Life Insurance
LIFE INSURANCE, FINANCIAL GUARANTEES AND HEDGING
CONSIDERATIONS
1. What new product opportunities are created by changes in savings, protection, investment, inflation, public policy in developed and developing countries?
2. How will proposed changes in accounting, regulatory and performance measurements affect life insurance risks and risk management practices?
3. How can insurers manage risks that policyholders seek protection from through hedging strategies and tools?
4. Is the life insurance business better off diversifying risks (e.g., longevity, investment, marketing) through integration with other financial services or by concentrating on the special needs of life insurance alone?
5. How can life insurers apply their special skills to capture a stronger position in privatized retirement savings markets?
Enterprise Risk Management
2012 Global ERM Survey: Keep Your Eye on the Prize
Insurers have a clear vision of how enterprise risk management (ERM) will add value to their organizations but face business challenges in progressing toward that goal, according to Towers Watson's Seventh Biennial Global ERM Survey, released in November.
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