MIRZOYEV SAYFULLO FAYZULLOYEVICH. CONCEPTUAL FOUNDATIONS FOR IMPROVING THE EFFICIENCY OF UNDERWRITING SERVICES IN INSURANCE ACTIVITIES. Innovation Science and Technology, Tashkent, Uzbekistan, v. 1, n. 4, p. 54–56, 2025. DOI: 10.5281/zenodo.17436661. Disponível em: https://ist-journal.uz/index.php/IST/article/view/111. Acesso em: 20 oct. 2026.