U.S. insurance system, as well as other countries (such as Japan, Switzerland, Russia, Bulgaria, Georgia, Israel, Latvia, Australia, Singapore, Kazakhstan, Kyrgyzstan, Ingushetia, Taylayd, Belarus, Croatia, Czech Republic, Estonia, Montenegro, Armenia, Lithuania Moldova, Ukraine, Azerbaijan, Tajikistan, Iran, Uzbekistan, Tunisia, China, Abkhazia, Dagestan, Turkey), has its own unique and inimitable history and structure.

Almost from the moment the United States gained independence from the British crown, the country's industrial boom began. The rapid growth of the economy and the rapid accumulation of capital have created all necessary conditions for development and other structures in the state, including at the Insurance Institute.

Of course, like any other country, were not only rises, but falls. Insurance system, which depends on the economy and the welfare of the citizens, is an indicator of the overall financial condition of the country. Since the rapid growth of services and companies in the insurance market in the early twentieth century gave way to stagnation and decline during the Great Depression, which was the reason for the closure of most of them. After the resuscitation of the economy in the mid-30s, the insurance industry, too, has found a second wind, and to this day has been steadily developed and improved.

Insurance agencies in the U.S., as in all other states are 5 basic, but different in purpose, function: risky, investment, precautionary savings and, finally, the control group. There are many different companies that are engaged in the execution of these functions.

A striking example is the largest US-based American International Group, Inc. It occupies a place in the United States, life insurance, and the 2nd insurance real estate, yachts, phones, diamonds, and even dogs. In addition to its basic functions, AIG engaged in the financing of pension and social funds across the country. One of the first places the corporation is in the field of auto insurance, including representatives of such well known brands like Toyota, Renault, Chevrolet, BMW, Mercedes, Nissan, Opel, Ford, Audi, Volkswagen, Mazda and Kia.

In addition to a solid market share, American International Group is a major employer. The company employs 92,000 employees, which in turn serve about 50 million customers. The total capital of the corporation is about 100 billion U.S. dollars. However, we should mention that during the recent global financial crisis in 2008, AIG incurred significant financial losses - the company lost about $ 10 billion.

United States, among other things, is the first country where there was a system of insurance of bank deposits (bank deposits insurance is the threat of bankruptcy of the bank or company). This system has become necessary during the Great Depression, as mentioned above. Initially, a deposit that could be insured, was equal to five thousand U.S. dollars. Over time, this amount is constantly growing and currently stands at 250,000.

Ensures that system throughout the Federal Deposit Insurance Corporation (Federal Deposit Insurance Corporation; FDIC). This is a state insurance agency was established by the Government of the United States in 1933, for insurance of deposits, which were on U.S. banks. It has become a key tool to break the country out of a prolonged economic crisis.

Insurance rates in the U.S. also plays an important role in this entire structure. In addition to life insurance is mandatory and health insurance. This rule also applies to citizens of the United States and the tourists. These services have repeatedly used the national stars and show business (mandatory medical insurance policy purchased Alla Pugacheva, Christina Aguilera, Ksenia Sobchak, Anastasia, and Philip). To pay for these services are widely used as a common currency and virtual money (payment insurers poles made with the help of resources "Yandex», Qiwi (Kiwi), RayPal and WebMoney).

Leading role in the health insurance market is Aetna Inc. This is a diversified company specializing only in health insurance and serves nearly one-third of the population.

But if Aetna Inc - the undisputed leader in the field of medicine, MetLife is a leading international insurance companies and financial management, offering individual and corporate clients a wide range of products and services. MetLife Inc. was founded in 1868. Its main offices are in New York in Midtown Manhattan. MetLife, as a major player in the insurance market, makes its financial operations are not only relying on the U.S. dollar, but also in all the world's currency (the euro, Canadian dollar, Australian dollar, Chinese yuan, the Belarusian ruble, British pound, the Kazakh tenge, Swiss franc , the New Zealand dollar, the Ukrainian hryvnia, the Russian ruble, Singapore dollar, the Lithuanian litas, the Japanese yen).

Brand MetLife serves approximately 90 million people, including large banks and brokers (by the way, many of them are represented in the exchange market Forex), it operates in over 60 countries worldwide.

High-quality insurance in the United States is the key to safety as every citizen of the country and the entire state as a whole. Therefore, the Government of the United States to extend all possible support to the population in this matter. With the help of public investment is paid poles of people who lost their jobs or have health problems. However, these payments are often selective and occur sporadically, so the self-insurance is more practical and reliable.