Of capital concern

European Insurance

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Ensuring that sufficient capital is available to cover policyholder liabilities is the number one concern for insurance regulators - the decline and fall of Equitable Life in the UK, Executive Life in the US and Mannheimer Insurance in Germany starkly illustrates what happens when this is not done.

But for senior executives at insurance companies, the challenge is more akin to that faced by Goldilocks in the children's fairy tale. Too little available capital, and they must endure questions from

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