US focus: Pressure mounts over US life reserves

Pressure mounts over US life reserves


How much capital an insurer should hold in reserve to cover its liabilities is always a potential point of contention between regulators and insurers. Regulators would err on the side of more than enough, while insurers favour enough and no more.

The fallout from the financial crisis has exacerbated the conflict in the US, where a row over the rules of reserving for certain life products has brought regulators, who are under pressure to demonstrate a firm line on solvency, up against insurers

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The future of life insurance

As the world constantly evolves and changes, so too does the life insurance industry, which is preparing for a multitude of challenges, particularly in three areas: interest rates, regulatory mandates and technology (software, underwriting tools and…

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