Directions for Developing the Introduction of New Insurance Services Into the Financial Market

The article examines the principal directions for introducing and expanding new insurance services in the financial market, with particular attention to the current development of the insurance sector of Uzbekistan. The study considers insurance innovation not merely as the creation of additional insurance products, but as a systemic process involving market segmentation, actuarial assessment, digital distribution, data-based underwriting, consumer protection and integration between insurance companies and other financial-market institutions. Official indicators of the insurance market of Uzbekistan for 2024–2025 are analysed to identify structural tendencies and potential areas for product diversification.