Solvency II could alter product mix of US subsidiaries of European insurers

Solvency II could alter product mix of US subsidiaries of European insurers


The heavy capital penalties imposed by Solvency II for spread-based products and those with heavy guarantees are likely to see a further retrenchment from these products in the US by the American arms of European firms, according to a report by rating agency Moody’s.

The US subsidiaries of Netherlands’-based insurers Aegon and ING have already decreased their exposure, or derisked their approach to these products following a series of problems during the financial crisis.

However, Moody’s argues

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