Tashkent institute of finance

$115	$137.1	$145.1	$151	$143.1
-5.3%
Annuity premiums and deposits	318.5	287.2	269.7	339.8	294.6	-13.3
Accident and health premiums	162.8	169.3	183.1	185	184.7	-0.2
Credit life and credit accident and health premiums	1.3	1.3	1.3	1.4	1.2	-16.3
Other premiums and considerations	2.2	2.1	4	(2)	(2)	(2)
Total premiums, consideration and deposits	$599.9	$597.1	$603.2	$679.4	$625.7	-7.9%
Net investment income	173	182.3	187.4	186.7	186	-0.4
Reinsurance allowance	-17	-25.1	32	-29.7	-22.8	-23.2
Separate accounts revenue	34.7	36.6	37.3	36.8	37.4	1.6
Other income	61.3	49.2	44	48.7	55	12.8
Total revenue	$851.9	$839.9	$903.9	$921.9	$881.2	-4.4%
Expense
Benefits	271.4	281.4	289.5	301.8	314.2	4.1
Surrenders	265.1	308.9	350.3	339.6	323.4	-4.8
Increase in reserves	133.1	106.4	143.3	120.6	109.8	-8.9
Transfers to separate accounts	-38	-65.8	-89.6	-72	-69.2	-3.9
Commissions	64.6	58	58.3	61.2	60.1	-1.8
General and administrative expenses	62.4	65.9	65.9	67.8	67	-1.2
Insurance taxes, licenses and fees	10.8	8.8	10.7	9.3	11.5	23.8
Other expenses	-2.7	-4.1	11.3	14.4	8.4	-41.8
Total expenses	$766.6	$759.4	$839.7	$842.8	$825.2	-2.1%
Net income
Policyholder dividends	18.2	17.5	18.2	18.1	18	-0.5
Net gain from operations before federal income tax	67.1	63	46	61	38	-37.7
Federal income tax	16.3	12.4	3.4	9.4	5.1	-45.6
Net income before capital gains	$50.8	$50.6	$42.6	$51.6	$32.9	-36.2%
Net realized capital gains (losses)	-11.4	-8.6	-4.7	-6.9	-10.7	56.6
Net income	$39.4	$42.1	$37.9	$44.7	$22.1	-50.5%
Pre-tax operating income	67.1	63	46	61	-38	-37.7
Capital and surplus, end of year	380.7	395	399.9	421.7	440	4.3

From this table we can see and analyze increasing or decreasing the amount of life insurance premiums. There are several types of sources of insurance companies’ revenues. Futhermore, we can distinguish difference and balance between revenue and expenses. For instance, the most share of “Total premiums, consideration and deposits” is belonged to 2019 year and the least is 2017 and etc.

Employment In Insurance, 2012-2021

	Insurance carriers				Insurance agencies, brokerages and related services
	Direct insurance (1)
Year	Life and health	Property/ casualty	Reinsures	Total	Insurance agencies and brokerages	Other Insurance- Related Activities(3)	Total	Total industry
2021	911.4	628.6	26.9	1566.9	881.5	353.2	1234.6	2801.5
2020	945.6	653.9	27.6	1627.1	856.5	352.3	1208.8	2835.9
2019	931.2	650.3	28.6	1610.1	842.8	349.5	1192.2	2802.3
2018	882.8	629.5	28.6	1540.9	825.6	346.2	1171.8	2712.7
2017	850.4	639.7	26.6	1516.7	809.6	333.3	1142.9	2659.6
2016	818.9	643.5	25.3	1487.7	783.5	321.5	1105	2592.7
2015	829.8	611.6	25.1	1466.5	762.8	309.1	1071.8	2538.3
2014	829	594.7	25.1	1448.7	720	297.1	1071.1	2465.8
2013	813.2	593.7	26.2	1433.1	672.3	283.5	955.8	2388.9
2012	811.3	599.5	25.7	1436.4	659.6	272.2	931.8	2368.3

It is understandable from this table that there is employmet in insurance. The amount of “Life and health” type of insurance is more than “Property/casualty”. The most quantity is correspond to 2020 in “Life and health” type of insurance and the least is 2012. In the other hand the most part of “Property/casualty” type of insurance is also 2020 and the least one is 2013.

CONCLUSION
The future looks promising for the life insurance industry with several changes in regulatory framework which will lead to further change in the way the industry conducts its business and engages with its customers.
Life insurance industry in the country is expected to increase by 14-15% annually for the next three to five years.
The scope of IoT in Indian insurance market continues to go beyond telematics and customer risk assessment. Currently, there are 110+ InsurTech start-ups operating in India.
Demographic factors such as growing middle class, young insurable population and growing awareness of the need for protection and retirement planning will support the growth of Indian life insurance.
Balance of payment
INTRODUCTION
The balance of payments (BOP), also known as the balance of international payments, is a statement of all transactions made between entities in one country and the rest of the world over a defined period, such as a quarter or a year. It summarizes all transactions that a country's individuals, companies, and government bodies complete with individuals, companies, and government bodies outside the country. The balance of payments (BOP) transactions consist of imports and exports of goods, services, and capital, as well as transfer payments, such as foreign aid and remittances. A country's balance of payments and its net international investment position together constitute its international accounts.
MAIN PART
Key Features of India’s BoP in Q1:2021-22
• India’s current account balance recorded a surplus of US$ 6.5 billion (0.9 per cent of GDP) in Q1:2021-22 as against a deficit of US$ 8.1 billion (1.0 per cent of GDP) in Q4:2020-21 and a surplus of US$ 19.1 billion (3.7 per cent of GDP) a year ago [i.e. Q1:2020-21].
• The surplus in the current account in Q1:2021-22 was primarily on account of contraction in the trade deficit to US$ 30.7 billion from US$ 41.7 billion in the preceding quarter, and an increase in net services receipts.
• Net services receipts increased, both sequentially and on a year-on-year (y-oy) basis, on the back of robust performance of net exports of computer and business services.
• Private transfer receipts, mainly representing remittances by Indians employed overseas, amounted to US$ 20.9 billion, an increase of 14.8 per cent from their level a year ago.
• Net outgo from the primary income account, mainly reflecting net overseas investment income payments, decreased sequentially as well as on a y-o-y basis.
• In the financial account, net foreign direct investment recorded inflow of US$ 11.9 billion as against outflow of US$ 0.5 billion in Q1:2020-21.
• Net foreign portfolio investment was US$ 0.4 billion as compared with US$ 0.6 billion in Q1:2020-21.
• Net external commercial borrowings to India recorded inflow of US$ 0.5 billion in Q1:2021-22 as against an outflow of US$ 0.6 billion a year ago.
• Net inflow on account of non-resident deposits decreased to US$ 2.5 billion from US$ 3.0 billion in Q1:2020-21.
• There was an accretion of US$ 31.9 billion to the foreign exchange reserves (on a BoP basis) as compared with that of US$ 19.8 billion in Q1:2020-21