Issue Brief 2: Protracted low interest rates may place the life insurance industry's socio-economic role at risk

Submitted by brighton@edelman.com on

Life insurers assume risks that are more effectively borne by institutions than by individuals. Longevity and mortality risks provide diversification benefits when grouped together and they are much more predictable when pooled by insurers across large numbers. As institutional investors, life insurers play a key role in funding the real economy and the public sector. And like any other business, life insurance provides jobs for employees.

Issue Brief 1: How the life insurance industry is tackling a 'manageable headwind'

Submitted by brighton@edelman.com on

The role of life insurance in helping individuals achieve peace of mind and financial security is significant. In a low interest rate environment, insurers have an even bigger role to play as individuals may struggle to find investments with appropriate returns. Life insurance can provide investment performance in combination with a secure insurance guarantee and a death benefit for beneficiaries. However, the industry is not immune to low interest rates.

Low interest rates a complex but manageable headwind for life insurers

Submitted by admin on

Daniel Hofmann, Senior Advisor on Insurance Economics at The Geneva Association and principal author of the paper, "The 'Low for Long" Challenge,” discusses the societal impact of low interest rates, and the obstacles this raises for the life insurance industry.

Read the full report: The 'Low for Long' Challenge: Socio-economic implications and the life insurance industry's response

Reduced guarantees on retirement products could become a societal issue

Submitted by admin on

Anna Maria D'Hulster, Secretary General of The Geneva Association, discusses the implications of prolonged low interest rates and the key findings of the new report, "The 'Low for Long' Challenge: Socio-economic implications and the life insurance industry's response'.

Read the full report: The 'Low for Long' Challenge: Socio-economic implications and the life insurance industry's response

The 'Low for Long' Challenge: Socio-economic implications and the life insurance industry's response

Submitted by brighton@edelman.com on

Could prolonged low interest rates jeopardise the unique socio-economic role of the life insurance industry in delivering retirement solutions and funding the economy? Our report explores how life insurers are responding to this challenge.

Issue Brief 1: How the life insurance industry is tackling a 'manageable headwind'

Risk Assessment Guidelines to Support Governments' Risk Financing and Transfer

Submitted by admin on

The Geneva Association, the leading international think tank of the insurance industry, has published in collaboration with the Insurance Development Forum (IDF) the paper Guidelines for Risk Assessment to Support Sovereign Risk Financing and Risk Transfer, which provide governments with a framework for conducting the risk assessment underpinning national risk transfer programmes.

Governments must understand & quantify financial impacts of extreme events - Maryam Golnaraghi

Submitted by admin on

Dr Maryam Golnaraghi, Director of Extreme Events and Climate Risk, discusses the new risk assessment guidelines for sovereign risk financing and transfer. Developed in collaboration with the Insurance Development Forum (IDF) on behalf of the United Nations Office for Disaster Risk Reduction (UNISDR).

Policyholders no longer rely on insurers for data about their risk - Matt Stack

Submitted by admin on

Matt Stack, Founder and Managing Director, XLP Capital, discusses the challenges and opportunities presented by big data. Recorded at the 11th Chief Investment Officers Meeting at Lloyd's of London.

Watch all video interviews recorded at the 11th Chief Investment Officers Meeting on our YouTube channel.

Subscribe to

Receive our updates straight to your inbox

Subscribe