Low premiums in Uzbekistan and emerging markets such as India and China indicate that policies are designed to be affordable for a wider segment of the population. However, low premiums also indicate that policies may offer limited coverage, suggesting a need for more diversified and more expensive products in Uzbekistan. The projected growth rate of the Uzbekistan market of 12 percent indicates strong future potential due to ongoing financial reforms, increased awareness and digitization of financial services. India (15%) and China (10%) show higher growth prospects due to their large, fast-growing middle classes and government initiatives to promote financial inclusion. Despite starting from a low base, the Uzbekistan market is expected to expand strongly in the coming years as more people adopt life insurance products.