The article discusses how to protect consumers in the insurance market by focusing on actuarial valuation, insurance reserves, investment policies, solvency, and information transparency. It compares Italian and Russian practices and suggests ways to apply successful Italian strategies in Russia. The researchers used statistical data, regulatory documents, and analysis methods to explore these issues. Key findings include the importance of proper valuation of insurance obligations, forming reserves, and improving information about insurance. This study is valuable for insurance market participants, especially companies and analysts aiming to safeguard consumer rights.