Increased new business margin drives embedded value to three-year high


Embedded value of European insurers hit a three-year high in the first half of the year on the back of increased margins on new business and better than expected investment returns.

The total embedded value (EV) of the firms analysed increased 5.5% in the first six months of 2013 to £116 billion up from £110 billion at the end of 2012, a study by actuarial consultancy Milliman found.

Embedded value, a measure of value used to assess the existing business of life insurers, reached the highest

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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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