This article analyzes the current directions for modernizing the insurance services market and expanding its coverage. In the modern economic context, the insurance system is highlighted as an important tool for ensuring financial stability and mitigating risks. The study examines key factors such as the implementation of digital technologies, diversification of insurance products, improvement of the population’s insurance literacy, and state support. The results indicate that these measures contribute to expanding the market coverage and improving the quality of insurance services.

Market modernization, coverage, digital technologies

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