MainAuthors Viktor A. Gorbach Director of the Legal Department Renaissance Life Insurance Company Limited; Moscow , ; Russian Federation ARTICLES: Transformation of the Life Insurance Contract in the Context of the Development of "Pay-as-You-Live" (PAYL) Models Gaps in Russian Legislation — Issue №3 2026: 43-50 InsurTech Market as an Innovative Driver in the Insurance Industry Economic Problems and Legal Practice — Issue №3 2026: 80-87