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The article is concerned with developing a model of the effective management of reserve capital of an endowment insurance company or so-called endowment life insurance. Such companies are powerful actors at the international market, operate with considerable capital and are effective as active investors in different areas. The main features of functioning of endowment insurance companies, as well as the factors that guarantee the sustainable development of insurance companies in both the globaldoaj:77b051427efa45b88df1aa25e3dcb3dc fatcat:h6s5wsr4tngptf63fpn74ivcja