STRATEGIC METHODS FOR ENSURING FINANCIAL STABILITY IN INSURANCE COMPANIES

Financial stability is a cornerstone for the sustainability and competitiveness of insurance companies. Ensuring stability requires effective risk management, prudent investment, capital adequacy, and operational efficiency. This study examines strategic methods used by insurance companies in Uzbekistan to maintain financial stability, focusing on capital management, reinsurance, liquidity management, solvency monitoring, and risk mitigation strategies. Using case studies, regulatory analysis, and comparative international practices, the research identifies key success factors and challenges in implementing financial stability measures. Findings indicate that integrating strategic planning, risk assessment, and robust governance mechanisms enhances resilience, profitability, and market confidence. The study concludes that continuous monitoring, regulatory compliance, and strategic financial management are essential for sustaining the financial stability of insurance companies.