Insurers embrace risk systems

Insurance companies face a number of risks, some of which they share with banks, others of which are unique to their industry. On the asset side, there are market, credit and liquidity risks. On the liabilities side, there are the risks associated with underwriting and ensuring premium income is adequate to meet claims. There is credit risk associated with reinsurance. There is the risk of a mismatch of assets and liabilities. And there is operational risk, which is often overlooked, but

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