. It is accepted to call undesirable result of its approach damage.

Risk – the integral component of an entrepreneurial activity. After all in business the probability of losses is also real, as well as opportunity to get profit.

All risks which the economic entity can face, can be shared into four primary groups:

1. Loss of property (because of destruction or plunder of both material, and intangible assets);

2. Loss of the income (because of reduction of receipts or increase in expenses owing to any case);

3. Legal responsibility before other persons, including employees of the company;

4. Loss of the leading employees of the company (because of accident, an illness or death).

List of the main insurance companies of the Republic of Uzbekistan

1. National company of export-import insurance "Uzbekinvest"

2. state joint-stock insurance company "Uzagrosugurta"

3. State insurance company "Kafolat"

4. Insurance agency "Madad" Tashkent, U. Nasyr St.,

5. SSK "UZAIG" Tashkent, Turab Toole St., 1 120-67-45

6. SSK "Universal sug'urta" Tashkent, Temur St.

7. MOSCOW TIME "Ishonch" Tashkent,

8. SSK "Transinshuerans" Tashkent, Buz St. Bozor, 21

9. ASK "AZhSK" Tashkent,

10. ALREADY "Parvina of a sugurt" Samarkand,

11. UNIPOLIS insurance company

12. Insurance agency "Temir of a yullara"

13. DPSK "UZTINSHURANS" Tashkent,

14. Group of Insurance of ARC joint stock company

15. trakhovy company "Toshkent Sugurta" Tashkent,

16. Insurance company

"ASKO-East"

17. SSK "ALSKOM" Tashkent, A. Temur St., 24 132-07-15

18. SSK "ALFA-INVEST" Tashkent, Buyuk Turon St.,

19. Insurance company

"O’zbekinvest Hayol"

Insurance payments in the market of insurance services of the republic in comparison with other CIS countries, and also the countries with the developed insurance market, remain at a low level that does the domestic market of insurance services attractive to investments.

As it is provided in the resolution, insurance premiums on insurance of property and life are not assessed with a tax. It promotes increase of interest of the population in insurance and creates good prerequisites for development of insurance culture.

According to the resolution the provision on professional participants of the insurance market is approved. In it their rights and duties, in particular adjuster, actuaries, surveyors and assistance are accurately defined. These experts take part in various stages of process of rendering insurance services and provide its complexity and quality.

For example, if the adjuster renders services in definition of the reasons, the size of a loss and to its settlement at emergence of insured event, assistance provides the emergency and timely help to the insured person which property suffered damage or to which health harm owing to insured event is done.

Today the increase in capitalization of insurers is important. Last year the cumulative size of authorized capitals of insurance companies made 17,3 billion sum and 66,8 million US dollars. Measures for increase in the minimum size of authorized capital of insurance companies are provided in the resolution of the President. In this direction work on increase as the companies of the authorized capitals and their reduction in compliance to new requirements is already actively conducted. In chapter 2 of final qualification work questions of management of institutes of insurance activity of Uzbekistan, improvement of the organization of marketing activity in insurance companies are considered

The market of insurance actively grows in Uzbekistan. High rates of economic development which are shown by national economy in recent years, and also activity of the state and government became the main source of growth of insurance sector.

In the field of expansion of volumes, a range and improvement of quality of the rendered insurance services is provided to introduce uniform requirements of providing insurance services for the sphere of business, to increase number of regional insurance divisions, especially in the rural zone, to develop and introduce a number of new complex products in the sphere of insurance of an entrepreneurial activity, import and export operations, long-term life insurance, including accumulative types of insurance.

Proceeding from high potential of the market, many insurers can think of bringing to requirements of the sizes of an authorized capital and branch network that will become additional incentive to activation of issue activities of insurance companies for a share issue and, perhaps, bonds for attraction of the additional resources necessary for opening of new branches and the organization of work with clients.

Lower growth rates of branch in comparison with listed above easily are explained by insufficient prevalence and popularity of services of insurance at the population of the country, and this segment always was the most profitable and fast-growing in the world markets. Development of sector of retail insurance in Uzbekistan should be expected in the next years, and, therefore, and higher growth rates "not far off". At the moment the most part of insurance premiums are the share of the large companies, insuring the expensive property, the equipment, export goods which are en route and warehousing and ets.. To number such, it is possible to carry SAC "Uzbekiston Havo Yullari", GAZhK "Uzbekiston Temir Yullari", Almalyk MMC, MMC of Navoiy , NHK "Uzbekneftegaz", the textile and cotton industry enterprises ets.

Considerable capacity of the market consists in low penetration of this type of service among legal entities and, more, the population. Besides some types of obligatory insurance, it is rather widespread life insurance and health, however, the specialized companies on various branches of economy (agricultural industry, international transport, railway transport etc.) are engaged in it.

It should be noted that this sector is very attractive to the foreign companies because of the high capacity of insurance branch in the country, the low level of a zastrakhovannost of such categories, as responsibility before the third parties, financial risks, car insurance, etc. Besides, also considerable equity stakes of large insurers – 34,6% of stocks GASK of "Uzagrosugurt" - the second-large insurance company in the country are offered. The authorized capital of the company makes about 2 mln. dollars of the USA.

Among examples of implementation of equity stakes of the companies of insurance sector of foreign investors it is possible to note placement of 8% of stocks of Kapital Sugurta insurance company among foreign investment funds.

As the exclusive agent on placement of this equity stake the investment and consulting company Avesta Investment Group acted.

In conclusion of final qualification work the main conclusions of marketing activity are given in system of insurance, and also offers on its improvement are given.

In work scientific and academic literature of domestic and foreign scientists - economists is used

.

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