The article states that under modern conditions of general instability, economic agents have to review the business development strategy, to look for new methods of risk management and means of strengthening competitiveness in the market. In addition, there is an objective need to develop new channels of income extraction. In this regard, businessmen come to understanding that integration is a strategic and the most reasonable way of overcoming the existing difficulties. The authors emphasize that a symbiosis of banks and insurers is based on the principle of reciprocity. In the financial sphere, this system of symbionts allows each partner to derive benefit through more effective resource sharing. The dependence and domination of agents in the financial sphere may change over time. The market of bank insurance unites the partner-client form of relationships of banks and insurers. The concentration of capital in the financial market and competition strengthening force financial agents to adapt to the changing economic conditions, to look for new sales markets and ways of cooperation, and to increase efficiency and profitability of their activity. In the event of the most advanced stage of integration, a financial supermarket is created, which simultaneously offers various financial services under a single brand. The financial supermarket is formed by merging legal, territorial, organizational, marketing and technological components, i.e. all 5 possible forms of integration of banks and insurance companies are used. The modern financial supermarket is an organization, in which any person or legal entity can quickly receive a full range of high-quality financial services. It is a separate sales channel, and it does not represent a bank's or an insurance company's branch. Besides, the financial supermarket usually offers not only the services of insurance companies and banks, but also other financial services (investment, consulting, etc.). Such an approach is a picture of a customer-oriented model of company business. An effectively organized financial supermarket leads to a number of important advantages.
Keywords: bank assurance, symbiosis, reciprocity, insurance protection, credit risk
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