TY JOUR TI INCREASING COMMERCIAL BANKING EFFECTIVENESS IN THE FIELD OF INDIVIDUALS’ INSURANCE KW nsurance of individuals KW insurance activities KW insurance services KW a commercial bank KW an insurance organization KW a customer-oriented model of retail banking business JO Bulletin of the Angarsk State Technical University AU Kozlova, K.A. AU Goryunova, Y.V. PY 2019 IS 1 PB Federal State Funded Educational Establishment of Higher Education «Angarsk State Technical University»