Insurance being the most important element of risk optimization is the basis of investment activity. The author marks out risks of investors and buyers. As the article is mainly devoted to the insurance role, risks creating the necessary prerequisites for it are considered detailly paying special attention to the reasons bringing about instability on the real estate market connected with the risks appearing and therefore high importance of insurance role.

The article defines the place and role of insurance agent in insurance activity. The author draws attention to the necessity of thorough development of the theoretimethodological ground of the choice, placing and retraining of insurance specialists.

Research of interrelation is carried out clause between reinsurance and financial stability of the insurer. With the help of methods of the morphological and system analysis specification of these concepts is carried out and the methodical approach to definition of efficiency of operation of reinsurance from a position of maintenance of financial stability of the company is offered.

The factors influencing the development of non-proportional reinsurance in Ukraine are being analyzed which are the efficient tool for assuring the financial stability of an insurance company.

In this article the question of imperfection of operating method of extra charge of pensions is considered in the system of obligatory social pension security and the ways of decision of this problem are outlined

Perspectives of investment processes’ development in Ukrainian insurance business have been studied by the article. Dynamics and structure of investments in insurance have been analyzed. The article names advantages of investments in
insurance field and problems that interfere the development of investment activity and are not decided today.

The article addresses to the issue of potential conflict of interests between insurance broker, its principal (an insured) and an insurer. The author considers that an insurance broker can a potential source of asymmetric information for an insurer as well for insured. The paper dwells on insurance markets regulation in Ukraine, US and EU.

The directions of insurance market of Ukraine development in the conditions of transformation of its economy in the article are examined. The necessity increasing of efficiency functioning of domestic insurance market is determined.

The processes of the integration of the insurance companies and banks are investigated. The standards of cooperation of the banks and insurance companies are determined.

The problems of the formation, evolution and regulation of the insurance market of Ukraine are researched in the article. The conceptual framework of the Ukrainian insurance market functioning and regulation are theoretically reasoned. The necessity of the synthesis of the market, government and institutional regulation for providing an effective insurance market functioning is explained. The problems of the Ukrainian insurance market evolution and regulation are pointed out and the suggestions for their solving are formulated.