ANALYSIS OF THE INVESTMENT ACTIVITIES OF INSURANCE COMPANIES

Authors

  • Eldor Nozimov Samarkand Institute of Economics and Service Senior Lecturer, Department of "Investment and Innovations"

DOI:

https://doi.org/10.55640/

Keywords:

Insurance companies; investment activity; investment portfolio; financial stability; risk management; asset allocation; regulatory framework; profitability; financial markets.

Abstract

This article examines the investment activities of insurance companies and evaluates their role in enhancing financial stability, profitability, and long-term sustainability. The study analyzes the structure of insurance investment portfolios, risk management practices, and regulatory requirements that influence investment decisions. Particular attention is given to the allocation of assets across financial instruments such as government securities, corporate bonds, equities, and real estate. The analysis also explores the relationship between investment performance and the overall efficiency of insurance operations. Based on comparative insights and empirical findings, the paper identifies key challenges—including market volatility, regulatory constraints, and low-yield environments—and proposes recommendations to improve the investment strategies of insurance companies.

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References

1.Merton, R. C. (1971). "Optimum Consumption and Portfolio Rules in a Continuous-Time Model." Journal of Economic Theory, 3(4), 373–413.

2.Sharpe, W. F. (1964). "Capital Asset Prices: A Theory of Market Equilibrium under Conditions of Risk." The Journal of Finance, 19(3), 425–442.

3.Cummins, J. D., & Phillips, R. D. (2009). The Economics of Insurance. Risk Books.

4.Kong, W., Leung, C., & Wong, C. (2019). "Investment Strategy of Insurance Companies under Market Volatility." Journal of Risk Finance, 20(2), 123–140.

5.Outreville, J. F. (2013). Theory and Practice of Insurance. Springer.

6.European Insurance and Occupational Pensions Authority (EIOPA) (2022). Solvency II: Supervisory Practices and Investment Guidelines. EIOPA Publications.

7.Swiss Re (2021). Sigma Report: World Insurance – Investment and Market Trends. Swiss Re Institute.

8.International Association of Insurance Supervisors (IAIS) (2020). Insurance Investment Practices and Guidelines. IAIS Publications.

9.Fabozzi, F. J. (2016). Bond Markets, Analysis and Strategies. Pearson.

10.OECD (2022). Insurance and Financial Market Trends. OECD Publishing.

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Published

2026-03-13

Issue

Vol. 5 No. 03 (2026): Journal of Multidisciplinary Sciences and Innovations

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.

How to Cite

ANALYSIS OF THE INVESTMENT ACTIVITIES OF INSURANCE COMPANIES. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(03), 687-690. https://doi.org/10.55640/

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