THE IMPORTANCE AND PROBLEMS OF INSURANCE SERVICE RATES IN INSURANCE RELATIONS

This article examines the economic essence of the tariff rate in insurance, its role and significance in the insurance system. The principles of forming the tariff rate, its main structure and components are analyzed in detail. The concepts of net rate and gross rate, their differences and role in calculating the insurance premium are also explained. The article considers the influence of risk level, statistical data, and financial stability factors on the formation of insurance tariff policy. The study identifies the importance of the insurance tariff rate in the activities of insurance companies.