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{{Insert quote panel
| {{Quote
| text = A good CEO is not a micromanager but a 'Chief Excitement Officer' or 'Engagement Officer'
| author = [[Thomas Buberl]], {{Thomas Buberl/attribution }}
| }}
| image = thomas-buberl.jpg
}}{{section separator}}
 
== AXAAbout fundamentalsAXA ==
<div class="main-page-menu">
'''people''' ▸ ❙&nbsp;{{Inline expand |leading&nbsp;figures&nbsp;▸|{{read|[[Claude Bébéar]]}} {{read|[[Henri de Castrie]]}} {{read|[[Thomas Buberl]]}} }} ❙&nbsp;{{Inline expand |management&nbsp;committee&nbsp;▸|{{read|[[George Stansfield]]}} {{read|[[Guillaume Borie]]}} {{read|[[Patrick Cohen]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |partners&nbsp;group&nbsp;▸|{{read|[[Etienne Bouas Laurent]]}} {{read|[[Renaud Guidée]]}} {{read|[[Tara Foley]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }}▼
 
'''regions'''{{Row ▸ ❙header|overview&nbsp;▸}} {{Inline expand |Europe❘&nbsp;history&nbsp;▸|{{read|[[FranceHistory of AXA]]}} {{read|[[GermanyTimeline of AXA]]}} {{read|[[Switzerlandfinancial data]]}} {{read|[[Luxembourg]]}} {{readInline expand |❘&nbsp;purpose&nbsp;▸|[[Italy]]}} {{read|[[SpainVision]]}} {{read|[[UKMissions]]}} {{read|[[IrelandUnlock&nbsp;the&nbsp;future&nbsp;2026]]}} {{read|[[TurkeyAXA&nbsp;Foundation&nbsp;for&nbsp;Human&nbsp;Progress]]}} }} ❙&nbsp;{{Inline expand |AXA❘&nbsp;XLculture&nbsp;▸|{{read|[[XL BermudaValues]]}} {{read|[[XL ReinsuranceFeedback]]}} {{read|[[XL AmericaSmart&nbsp;working]]}} {{read|[[seeInclusion&nbsp;all&&nbsp;▸diversity]]|type=gray}} }} ❙&nbsp;{{Inline expand |Asia&nbsp;▸|{{read|[[JapanVolunteering]]}} {{read|[[Hong Kong]]}} {{read|[[China]]}}Inline expand |❘&nbsp;career&nbsp;&&nbsp;growth&nbsp;▸|{{read|[[IndonesiaJob&nbsp;architecture]]}} {{read|[[ThailandInternal&nbsp;mobility]]}} {{read|[[PhilippinesTotal&nbsp;rewards]]}} {{read|[[South KoreaPersonalized&nbsp;development]]}} }} ❙&nbsp;{{Inline expand |Latin❘&nbsp;Americacommitments&nbsp;▸|{{read|[[BrazilBusiness]]}} {{read|[[ColombiaClimate&nbsp;change&nbsp;&&nbsp;strategy]]}} {{read|[[Mexico]]}} }} ❙Inclusive&nbsp;{{Inline expand |transversals&nbsp;▸|{{read|[[AXA Partnersprotection]]}} {{read|[[AXA GOResponsible&nbsp;corporation]]}} }}
 
'''results''' ▸ ❙&nbsp;{{Inline expandRow header|press&nbsp;releasepeople&nbsp;▸|{{read|[[2025]]}} {{read|[[2024]]}}Inline {{read|[[2023]]}}expand {{read|[[see❘&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |analystleading&nbsp;presentationfigures&nbsp;▸|{{read|[[2025Claude Bébéar]]}} {{read|[[2024Henri de Castries]]}} {{read|[[2023]]}}Thomas {{read|[[see&nbsp;all&nbsp;▸Buberl]]|type=gray}} }} ❙&nbsp;{{Inline expand |financial❘&nbsp;supplementsboard&nbsp;▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |activity&nbsp;reportcommittees&nbsp;▸|{{read|[[2025Antoine Gosset-Grainville]]}} {{read|[[2024Guillaume Faury]]}} {{read|[[2023Angelien Kemna]]}} {{read|[[AXA Board of Directors|see&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |annual❘&nbsp;reportmanagement&nbsp;committee&nbsp;▸|{{read|[[2025]]}}George {{read|[[2024Stansfield]]}} {{read|[[2023]]}}Guillaume {{read|[[see&nbsp;all&nbsp;▸Borie]]|type=gray}} }} ❙&nbsp;{{Inline expand |SFCR&nbsp;▸|{{read|[[2025]]}}Patrick {{read|[[2024Cohen]]}} {{read|[[2023]]}}AXA {{readManagement Committee|[[see&nbsp;all&nbsp;▸]]|type=gray}} }}
</div>▼
 
{{Row header|business&nbsp;▸}} {{Inline expand |❘&nbsp;Europe&nbsp;▸|{{read|[[France]]}} {{read|[[Germany]]}} {{read|[[Switzerland]]}} {{read|[[Luxembourg]]}} {{read|[[Italy]]}} {{read|[[Spain]]}} {{read|[[UK]]}} {{read|[[Ireland]]}} {{read|[[Turkey]]}} }} {{Inline expand |❘&nbsp;AXA&nbsp;XL&nbsp;▸|{{read|[[XL Bermuda]]}} {{read|[[XL Reinsurance]]}} {{read|[[XL America]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |❘&nbsp;Asia&nbsp;▸|{{read|[[Japan]]}} {{read|[[Hong Kong]]}} {{read|[[China]]}} {{read|[[Indonesia]]}} {{read|[[Thailand]]}} {{read|[[Philippines]]}} {{read|[[South Korea]]}} }} {{Inline expand |❘&nbsp;Latin&nbsp;America&nbsp;▸|{{read|[[Brazil]]}} {{read|[[Colombia]]}} {{read|[[Mexico]]}} }} {{Inline expand |❘&nbsp;transversals&nbsp;▸|{{read|[[AXA Partners]]}} {{read|[[AXA GO]]}} }}
== Insurance fundamentals ==▼
<div class="main-page-menu">
'''fundamentals''' ▸ ❙&nbsp;{{Inline expand |risk&nbsp;basics&nbsp;▸|{{read|[[Frequency vs severity]]}} {{read|[[Hazard, exposure, peril, loss]]}} {{read|[[Correlation and aggregation]]}} }} ❙&nbsp;{{Inline expand |how&nbsp;insurance&nbsp;works&nbsp;▸|{{read|[[Pooling and risk transfer]]}} {{read|[[Indemnity vs benefits]]}} {{read|[[Premium now, claims later]]}} }} ❙&nbsp;{{Inline expand |incentives&nbsp;&&nbsp;frictions&nbsp;▸|{{read|[[Adverse selection]]}} {{read|[[Moral hazard]]}} {{read|[[Information asymmetry]]}} }} ❙&nbsp;{{Inline expand |industry&nbsp;structure&nbsp;▸|{{read|[[Insurers, mutuals, captives]]}} {{read|[[Brokers, MGAs, TPAs]]}} {{read|[[Reinsurers and retro]]}} }} ❙&nbsp;{{Inline expand |policy&nbsp;essentials&nbsp;▸|{{read|[[Insurable interest, good faith]]}} {{read|[[Coverage, exclusions, conditions]]}} {{read|[[Limits and deductibles]]}} }} ❙&nbsp;{{Inline expand |core&nbsp;metrics&nbsp;▸|{{read|[[Loss/expense/combined ratio]]}} {{read|[[Persistency and lapse]]}} {{read|[[Acquisition economics]]}} }} ❙&nbsp;{{Inline expand |time&nbsp;value&nbsp;▸|{{read|[[Discounting]]}} {{read|[[Trend and social inflation]]}} {{read|[[Duration risk]]}} }} ❙&nbsp;{{Inline expand |Cat&nbsp;&&nbsp;systemic&nbsp;▸|{{read|[[Nat Cat accumulation]]}} {{read|[[Pandemic risk]]}} {{read|[[Cyber contagion]]}} }} ❙&nbsp;{{Inline expand |role&nbsp;&&nbsp;trust&nbsp;▸|{{read|[[Protection and resilience]]}} {{read|[[Fairness and inclusion]]}} {{read|[[Conduct and transparency]]}} }}▼
 
'''products'''{{Row ▸ ❙header|results&nbsp;▸}} {{Inline expand |life❘&nbsp;press&nbsp;release&nbsp;▸|{{read|[[Term,2025]]}} whole, UL{{read|[[2024]]}} {{read|[[Mortality and lapse2023]]}} {{read|[[Riderssee&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |health❘&nbsp;analyst&nbsp;presentation&nbsp;▸|{{read|[[Medical2025]]}} vs income protection{{read|[[2024]]}} {{read|[[Group vs individual2023]]}} {{read|[[Utilization leverssee&nbsp;all&nbsp;▸]]|type=gray}} }} ❙&nbsp;{{Inline expand |annuities❘&nbsp;financial&nbsp;supplement&nbsp;▸|{{read|[[Immediate vs deferred2025]]}} {{read|[[Guarantees2024]]}} {{read|[[Longevity risk2023]]}} }} ❙&nbsp;{{Inline expand read|group[[see&nbsp;benefitsall&nbsp;▸|{{read|[[Plan design]]}} {{read|[[Experience rating]]type=gray}} {{read|[[Renewals]]}} }} ❙&nbsp;{{Inline expand |personal❘&nbsp;linesactivity&nbsp;report&nbsp;▸|{{read|[[Motor and home2025]]}} {{read|[[Rating factors2024]]}} {{read|[[Claims inflation2023]]}} }} ❙&nbsp;{{Inline expand read|commercial[[see&nbsp;linesall&nbsp;▸|{{read|[[Property and liability]]}} {{read|[[Limits and towers]]type=gray}} {{read|[[Risk engineering]]}} }} ❙&nbsp;{{Inline expand |specialty❘&nbsp;annual&nbsp;report&nbsp;▸|{{read|[[Marine/aviation/energy2025]]}} {{read|[[Financial lines2024]]}} {{read|[[Parametric2023]]}} }} ❙&nbsp;{{Inline expand read|U/W[[see&nbsp;governanceall&nbsp;▸|{{read|[[Appetite and authority]]}} {{read|[[Quote to bind]]type=gray}} {{read|[[Portfolio steering]]}} }} ❙&nbsp;{{Inline expand |lifecycle❘&nbsp;SFCR&nbsp;▸|{{read|[[Design and pricing2025]]}} {{read|[[Wording and filings2024]]}} {{read|[[Monitoring and remediation2023]]}} }} ❙&nbsp;{{Inline expand read|policy[[see&nbsp;adminall&nbsp;▸|{{read|[[Issuance and endorsements]]}} {{read|[[Billing]]}} {{read|[[Retention]]type=gray}} }}
▲</div>
 
'''distribution&nbsp;&&nbsp;ops''' ▸ ❙&nbsp;{{Inline expandRow header|channelsdocuments&nbsp;▸|{{read|[[Agent/broker/bank]]}} {{read|[[Direct and digital]]}} {{read|[[Embedded and partners]]}} }} ❙&nbsp;{{Inline expand |sales❘&nbsp;&group&nbsp;advicestandards&nbsp;▸|{{read|[[NeedsCommunication, andBrand, Reputation suitabilitystandard]]}} {{read|[[ToolsSustainability and disclosuresstandard]]}} {{read|[[ConversionPrice levers]]}}Sensitive }}or ❙&nbsp;{{InlineInside expand |intermediary&nbsp;econ&nbsp;▸|{{read|[[Commissions andInformation clawbacksstandard]]}} {{read|[[Conflicts control]]}} {{read|[[Delegated authority]]}} }} ❙see&nbsp;{{Inline expand |onboardingall&nbsp;▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]type=gray}} {{read|[[Consent and privacy]]}} }} ❙&nbsp;{{Inline expand |U/W❘&nbsp;opsgroup&nbsp;S2&nbsp;policies&nbsp;▸|{{read|[[STPGroup Internal vsAudit manualpolicy]]}} {{read|[[EvidenceGroup managementCompliance policy]]}} {{read|[[QAGroup and audits]]}} }} ❙P&nbsp;{{InlineC expandUnderwriting |claims&nbsp;ops&nbsp;▸|{{read|[[FNOLPricing and triage]]}} {{read|[[Settlement andClams leakagepolicy]]}} {{read|[[Litigation and recovery]]}} }} ❙see&nbsp;{{Inline expand |fraud&nbsp;mgmtall&nbsp;▸|{{read|[[Detection and SIU]]}} {{read|[[Provider fraud]]type=gray}} {{read|[[Recoveries]]}} }} ❙&nbsp;{{Inline expand |service❘&nbsp;modelothers&nbsp;▸|{{read|[[SharedGroup services]]}} {{read|[[OutsourcingAI riskpolicy]]}} {{read|[[SLAsGroup andSanctions outcomesPolicy]]}} }} ❙&nbsp;{{Inline expand |tech&nbsp;&&nbsp;data&nbsp;▸|{{read|[[PAS/claims/billing]]}}Group {{read|[[CRMAnti-Money andLaundering omni-channelPolicy]]}} {{read|[[Platforms and APIs]]}} }} ❙see&nbsp;{{Inline expand |productivityall&nbsp;▸|{{read|[[Cost-to-serve]]}} {{read|[[Automation]]}} {{read|[[Ops KPIs]]type=gray}} }}
 
{{Row header|toolkits&nbsp;▸}} {{Inline expand |❘&nbsp;projects&nbsp;▸|{{read|[[Methodology]]}} {{read|[[Steering]]}} {{read|[[Business case builder]]}} {{read|[[Risk & issue mgmt]]}} }} {{Inline expand |❘&nbsp;presentations&nbsp;▸|{{read|[[Storylining]]}} {{read|[[Slide templates]]}} {{read|[[Asset library]]}} }} {{Inline expand |❘&nbsp;procurement&nbsp;▸|{{read|[[Supplier onboarding]]}} {{read|[[P2P process]]}} {{read|[[Contracting]]}} {{read|[[3rd party risk]]}} }}
'''finance&nbsp;&&nbsp;actuarial''' ▸ ❙&nbsp;{{Inline expand |pricing&nbsp;▸|{{read|[[Expected loss and margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} ❙&nbsp;{{Inline expand |reserving&nbsp;▸|{{read|[[Case vs IBNR]]}} {{read|[[Triangles and diagnostics]]}} {{read|[[Reserve risk]]}} }} ❙&nbsp;{{Inline expand |life&nbsp;liabilities&nbsp;▸|{{read|[[Assumptions and margins]]}} {{read|[[Options and behavior]]}} {{read|[[New business strain]]}} }} ❙&nbsp;{{Inline expand |reinsurance&nbsp;▸|{{read|[[Proportional vs non-prop]]}} {{read|[[Retentions and limits]]}} {{read|[[Credit and collateral]]}} }} ❙&nbsp;{{Inline expand |ALM&nbsp;▸|{{read|[[Portfolio basics]]}} {{read|[[Duration and liquidity]]}} {{read|[[Credit risk]]}} }} ❙&nbsp;{{Inline expand |performance&nbsp;▸|{{read|[[Underwriting result]]}} {{read|[[Operating vs net income]]}} {{read|[[Key ratios]]}} }} ❙&nbsp;{{Inline expand |accounting&nbsp;▸|{{read|[[IFRS 17]]}} {{read|[[IFRS 9]]}} {{read|[[Statutory bases]]}} }} ❙&nbsp;{{Inline expand |solvency&nbsp;▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} ❙&nbsp;{{Inline expand |steering&nbsp;▸|{{read|[[Growth vs value]]}} {{read|[[Re-pricing actions]]}} {{read|[[Scenario planning]]}} }} ❙&nbsp;{{Inline expand |model&nbsp;gov&nbsp;▸|{{read|[[Assumption control]]}} {{read|[[Validation]]}} {{read|[[Data governance]]}} }}
 
{{section separator}}
'''regulation&nbsp;&&nbsp;gov''' ▸ ❙&nbsp;{{Inline expand |purpose&nbsp;▸|{{read|[[Protection]]}} {{read|[[Stability]]}} {{read|[[Integrity]]}} }} ❙&nbsp;{{Inline expand |prudential&nbsp;▸|{{read|[[Solvency II / RBC]]}} {{read|[[ORSA]]}} {{read|[[Supervisory reporting]]}} }} ❙&nbsp;{{Inline expand |conduct&nbsp;▸|{{read|[[Product governance]]}} {{read|[[Claims standards]]}} {{read|[[Fair value]]}} }} ❙&nbsp;{{Inline expand |supervision&nbsp;▸|{{read|[[Entity structures]]}} {{read|[[Intra-group flows]]}} {{read|[[Recovery and resolution]]}} }} ❙&nbsp;{{Inline expand |gov&nbsp;model&nbsp;▸|{{read|[[Board oversight]]}} {{read|[[Three lines]]}} {{read|[[Internal audit]]}} }} ❙&nbsp;{{Inline expand |compliance&nbsp;▸|{{read|[[AML/CTF]]}} {{read|[[Sanctions]]}} {{read|[[Third-party risk]]}} }} ❙&nbsp;{{Inline expand |tax&nbsp;▸|{{read|[[Premium taxes]]}} {{read|[[Deferred tax]]}} {{read|[[Cross-border issues]]}} }} ❙&nbsp;{{Inline expand |ESG&nbsp;▸|{{read|[[Underwriting and investment]]}} {{read|[[Disclosures]]}} {{read|[[Transition risk]]}} }} ❙&nbsp;{{Inline expand |resilience&nbsp;▸|{{read|[[Cyber security]]}} {{read|[[Operational resilience]]}} {{read|[[Data privacy]]}} }} ❙&nbsp;{{Inline expand |emerging&nbsp;▸|{{read|[[Cyber and systemic]]}} {{read|[[Insurtech and embedded]]}} {{read|[[Alternative capital]]}} }}
</div>
 
== Markets, competitors & targets ==
== Competitors ==
<div class="main-page-menu">
▲'''people'''{{Row ▸ ❙header|MNC&nbsp;▸}} {{Inline expand |leading❘&nbsp;figuresmulti-liners&nbsp;▸|{{read|[[Claude BébéarAllianz]]}} {{read|[[HenriZurich]]}} de Castrie{{read|[[Generali]]}} {{read|[[ThomasTalanx]]}} Buberl{{read|[[MAPFRE]]}} }} ❙&nbsp;{{Inline expand |management❘&nbsp;committeeP&C&nbsp;▸|{{read|[[George StansfieldChubb]]}} {{read|[[GuillaumeAIG]]}} Borie{{read|[[Travelers]]}} {{read|[[PatrickLiberty CohenMutual]]}} {{read|[[see&nbsp;all&nbsp;▸Tokio Marine]]|type=gray}} }} ❙&nbsp;{{Inline expand |partners❘&nbsp;Life&nbsp;&&nbsp;groupHealth&nbsp;▸|{{read|[[EtienneBupa]]}} Bouas{{read|[[Prudential Laurentplc]]}} {{read|[[Renaud GuidéeMetLife]]}} {{read|[[TaraAIA FoleyGroup]]}} {{read|[[see&nbsp;all&nbsp;▸Manulife]]|type=gray}} }}
'''europe''' ▸ ❙&nbsp;{{Inline expand |France&nbsp;▸|{{read|[[Crédit Agricole Assurances]]}} {{read|[[CNP Assurances]]}} {{read|[[Groupama]]}} {{read|[[Crédit Mutuel Alliance Fédérale (GACM)]]}} {{read|[[BNP Paribas Cardif]]}} }} ❙&nbsp;{{Inline expand |Germany&nbsp;▸|{{read|[[Allianz]]}} {{read|[[Munich Re (ERGO Group)]]}} {{read|[[Talanx (HDI)]]}} {{read|[[R+V Versicherung]]}} {{read|[[Generali Deutschland]]}} }} ❙&nbsp;{{Inline expand |Switzerland&nbsp;▸|{{read|[[Schweizerische Mobiliar]]}} {{read|[[Zürich Versicherung (Zurich)]]}} {{read|[[Allianz Suisse]]}} {{read|[[Helvetia]]}} {{read|[[Bâloise (Basler)]]}} }} ❙&nbsp;{{Inline expand |Luxembourg&nbsp;▸|{{read|[[Foyer Assurances]]}} {{read|[[LALUX (La Luxembourgeoise)]]}} {{read|[[Bâloise Assurances Luxembourg]]}} {{read|[[Allianz]]}} {{read|[[AIG]]}} }} ❙&nbsp;{{Inline expand |Italy&nbsp;▸|{{read|[[Generali]]}} {{read|[[Intesa Sanpaolo Vita]]}} {{read|[[Poste Vita]]}} {{read|[[Allianz]]}} {{read|[[Unipol]]}} }} ❙&nbsp;{{Inline expand |Spain&nbsp;▸|{{read|[[MAPFRE]]}} {{read|[[VidaCaixa (CaixaBank Group)]]}} {{read|[[Mutua Madrileña]]}} {{read|[[Allianz Seguros]]}} {{read|[[Grupo Catalana Occidente (GCO)]]}} }} ❙&nbsp;{{Inline expand |UK&nbsp;▸|{{read|[[Aviva]]}} {{read|[[Legal & General]]}} {{read|[[Prudential]]}} {{read|[[Zurich Insurance UK]]}} {{read|[[Allianz Insurance]]}} }} ❙&nbsp;{{Inline expand |Ireland&nbsp;▸|{{read|[[Irish Life Group]]}} {{read|[[Zurich Insurance plc (Ireland)]]}} {{read|[[Aviva Life & Pensions Ireland]]}} {{read|[[New Ireland Assurance]]}} {{read|[[Royal London Ireland]]}} }} ❙&nbsp;{{Inline expand |Turkey&nbsp;▸|{{read|[[Türkiye Sigorta]]}} {{read|[[Allianz Sigorta]]}} {{read|[[Anadolu Sigorta]]}} {{read|[[Sompo Sigorta]]}} {{read|[[Aksigorta]]}} }}▼
 
▲'''europe'''{{Row ▸ ❙header|europe&nbsp;▸}} {{Inline expand |❘&nbsp;France&nbsp;▸|{{read|[[market overview]]}} {{read|[[Crédit Agricole Assurances]]}} {{read|[[CNP Assurances]]}} {{read|[[Groupama]]}} {{read|[[Crédit Mutuel Alliance Fédérale (GACM)]]}} {{read|[[BNP Paribas Cardif]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Germany&nbsp;▸|{{read|[[market overview]]}} {{read|[[Allianz]]}} {{read|[[Munich Re (ERGO Group)]]}} {{read|[[Talanx (HDI)]]}} {{read|[[R+V Versicherung]]}} {{read|[[Generali Deutschland]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Switzerland&nbsp;▸|{{read|[[market overview]]}} {{read|[[Schweizerische Mobiliar]]}} {{read|[[Zürich Versicherung (Zurich)]]}} {{read|[[Allianz Suisse]]}} {{read|[[Helvetia]]}} {{read|[[Bâloise (Basler)]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Luxembourg&nbsp;▸|{{read|[[market overview]]}} {{read|[[Foyer Assurances]]}} {{read|[[LALUX (La Luxembourgeoise)]]}} {{read|[[Bâloise Assurances Luxembourg]]}} {{read|[[Allianz]]}} {{read|[[AIG]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Italy&nbsp;▸|{{read|[[market overview]]}} {{read|[[Generali]]}} {{read|[[Intesa Sanpaolo Vita]]}} {{read|[[Poste Vita]]}} {{read|[[Allianz]]}} {{read|[[Unipol]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Spain&nbsp;▸|{{read|[[market overview]]}} {{read|[[MAPFRE]]}} {{read|[[VidaCaixa (CaixaBank Group)]]}} {{read|[[Mutua Madrileña]]}} {{read|[[Allianz Seguros]]}} {{read|[[Grupo Catalana Occidente (GCO)]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;UK&nbsp;▸|{{read|[[market overview]]}} {{read|[[Aviva]]}} {{read|[[Legal & General]]}} {{read|[[Prudential]]}} {{read|[[Zurich Insurance UK]]}} {{read|[[Allianz Insurance]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Ireland&nbsp;▸|{{read|[[market overview]]}} {{read|[[Irish Life Group]]}} {{read|[[Zurich Insurance plc (Ireland)]]}} {{read|[[Aviva Life & Pensions Ireland]]}} {{read|[[New Ireland Assurance]]}} {{read|[[Royal London Ireland]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Turkey&nbsp;▸|{{read|[[market overview]]}} {{read|[[Türkiye Sigorta]]}} {{read|[[Allianz Sigorta]]}} {{read|[[Anadolu Sigorta]]}} {{read|[[Sompo Sigorta]]}} {{read|[[Aksigorta]]}} {{read|[[see more]]}} }}
'''reinsurance&nbsp;&&nbsp;bermuda''' ▸ ❙&nbsp;{{Inline expand |Bermuda&nbsp;market&nbsp;▸|{{read|[[AXA XL]]}} {{read|[[XL Bermuda]]}} {{read|[[Everest Re]]}} {{read|[[RenaissanceRe]]}} {{read|[[Arch Capital (Arch Re)]]}} {{read|[[PartnerRe]]}} {{read|[[Aspen]]}} }} ❙&nbsp;{{Inline expand |Global&nbsp;Re&nbsp;▸|{{read|[[XL Reinsurance]]}} {{read|[[Munich Re]]}} {{read|[[Swiss Re]]}} {{read|[[Hannover Re]]}} {{read|[[Berkshire Hathaway (reinsurance)]]}} {{read|[[SCOR]]}} }}
 
'''north{{Row header|reinsurance&nbsp;&&nbsp;bermuda&nbsp;america''' ▸}} ❙{{Inline expand |❘&nbsp;Bermuda&nbsp;market&nbsp;▸|{{read|[[market overview]]}} {{read|[[AXA XL]]}} {{read|[[XL Bermuda]]}} {{read|[[Everest Re]]}} {{read|[[RenaissanceRe]]}} {{read|[[Arch Capital (Arch Re)]]}} {{read|[[PartnerRe]]}} {{read|[[Aspen]]}} {{read|[[see more]]}} }} {{Inline expand |United❘&nbsp;StatesGlobal&nbsp;Re&nbsp;▸|{{read|[[market overview]]}} {{read|[[XL AmericaReinsurance]]}} {{read|[[TravelersMunich Re]]}} {{read|[[ChubbSwiss Re]]}} {{read|[[LibertyHannover MutualRe]]}} {{read|[[Berkshire Hathaway (reinsurance)]]}} {{read|[[ZurichSCOR]]}} {{read|[[see more]]}} }}
 
{{Row header|north&nbsp;america&nbsp;▸}} {{Inline expand |❘&nbsp;United&nbsp;States&nbsp;▸|{{read|[[market overview]]}} {{read|[[XL America]]}} {{read|[[Travelers]]}} {{read|[[Chubb]]}} {{read|[[Liberty Mutual]]}} {{read|[[Berkshire Hathaway]]}} {{read|[[Zurich]]}} {{read|[[see more]]}} }}
'''asia''' ▸ ❙&nbsp;{{Inline expand |Japan&nbsp;▸|{{read|[[Nippon Life]]}} {{read|[[Dai-ichi Life]]}} {{read|[[Tokio Marine]]}} {{read|[[Sompo]]}} {{read|[[MS&AD (Mitsui Sumitomo)]]}} }} ❙&nbsp;{{Inline expand |Hong&nbsp;Kong&nbsp;▸|{{read|[[HSBC Life (International)]]}} {{read|[[AIA International]]}} {{read|[[Prudential (HK) Life]]}} {{read|[[BOC Life]]}} {{read|[[Manulife (International)]]}} }} ❙&nbsp;{{Inline expand |China&nbsp;▸|{{read|[[China Life]]}} {{read|[[Ping An]]}} {{read|[[PICC (People’s Insurance Company of China)]]}} {{read|[[CPIC (China Pacific Insurance)]]}} {{read|[[New China Life]]}} }} ❙&nbsp;{{Inline expand |Indonesia&nbsp;▸|{{read|[[Prudential Indonesia]]}} {{read|[[AIA Financial]]}} {{read|[[Manulife Indonesia]]}} {{read|[[Allianz Life Indonesia]]}} {{read|[[Sun Life Indonesia]]}} }} ❙&nbsp;{{Inline expand |Thailand&nbsp;▸|{{read|[[AIA Thailand]]}} {{read|[[FWD Life Thailand]]}} {{read|[[Thai Life Insurance]]}} {{read|[[Muang Thai Life Assurance]]}} {{read|[[Allianz Ayudhya]]}} }} ❙&nbsp;{{Inline expand |Philippines&nbsp;▸|{{read|[[Sun Life]]}} {{read|[[Pru Life U.K.]]}} {{read|[[Manulife]]}} {{read|[[AIA Philippines]]}} {{read|[[FWD]]}} }} ❙&nbsp;{{Inline expand |South&nbsp;Korea&nbsp;▸|{{read|[[Samsung Fire & Marine]]}} {{read|[[Hyundai Marine & Fire]]}} {{read|[[DB Insurance]]}} {{read|[[Meritz Fire & Marine]]}} {{read|[[KB Insurance]]}} }}▼
 
▲'''asia'''{{Row ▸ ❙header|asia&nbsp;▸}} {{Inline expand |❘&nbsp;Japan&nbsp;▸|{{read|[[market overview]]}} {{read|[[Nippon Life]]}} {{read|[[Dai-ichi Life]]}} {{read|[[Tokio Marine]]}} {{read|[[Sompo]]}} {{read|[[MS&AD (Mitsui Sumitomo)]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Hong&nbsp;Kong&nbsp;▸|{{read|[[market overview]]}} {{read|[[HSBC Life (International)]]}} {{read|[[AIA International]]}} {{read|[[Prudential (HK) Life]]}} {{read|[[BOC Life]]}} {{read|[[Manulife (International)]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;China&nbsp;▸|{{read|[[market overview]]}} {{read|[[China Life]]}} {{read|[[Ping An]]}} {{read|[[PICC (People’s Insurance Company of China)]]}} {{read|[[CPIC (China Pacific Insurance)]]}} {{read|[[New China Life]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Indonesia&nbsp;▸|{{read|[[market overview]]}} {{read|[[Prudential Indonesia]]}} {{read|[[AIA Financial]]}} {{read|[[Manulife Indonesia]]}} {{read|[[Allianz Life Indonesia]]}} {{read|[[Sun Life Indonesia]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Thailand&nbsp;▸|{{read|[[market overview]]}} {{read|[[AIA Thailand]]}} {{read|[[FWD Life Thailand]]}} {{read|[[Thai Life Insurance]]}} {{read|[[Muang Thai Life Assurance]]}} {{read|[[Allianz Ayudhya]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Philippines&nbsp;▸|{{read|[[market overview]]}} {{read|[[Sun Life]]}} {{read|[[Pru Life U.K.]]}} {{read|[[Manulife]]}} {{read|[[AIA Philippines]]}} {{read|[[FWD]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;South&nbsp;Korea&nbsp;▸|{{read|[[market overview]]}} {{read|[[Samsung Fire & Marine]]}} {{read|[[Hyundai Marine & Fire]]}} {{read|[[DB Insurance]]}} {{read|[[Meritz Fire & Marine]]}} {{read|[[KB Insurance]]}} {{read|[[see more]]}} }}
'''latin&nbsp;america''' ▸ ❙&nbsp;{{Inline expand |Brazil&nbsp;▸|{{read|[[BrasilSeg]]}} {{read|[[Bradesco Seguros]]}} {{read|[[SulAmérica]]}} {{read|[[Porto Seguro]]}} {{read|[[Caixa Seguridade]]}} }} ❙&nbsp;{{Inline expand |Colombia&nbsp;▸|{{read|[[Grupo Sura]]}} {{read|[[Seguros Alfa]]}} {{read|[[Seguros Bolívar]]}} {{read|[[Allianz]]}} {{read|[[MAPFRE]]}} }} ❙&nbsp;{{Inline expand |Mexico&nbsp;▸|{{read|[[GNP Seguros]]}} {{read|[[MetLife México]]}} {{read|[[BBVA Seguros]]}} {{read|[[Banorte Seguros]]}} {{read|[[Quálitas]]}} }}▼
 
▲'''{{Row header|latin&nbsp;america''' ▸ ❙&nbsp;▸}} {{Inline expand |❘&nbsp;Brazil&nbsp;▸|{{read|[[market overview]]}} {{read|[[BrasilSeg]]}} {{read|[[Bradesco Seguros]]}} {{read|[[SulAmérica]]}} {{read|[[Porto Seguro]]}} {{read|[[Caixa Seguridade]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Colombia&nbsp;▸|{{read|[[market overview]]}} {{read|[[Grupo Sura]]}} {{read|[[Seguros Alfa]]}} {{read|[[Seguros Bolívar]]}} {{read|[[Allianz]]}} {{read|[[MAPFRE]]}} {{read|[[see more]]}} }} ❙&nbsp;{{Inline expand |❘&nbsp;Mexico&nbsp;▸|{{read|[[market overview]]}} {{read|[[GNP Seguros]]}} {{read|[[MetLife México]]}} {{read|[[BBVA Seguros]]}} {{read|[[Banorte Seguros]]}} {{read|[[Quálitas]]}} {{read|[[see more]]}} }}
</div>
 
{{section separator}}
== Case studies ==
 
== Trends, case studies & insights ==
<div class="main-page-menu">
'''capital'''{{Row ▸ ❙header|strategic&nbsp;watch&nbsp;▸}} {{Inline expand |M❘&Anbsp;trend&nbsp;radar&nbsp;▸|{{read|[[Generali–CattolicaEmerging (2022)risks]]}} {{read|[[Allianz–AvivaTech Poland (2021)]]}} {{read|[[Chubb–Cigna A&H APACAI (2022)watch]]}} }} ❙&nbsp;{{Inline expand |carve-outs&nbsp;▸|{{read|[[AIG → Corebridge IPOCustomer (2022)behavior]]}} {{read|[[PrudentialRegulatory → Jackson demerger (2021)horizon]]}} {{read|[[Allianz sells UniCredit Allianz Vita stake (2025)]]}} }} ❙&nbsp;{{Inline expand |buybacks❘&nbsp;briefings&nbsp;▸|{{read|[[AllianzQuarterly €1.5bntrend buybacks (2024)digest]]}} {{read|[[Zurich CHF 1.1bn buyback (2024)]]}} {{read|[[Travelers $5.04bn repurchaseCompetitor capacitymove (end-2024)summary]]}} }}
 
'''risk'''{{Row ▸ ❙header|capital&nbsp;▸}} {{Inline expand |cyber❘&nbsp;M&A&nbsp;▸|{{read|[[Zurich–Mondelez NotPetya settlementGenerali–Cattolica (2022)]]}} {{read|[[MerckAllianz–Aviva vs AcePoland (war exclusion rejected, 20232021)]]}} {{read|[[Lloyd’sChubb–Cigna “state-backed”A&H cyber exclusionsAPAC (from 20232022)]]}} }} ❙&nbsp;{{Inline expand |Cat/ILS❘&nbsp;carve-outs&nbsp;▸|{{read|[[AllianzAIG €250m→ windstormCorebridge cat bondIPO (20232022)]]}} {{read|[[MunichPrudential Re→ retroJackson + sidecarsdemerger ($1.55bn, 20252021)]]}} {{read|[[HannoverAllianz Resells cloud-outageUniCredit catAllianz bondVita stake (20242025)]]}} }} ❙&nbsp;{{Inline expand |BI❘&nbsp;disputesbuybacks&nbsp;▸|{{read|[[FCAAllianz BI€1.5bn test casebuybacks (UKSC, 20212024)]]}} {{read|[[ExCelZurich CentreCHF appeal1.1bn winbuyback (UK CA, 2024)]]}} {{read|[[UKTravelers CA$5.04bn onrepurchase furlough set-offscapacity (2025end-2024)]]}} }}
 
'''tech'''{{Row ▸ ❙header|risk&nbsp;▸}} {{Inline expand |claims❘&nbsp;AIcyber&nbsp;▸|{{read|[[AllianzZurich–Mondelez “InsuranceNotPetya Copilot”settlement (auto claims, 20242022)]]}} {{read|[[ZurichMerck AIvs claimsAce escalation(war predictionexclusion (2024rejected, 2023)]]}} {{read|[[ChubbLloyd’s +“state-backed” Cytoracyber claimsexclusions doc(from automation (20242023)]]}} }} ❙&nbsp;{{Inline expand |GenAI❘&nbsp;Cat&nbsp;&&nbsp;assistantsILS&nbsp;▸|{{read|[[AllianzGPTAllianz (internal,€250m 2025windstorm cat bond (2023)]]}} {{read|[[GeneraliMunich KAssisRe (claimsretro knowledge+ sidecars ($1.55bn, 2025)]]}} {{read|[[GeneraliHannover “Chatty”Re (customercloud-outage chatbot,cat 2023–24bond (2024)]]}} }} ❙&nbsp;{{Inline expand |telematics❘&nbsp;BI&nbsp;disputes&nbsp;▸|{{read|[[ProgressiveFCA BI test Snapshotcase (UBIUKSC, 20112021)]]}} {{read|[[Generali–TelepassExCel “Next”Centre appeal win (2022UK CA, 2024)]]}} {{read|[[Allianz–TickerUK pay-perCA on furlough set-mileoffs (2025)]]}} }}
 
'''distribution'''{{Row ▸ ❙header|tech&nbsp;▸}} {{Inline expand |bancassurance❘&nbsp;claims&nbsp;AI&nbsp;▸|{{read|[[Allianz–UniCreditAllianz framework“Insurance Copilot” (2022auto claims, 2024)]]}} {{read|[[Zurich–SantanderZurich LatAmAI JVclaims +escalation 25-year tie-upprediction (20112024)]]}} {{read|[[BNPChubb Paribas+ ↔Cytora Ageasclaims /doc AG Insurance reshuffleautomation (20252024)]]}} }} ❙&nbsp;{{Inline expand |embedded❘&nbsp;GenAI&nbsp;platformsassistants&nbsp;▸|{{read|[[ChubbAllianzGPT Studio(internal, AI2025)]]}} embedded{{read|[[Generali engineKAssis (claims knowledge, 2025)]]}} {{read|[[ZurichGenerali buys“Chatty” AIG(customer Travelchatbot, +2023–24)]]}} merges}} with{{Inline Cover-Moreexpand |❘&nbsp;telematics&nbsp;▸|{{read|[[Progressive Snapshot (2024UBI, 2011)]]}} {{read|[[MunichGenerali–Telepass Re“Next” buys(2022)]]}} relayr{{read|[[Allianz–Ticker pay-per-mile (20182025)]]}} }}
 
'''climate'''{{Row ▸ ❙header|distribution&nbsp;▸}} {{Inline expand |coal/fossil❘&nbsp;rulesbancassurance&nbsp;▸|{{read|[[AllianzAllianz–UniCredit coal phase-out thresholdsframework (20252022)]]}} {{read|[[GeneraliZurich–Santander coalLatAm phaseJV + 25-outyear tie-up (2030/20402011)]]}} {{read|[[ZurichBNP “noParibas new↔ fossil”Ageas positioning/ AG Insurance reshuffle (2025)]]}} }} ❙&nbsp;{{Inline expand |transition❘&nbsp;&embedded&nbsp;resilienceplatforms&nbsp;▸|{{read|[[ZurichChubb +Studio AonAI hydrogenembedded insurance platformengine (20242025)]]}} {{read|[[GeneraliZurich expandsbuys oil/gasAIG exclusionsTravel + merges with Cover-More (2024)]]}} {{read|[[SwissMunich Re nat-catbuys loss benchmarkrelayr (sigma 1/20242018)]]}} }}
 
{{Row header|climate&nbsp;▸}} {{Inline expand |❘&nbsp;coal&nbsp;&&nbsp;fossil&nbsp;rules&nbsp;▸|{{read|[[Allianz coal phase-out thresholds (2025)]]}} {{read|[[Generali coal phase-out (2030/2040)]]}} {{read|[[Zurich “no new fossil” positioning]]}} }} {{Inline expand |❘&nbsp;transition&nbsp;&&nbsp;resilience&nbsp;▸|{{read|[[Zurich + Aon hydrogen insurance platform (2024)]]}} {{read|[[Generali expands oil/gas exclusions (2024)]]}} {{read|[[Swiss Re nat-cat loss benchmark (sigma 1/2024)]]}} }}
</div>
 
{{section separator}}
== Skill development books ==
 
▲== Insurance fundamentalsacademy ==
<div class="main-page-menu">
'''communication{{Row header|fundamentals&nbsp;▸}} {{Inline expand |❘&nbsp;risk&nbsp;presence''' ▸ ❙basics&nbsp;▸|{{read|[[Frequency vs severity]]}} {{read|[[Hazard, exposure, peril]]}} {{read|[[Correlation & aggregation]]}} }} {{Inline expand |conversations❘&nbsp;how&nbsp;insurance&nbsp;feedbackworks&nbsp;▸|{{read|[[CrucialPooling Conversations& risk transfer]]}} {{read|[[DifficultIndemnity vs Conversationsbenefits]]}} {{read|[[ThanksPremium fornow, theclaims Feedbacklater]]}} }} {{Inline expand |❘&nbsp;incentives&nbsp;&&nbsp;frictions&nbsp;▸|{{read|[[RadicalAdverse Candorselection]]}} {{read|[[Moral hazard]]}} ❙{{read|[[Information asymmetry]]}} }} {{Inline expand |❘&nbsp;industry&nbsp;structure&nbsp;▸|{{read|[[Insurers, mutuals, captives]]}} {{read|[[Brokers, MGAs, TPAs]]}} {{read|[[Reinsurers & retro]]}} }} {{Inline expand |storytelling❘&nbsp;&policy&nbsp;thinkingessentials&nbsp;▸|{{read|[[TheInsurable interest, Pyramidgood Principlefaith]]}} {{read|[[MadeCoverage, toexclusions]]}} Stick{{read|[[Limits & deductibles]]}} }} {{Inline expand |❘&nbsp;core&nbsp;metrics&nbsp;▸|{{read|[[StorytellingLoss, withexpense, Datacombined]]}} {{read|[[TalkPersistency Like& TEDlapse]]}} {{read|[[Acquisition economics]]}} ❙}} {{Inline expand |❘&nbsp;time&nbsp;value&nbsp;▸|{{read|[[Discounting]]}} {{read|[[Trend & social inflation]]}} {{read|[[Duration risk]]}} }} {{Inline expand |writing❘&nbsp;Cat&nbsp;&&nbsp;claritysystemic&nbsp;▸|{{read|[[HBRNat GuideCat toaccumulation]]}} Better Business{{read|[[Pandemic Writingrisk]]}} {{read|[[SmartCyber Brevitycontagion]]}} }} {{Inline expand |❘&nbsp;role&nbsp;&&nbsp;trust&nbsp;▸|{{read|[[OnProtection Writing& Wellresilience]]}} {{read|[[TheFairness Elements& ofinclusion]]}} {{read|[[Conduct & Styletransparency]]}} }}
 
'''influence{{Row header|products&nbsp;▸}} {{Inline expand |❘&nbsp;life&nbsp;stakeholders''' ▸|{{read|[[Term, whole, UL]]}} {{read|[[Mortality ❙&nbsp; lapse]]}} {{read|[[Riders]]}} }} {{Inline expand |persuasion❘&nbsp;health&nbsp;▸|{{read|[[InfluenceMedical vs income protection]]}} {{read|[[Pre-SuasionGroup vs individual]]}} {{read|[[Influence WithoutUtilization Authoritylevers]]}} }} {{Inline expand |❘&nbsp;annuities&nbsp;▸|{{read|[[TheImmediate Artvs ofdeferred]]}} Woo{{read|[[Guarantees]]}} {{read|[[Longevity risk]]}} ❙}} {{Inline expand |❘&nbsp;group&nbsp;benefits&nbsp;▸|{{read|[[Plan design]]}} {{read|[[Experience rating]]}} {{read|[[Renewals]]}} }} {{Inline expand |negotiation❘&nbsp;personal&nbsp;lines&nbsp;▸|{{read|[[GettingMotor to& Yeshome]]}} {{read|[[NeverRating Splitfactors]]}} the{{read|[[Claims Differenceinflation]]}} }} {{Inline expand |❘&nbsp;commercial&nbsp;lines&nbsp;▸|{{read|[[BargainingProperty for& Advantageliability]]}} {{read|[[TheLimits Power& oftowers]]}} a Positive{{read|[[Risk Noengineering]]}} }} ❙{{Inline expand |❘&nbsp;specialty&nbsp;▸|{{read|[[Marine, aviation, energy]]}} {{read|[[Financial lines]]}} {{read|[[Parametric]]}} }} {{Inline expand |conflict❘&nbsp;Underwriting&nbsp;gov&nbsp;alignment▸|{{read|[[Appetite & authority]]}} {{read|[[Quote to bind]]}} {{read|[[Portfolio steering]]}} }} {{Inline expand |❘&nbsp;lifecycle&nbsp;▸|{{read|[[CrucialDesign & Confrontationspricing]]}} {{read|[[TheWording Conflict& Codefilings]]}} {{read|[[TheMonitoring Anatomy& ofremediation]]}} }} {{Inline expand |❘&nbsp;policy&nbsp;admin&nbsp;▸|{{read|[[Issuance & Peaceendorsements]]}} {{read|[[TheBilling]]}} Catalyst{{read|[[Retention]]}} }}
 
'''leadership{{Row header|distribution&nbsp;&&nbsp;people''' ▸}} ❙&nbsp;{{Inline expand |coaching❘&nbsp;&&nbsp;devchannels&nbsp;▸|{{read|[[The Coaching HabitAgent/broker/bank]]}} {{read|[[Multipliers]]}}Direct {{read|[[The& Making of a Managerdigital]]}} {{read|[[TurnEmbedded the& Ship Around!partners]]}} }} ❙&nbsp;{{Inline expand |teams❘&nbsp;sales&nbsp;&&nbsp;advice&nbsp;▸|{{read|[[TheNeeds Five& Dysfunctions of a Teamsuitability]]}} {{read|[[TeamTools of& Teamsdisclosures]]}} {{read|[[Drive]]}} {{read|[[The CultureConversion Codelevers]]}} }} ❙&nbsp;{{Inline expand |change❘&nbsp;&intermediary&nbsp;executionecon&nbsp;▸|{{read|[[LeadingCommissions Change]]}}& {{read|[[Switchclawbacks]]}} {{read|[[TheConflicts First 90 Dayscontrol]]}} {{read|[[AccelerateDelegated authority]]}} }}
 
'''collaboration{{Row header|operations&nbsp;▸}} {{Inline expand |❘&nbsp;onboarding&nbsp;culture''' ▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]}} {{read|[[Consent ❙&nbsp; privacy]]}} }} {{Inline expand |cross-cultural❘&nbsp;underwriting&nbsp;ops&nbsp;▸|{{read|[[TheSTP Culturevs Mapmanual]]}} {{read|[[LeadingEvidence withmgmt]]}} Cultural{{read|[[QA & Intelligenceaudits]]}} }} {{Inline expand |❘&nbsp;claims&nbsp;ops&nbsp;▸|{{read|[[WhenFNOL Cultures& Collidetriage]]}} {{read|[[RidingSettlement the& Wavesleakage]]}} of{{read|[[Litigation & Culturerecovery]]}} }} ❙&nbsp;{{Inline expand |inclusion❘&nbsp;&fraud&nbsp;safetymgmt&nbsp;▸|{{read|[[TheDetection Fearless& OrganizationSIU]]}} {{read|[[TheProvider Personfraud]]}} You{{read|[[Recoveries]]}} Mean}} to{{Inline expand |❘&nbsp;service&nbsp;model&nbsp;▸|{{read|[[Shared Beservices]]}} {{read|[[BlindspotOutsourcing risk]]}} {{read|[[InclusifySLAs & outcomes]]}} }} ❙&nbsp;{{Inline expand |remote/hybrid❘&nbsp;tech&nbsp;&&nbsp;data&nbsp;▸|{{read|[[RemotePAS, claims, billing]]}} {{read|[[TheCRM Long-Distance& Leaderomni-channel]]}} {{read|[[DigitalPlatforms Body& LanguageAPIs]]}} }} {{Inline expand |❘&nbsp;productivity&nbsp;▸|{{read|[[Cost-to-serve]]}} {{read|[[Automation]]}} {{read|[[SuddenlyOps VirtualKPIs]]}} }}
 
'''effectiveness{{Row header|finance&nbsp;&&nbsp;resilience''' ▸ ❙actuarial&nbsp;▸}} {{Inline expand |time❘&nbsp;pricing&nbsp;▸|{{read|[[Expected loss & margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} {{Inline expand |❘&nbsp;focusreserving&nbsp;▸|{{read|[[GettingCase Thingsvs DoneIBNR]]}} {{read|[[DeepTriangles Work& diagnostics]]}} {{read|[[EssentialismReserve risk]]}} }} {{Inline expand |❘&nbsp;life&nbsp;liabilities&nbsp;▸|{{read|[[AtomicAssumptions Habits& margins]]}} {{read|[[Options & behavior]]}} ❙{{read|[[New business strain]]}} }} {{Inline expand |❘&nbsp;reinsurance&nbsp;▸|{{read|[[Proportional vs non-prop]]}} {{read|[[Retentions & limits]]}} {{read|[[Credit & collateral]]}} }} {{Inline expand |decision❘&nbsp;makingALM&nbsp;▸|{{read|[[Thinking,Portfolio Fastbasics]]}} and{{read|[[Duration Slow& liquidity]]}} {{read|[[DecisiveCredit risk]]}} }} {{Inline expand |❘&nbsp;performance&nbsp;▸|{{read|[[SuperforecastingUnderwriting result]]}} {{read|[[TheOperating Scoutvs Mindsetnet income]]}} {{read|[[Key ratios]]}} ❙}} {{Inline expand |❘&nbsp;accounting&nbsp;▸|{{read|[[IFRS 17]]}} {{read|[[IFRS 9]]}} {{read|[[Statutory bases]]}} }} {{Inline expand |resilience❘&nbsp;solvency&nbsp;▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} {{Inline expand |❘&nbsp;stresssteering&nbsp;▸|{{read|[[MindsetGrowth vs value]]}} {{read|[[TheRe-pricing Upsideactions]]}} of{{read|[[Scenario Stressplanning]]}} }} {{Inline expand |❘&nbsp;model&nbsp;gov&nbsp;▸|{{read|[[ResilientAssumption control]]}} {{read|[[SearchValidation]]}} Inside{{read|[[Data Yourselfgovernance]]}} }}
 
▲'''fundamentals'''{{Row ▸ ❙header|regulation&nbsp;&&nbsp;gov&nbsp;▸}} {{Inline expand |risk❘&nbsp;basicspurpose&nbsp;▸|{{read|[[Frequency vs severityProtection]]}} {{read|[[Hazard, exposure, peril, lossStability]]}} {{read|[[Correlation and aggregationIntegrity]]}} }} ❙&nbsp;{{Inline expand |how❘&nbsp;insurance&nbsp;worksprudential&nbsp;▸|{{read|[[PoolingSolvency andII risk& transferRBC]]}} {{read|[[Indemnity vs benefitsORSA]]}} {{read|[[Premium now, claimsSupervisory laterreporting]]}} }} ❙&nbsp;{{Inline expand |incentives❘&nbsp;&&nbsp;frictionsconduct&nbsp;▸|{{read|[[AdverseProduct selectiongovernance]]}} {{read|[[MoralClaims hazardstandards]]}} {{read|[[InformationFair asymmetryvalue]]}} }} ❙&nbsp;{{Inline expand |industry❘&nbsp;structuresupervision&nbsp;▸|{{read|[[Insurers,Entity mutuals, captivesstructures]]}} {{read|[[Brokers,Intra-group MGAs, TPAsflows]]}} {{read|[[ReinsurersRecovery and& retroresolution]]}} }} ❙&nbsp;{{Inline expand |policy❘&nbsp;gov&nbsp;essentialsmodel&nbsp;▸|{{read|[[InsurableBoard interest,oversight]]}} good{{read|[[Three faithlines]]}} {{read|[[Coverage,Internal exclusions,audit]]}} conditions}} {{Inline expand |❘&nbsp;compliance&nbsp;▸|{{read|[[AML/CTF]]}} {{read|[[LimitsSanctions]]}} and{{read|[[Third-party deductiblesrisk]]}} }} ❙&nbsp;{{Inline expand |core❘&nbsp;metricstax&nbsp;▸|{{read|[[Loss/expense/combinedPremium ratiotaxes]]}} {{read|[[PersistencyDeferred and lapsetax]]}} {{read|[[AcquisitionCross-border economicsissues]]}} }} ❙&nbsp;{{Inline expand |time❘&nbsp;valueESG&nbsp;▸|{{read|[[DiscountingUnderwriting & investment]]}} {{read|[[Trend and social inflationDisclosures]]}} {{read|[[DurationTransition risk]]}} }} ❙&nbsp;{{Inline expand |Cat❘&nbsp;&&nbsp;systemicresilience&nbsp;▸|{{read|[[NatCyber Cat accumulationsecurity]]}} {{read|[[PandemicOperational riskresilience]]}} {{read|[[CyberData contagionprivacy]]}} }} ❙&nbsp;{{Inline expand |role❘&nbsp;&&nbsp;trustemerging&nbsp;▸|{{read|[[ProtectionCyber and& resiliencesystemic]]}} {{read|[[FairnessInsurtech and& inclusionembedded]]}} {{read|[[Conduct andAlternative transparencycapital]]}} }}
'''customer&nbsp;&&nbsp;trust''' ▸ ❙&nbsp;{{Inline expand |empathy&nbsp;&&nbsp;service&nbsp;▸|{{read|[[The Effortless Experience]]}} {{read|[[Outside In]]}} {{read|[[Hug Your Haters]]}} {{read|[[Unreasonable Hospitality]]}} }} ❙&nbsp;{{Inline expand |trust&nbsp;&&nbsp;relationships&nbsp;▸|{{read|[[The Speed of Trust]]}} {{read|[[The Trusted Advisor]]}} {{read|[[Give and Take]]}} {{read|[[Dare to Lead]]}} }}
</div>
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