Operational risk issues in the insurance sector

marcelo-cruz-morgan-stanley-2010
Marcelo Cruz

Continuing my series of articles on the status of operational risk across the financial industries, this month I will be looking at the insurance industry. This sector can be broken down into three significantly different parts: life insurance, health insurance and property/casualty (P&C), known as general insurance in Europe.

Put very simply, life insurers charge a premium from individuals in exchange for providing a sum of money when they die. Life insurers also offer retirement and income

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