The relevance of the conducted research is due to the modern demographic changes of the last decades, as well as migration processes and challenges caused by the state of war in Ukraine. Demographic processes directly affect such important socio-economic indicators as the number of employees, the unemployment rate, the number of pensioners and persons in need of state social assistance, the amount of taxes and fees paid to the state budget, and, accordingly, the monetary amount of social assistance and pensions to citizens who they need it.

The purpose of the article is a Civil Law analysis of the sphere of life insurance and pension system due to the impact of the demographic crisis and migration associated with the state of war in Ukraine.

Within the framework of the article, the demographic situation in Ukraine over the past three decades is analyzed, the negative trends of the decrease in the number of the population of the state as a whole, and the number of persons of working age in particular, are pointed out; social, economic, everyday reasons affecting the state of demography, as well as the influence of mortality rates among the working population on the problem under consideration are given. The negative influence of the state of war on the number of citizens of the state and the associated migration processes is substantiated.

The author has studied in detail the state and problems of the current system of state pension system and given arguments for the introduction of non-state pension system through the life insurance. Based on the norms of the current legislation, the advantages of the voluntary savings system as an element of non-state pension system with the help of a long-term life insurance and pension contract are clarified.

Within the scope of the article, considerable attention is paid to forecasts of the future development of post-war Ukraine and prospects for reforming the sphere of life insurance and pension system.

It was concluded that it is necessary to borrow positive world experience in the field of life insurance and pension system as a reliable tool for securing one’s future and a type of social protection, which is the driving force for the formation of the latest insurance culture in Ukrainian society.

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