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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">
{{Row header|people}} /&nbsp;{{Inline expand |leading&nbsp;figures&nbsp;▸|{{read|[[Claude Bébéar]]}} {{read|[[Henri de Castrie]]}} {{read|[[Thomas Buberl]]}} }} /&nbsp;{{Inline expand |board&nbsp;of&nbsp;directors&nbsp;▸|{{read|[[Antoine Gosset-Grainville]]}} {{read|[[Guillaume Faury]]}} {{read|[[Angelien Kemna]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} /&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}} }}▼
 
{{Row header|regions}} /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]]}} {{readInline expand |❘&nbsp;career&nbsp;&&nbsp;growth&nbsp;▸|[[China]]}} {{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]]}} }}
 
{{Row header|results}} /people&nbsp;▸}} {{Inline expand |press❘&nbsp;leading&nbsp;releasefigures&nbsp;▸|{{read|[[2025Claude Bébéar]]}} {{read|[[2024Henri de Castries]]}} {{read|[[2023]]}}Thomas {{read|[[see&nbsp;all&nbsp;▸Buberl]]|type=gray}} }} /&nbsp;{{Inline expand |analyst❘&nbsp;presentationboard&nbsp;▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} /&nbsp;{{Inline expand |financial&nbsp;supplementscommittees&nbsp;▸|{{read|[[2025]]}}Antoine {{read|[[2024Gosset-Grainville]]}} {{read|[[2023]]}}Guillaume {{read|[[see&nbsp;all&nbsp;▸Faury]]|type=gray}} }} /&nbsp;{{Inline expand |activity&nbsp;report&nbsp;▸|{{read|[[2025]]}}Angelien {{read|[[2024Kemna]]}} {{read|[[2023]]}}AXA Board {{readof 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]]}} }}
{{section separator}}
 
▲{{Row header|people}} /results&nbsp;▸}} {{Inline expand |leading❘&nbsp;figurespress&nbsp;release&nbsp;▸|{{read|[[Claude2025]]}} Bébéar{{read|[[2024]]}} {{read|[[Henri2023]]}} de Castrie{{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |❘&nbsp;analyst&nbsp;presentation&nbsp;▸|{{read|[[Thomas2025]]}} Buberl{{read|[[2024]]}} {{read|[[2023]]}} /{{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |board❘&nbsp;offinancial&nbsp;directorssupplement&nbsp;▸|{{read|[[Antoine Gosset-Grainville2025]]}} {{read|[[Guillaume Faury2024]]}} {{read|[[Angelien Kemna2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} /&nbsp;{{Inline expand |management❘&nbsp;committeeactivity&nbsp;report&nbsp;▸|{{read|[[George Stansfield2025]]}} {{read|[[Guillaume Borie2024]]}} {{read|[[Patrick Cohen2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} /&nbsp;{{Inline expand |partners❘&nbsp;groupannual&nbsp;report&nbsp;▸|{{read|[[Etienne2025]]}} Bouas{{read|[[2024]]}} Laurent{{read|[[2023]]}} {{read|[[Renaudsee&nbsp;all&nbsp;▸]]|type=gray}} Guidée}} {{Inline expand |❘&nbsp;SFCR&nbsp;▸|{{read|[[2025]]}} {{read|[[Tara2024]]}} Foley{{read|[[2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }}
== Insurance fundamentals ==
▲</div>
<div class="main-page-menu">
{{Row header|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]]}} }}▼
 
{{Row header|products}} /documents&nbsp;▸}} {{Inline expand |life❘&nbsp;group&nbsp;standards&nbsp;▸|{{read|[[TermCommunication, wholeBrand, ULReputation standard]]}} {{read|[[MortalitySustainability and lapsestandard]]}} {{read|[[Riders]]}}Price }}Sensitive /&nbsp;{{Inline expand |health&nbsp;▸|{{read|[[Medicalor vsInside incomeInformation protectionstandard]]}} {{read|[[Group vs individual]]}} {{read|[[Utilization levers]]}} }} /see&nbsp;{{Inline expand |annuitiesall&nbsp;▸|{{read|[[Immediate vs deferred]]}} {{read|[[Guarantees]]type=gray}} {{read|[[Longevity risk]]}} }} /&nbsp;{{Inline expand |group❘&nbsp;benefitsgroup&nbsp;▸|{{read|[[Plan design]]}} {{read|[[Experience rating]]}} {{read|[[Renewals]]}} }} /S2&nbsp;{{Inline expand |personal&nbsp;linespolicies&nbsp;▸|{{read|[[MotorGroup andInternal homeAudit policy]]}} {{read|[[RatingGroup factorsCompliance policy]]}} {{read|[[ClaimsGroup inflation]]}} }} /P&nbsp;{{InlineC expandUnderwriting |commercial&nbsp;lines&nbsp;▸|{{read|[[PropertyPricing and liability]]}}Clams {{read|[[Limits and towerspolicy]]}} {{read|[[Risk engineering]]}} }} /see&nbsp;{{Inline expand |specialtyall&nbsp;▸|{{read|[[Marine/aviation/energy]]}} {{read|[[Financial lines]]type=gray}} {{read|[[Parametric]]}} }} /&nbsp;{{Inline expand |U/W❘&nbsp;governanceothers&nbsp;▸|{{read|[[AppetiteGroup andAI authoritypolicy]]}} {{read|[[QuoteGroup toSanctions bindPolicy]]}} {{read|[[PortfolioGroup steering]]}}Anti-Money }}Laundering /&nbsp;{{Inline expand |lifecycle&nbsp;▸|{{read|[[Design and pricingPolicy]]}} {{read|[[Wording and filings]]}} {{read|[[Monitoring and remediation]]}} }} /see&nbsp;{{Inline expand |policy&nbsp;adminall&nbsp;▸|{{read|[[Issuance and endorsements]]}} {{read|[[Billing]]}} {{read|[[Retention]]type=gray}} }}
 
{{Row header|latintoolkits&nbsp;america▸}} /&nbsp;{{Inline expand |Brazil❘&nbsp;projects&nbsp;▸|{{read|[[BrasilSegMethodology]]}} {{read|[[Bradesco SegurosSteering]]}} {{read|[[SulAméricaBusiness case builder]]}} {{read|[[PortoRisk Seguro]]}}& {{read|[[Caixaissue Seguridademgmt]]}} }} /&nbsp;{{Inline expand |Colombia❘&nbsp;presentations&nbsp;▸|{{read|[[Grupo SuraStorylining]]}} {{read|[[SegurosSlide Alfatemplates]]}} {{read|[[SegurosAsset Bolívarlibrary]]}} {{read|[[Allianz]]}} {{read|[[MAPFRE]]}}Inline }}expand /|❘&nbsp;{{Inline expand |Mexicoprocurement&nbsp;▸|{{read|[[GNPSupplier Segurosonboarding]]}} {{read|[[MetLifeP2P Méxicoprocess]]}} {{read|[[BBVA SegurosContracting]]}} {{read|[[Banorte3rd Seguros]]}}party {{read|[[Quálitasrisk]]}} }}▼
{{Row header|distribution&nbsp;&&nbsp;ops}} /&nbsp;{{Inline expand |channels&nbsp;▸|{{read|[[Agent/broker/bank]]}} {{read|[[Direct and digital]]}} {{read|[[Embedded and partners]]}} }} /&nbsp;{{Inline expand |sales&nbsp;&&nbsp;advice&nbsp;▸|{{read|[[Needs and suitability]]}} {{read|[[Tools and disclosures]]}} {{read|[[Conversion levers]]}} }} /&nbsp;{{Inline expand |intermediary&nbsp;econ&nbsp;▸|{{read|[[Commissions and clawbacks]]}} {{read|[[Conflicts control]]}} {{read|[[Delegated authority]]}} }} /&nbsp;{{Inline expand |onboarding&nbsp;▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]}} {{read|[[Consent and privacy]]}} }} /&nbsp;{{Inline expand |U/W&nbsp;ops&nbsp;▸|{{read|[[STP vs manual]]}} {{read|[[Evidence management]]}} {{read|[[QA and audits]]}} }} /&nbsp;{{Inline expand |claims&nbsp;ops&nbsp;▸|{{read|[[FNOL and triage]]}} {{read|[[Settlement and leakage]]}} {{read|[[Litigation and recovery]]}} }} /&nbsp;{{Inline expand |fraud&nbsp;mgmt&nbsp;▸|{{read|[[Detection and SIU]]}} {{read|[[Provider fraud]]}} {{read|[[Recoveries]]}} }} /&nbsp;{{Inline expand |service&nbsp;model&nbsp;▸|{{read|[[Shared services]]}} {{read|[[Outsourcing risk]]}} {{read|[[SLAs and outcomes]]}} }} /&nbsp;{{Inline expand |tech&nbsp;&&nbsp;data&nbsp;▸|{{read|[[PAS/claims/billing]]}} {{read|[[CRM and omni-channel]]}} {{read|[[Platforms and APIs]]}} }} /&nbsp;{{Inline expand |productivity&nbsp;▸|{{read|[[Cost-to-serve]]}} {{read|[[Automation]]}} {{read|[[Ops KPIs]]}} }}
 
{{Row header|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]]}} }}
 
{{Row header|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>
 
{{section separator}}
 
== Markets, competitors & targets ==
== Competitors ==
<div class="main-page-menu">
{{Row header|europe}} /&nbsp;{{Inline expand |FranceMNC&nbsp;▸|{{read|[[Crédit Agricole Assurances]]}} {{read|[[CNPInline Assurances]]}}expand {{read|[[Groupama]]}} {{read|[[Crédit Mutuel Alliance Fédérale (GACM)]]}} {{read|[[BNP Paribas Cardif]]}} }} /❘&nbsp;{{Inline expand |Germanymulti-liners&nbsp;▸|{{read|[[Allianz]]}} {{read|[[Munich Re (ERGO Group)Zurich]]}} {{read|[[Talanx (HDI)Generali]]}} {{read|[[R+V VersicherungTalanx]]}} {{read|[[Generali DeutschlandMAPFRE]]}} }} /&nbsp;{{Inline expand |Switzerland❘&nbsp;▸|{{read|[[Schweizerische Mobiliar]]}} {{read|[[Zürich Versicherung (Zurich)]]}} {{read|[[Allianz Suisse]]}} {{read|[[Helvetia]]}} {{read|[[Bâloise (Basler)]]}} }} /P&nbsp;{{Inline expand |LuxembourgC&nbsp;▸|{{read|[[Foyer Assurances]]}} {{read|[[LALUX (La Luxembourgeoise)]]}} {{read|[[Bâloise Assurances Luxembourg]]}} {{read|[[AllianzChubb]]}} {{read|[[AIG]]}} }} /&nbsp;{{Inline expand |Italy&nbsp;▸|{{read|[[GeneraliTravelers]]}} {{read|[[Intesa SanpaoloLiberty VitaMutual]]}} {{read|[[PosteTokio VitaMarine]]}} {{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)]]}} }} /Life&nbsp;{{Inline expand |UK&nbsp;▸|{{read|[[Aviva]]}} {{read|[[Legal & General]]}} {{read|[[Prudential]]}} {{read|[[Zurich Insurance UK]]}} {{read|[[Allianz Insurance]]}} }} /&nbsp;{{Inline expand |IrelandHealth&nbsp;▸|{{read|[[Irish Life GroupBupa]]}} {{read|[[Zurich InsurancePrudential plc (Ireland)]]}} {{read|[[Aviva Life & Pensions IrelandMetLife]]}} {{read|[[NewAIA Ireland Assurance]]}} {{read|[[Royal London Ireland]]}} }} /&nbsp;{{Inline expand |Turkey&nbsp;▸|{{read|[[Türkiye Sigorta]]}} {{read|[[Allianz Sigorta]]}} {{read|[[Anadolu Sigorta]]}} {{read|[[Sompo SigortaGroup]]}} {{read|[[AksigortaManulife]]}} }}
 
{{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]]}} }} {{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]]}} }} {{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]]}} }} {{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]]}} }} {{Inline expand |❘&nbsp;Italy&nbsp;▸|{{read|[[market overview]]}} {{read|[[Generali]]}} {{read|[[Intesa Sanpaolo Vita]]}} {{read|[[Poste Vita]]}} {{read|[[Allianz]]}} {{read|[[Unipol]]}} {{read|[[see more]]}} }} {{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]]}} }} {{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]]}} }} {{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]]}} }} {{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]]}} }}
{{Row header|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]]}} }}
 
{{Row header|northreinsurance&nbsp;america&&nbsp;bermuda&nbsp;▸}} /{{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|customernorth&nbsp;&america&nbsp;trust▸}} /&nbsp;{{Inline expand |empathy❘&nbsp;&United&nbsp;serviceStates&nbsp;▸|{{read|[[Themarket Effortless Experienceoverview]]}} {{read|[[OutsideXL InAmerica]]}} {{read|[[Hug Your HatersTravelers]]}} {{read|[[Unreasonable HospitalityChubb]]}} }} /&nbsp;{{Inline expand |trust&nbsp;&&nbsp;relationships&nbsp;▸|{{read|[[The Speed ofLiberty TrustMutual]]}} {{read|[[TheBerkshire Trusted AdvisorHathaway]]}} {{read|[[Give and TakeZurich]]}} {{read|[[Dare tosee Leadmore]]}} }}▼
{{Row header|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]]}} }}▼
 
▲{{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]]}} }}
▲{{Row header|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]]}} }} {{Inline expand |❘&nbsp;Colombia&nbsp;▸|{{read|[[market overview]]}} {{read|[[Grupo Sura]]}} {{read|[[Seguros Alfa]]}} {{read|[[Seguros Bolívar]]}} {{read|[[Allianz]]}} {{read|[[MAPFRE]]}} {{read|[[see more]]}} }} {{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}}
 
== CaseTrends, case studies & insights ==
<div class="main-page-menu">
{{Row header|capital}} /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|[[AIGCustomer → Corebridge IPO (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]]}} }}
 
{{Row header|capital&nbsp;▸}} {{Inline expand |❘&nbsp;M&A&nbsp;▸|{{read|[[Generali–Cattolica (2022)]]}} {{read|[[Allianz–Aviva Poland (2021)]]}} {{read|[[Chubb–Cigna A&H APAC (2022)]]}} }} {{Inline expand |❘&nbsp;carve-outs&nbsp;▸|{{read|[[AIG → Corebridge IPO (2022)]]}} {{read|[[Prudential → Jackson demerger (2021)]]}} {{read|[[Allianz sells UniCredit Allianz Vita stake (2025)]]}} }} {{Inline expand |❘&nbsp;buybacks&nbsp;▸|{{read|[[Allianz €1.5bn buybacks (2024)]]}} {{read|[[Zurich CHF 1.1bn buyback (2024)]]}} {{read|[[Travelers $5.04bn repurchase capacity (end-2024)]]}} }}
 
{{Row header|risk}} /&nbsp;▸}} {{Inline expand |❘&nbsp;cyber&nbsp;▸|{{read|[[Zurich–Mondelez NotPetya settlement (2022)]]}} {{read|[[Merck vs Ace (war exclusion rejected, 2023)]]}} {{read|[[Lloyd’s “state-backed” cyber exclusions (from 2023)]]}} }} /&nbsp;{{Inline expand |❘&nbsp;Cat/&nbsp;&&nbsp;ILS&nbsp;▸|{{read|[[Allianz €250m windstorm cat bond (2023)]]}} {{read|[[Munich Re retro + sidecars ($1.55bn, 2025)]]}} {{read|[[Hannover Re cloud-outage cat bond (2024)]]}} }} /&nbsp;{{Inline expand |❘&nbsp;BI&nbsp;disputes&nbsp;▸|{{read|[[FCA BI test case (UKSC, 2021)]]}} {{read|[[ExCel Centre appeal win (UK CA, 2024)]]}} {{read|[[UK CA on furlough set-offs (2025)]]}} }}
 
{{Row header|tech}} /&nbsp;▸}} {{Inline expand |❘&nbsp;claims&nbsp;AI&nbsp;▸|{{read|[[Allianz “Insurance Copilot” (auto claims, 2024)]]}} {{read|[[Zurich AI claims escalation prediction (2024)]]}} {{read|[[Chubb + Cytora claims doc automation (2024)]]}} }} /&nbsp;{{Inline expand |❘&nbsp;GenAI&nbsp;assistants&nbsp;▸|{{read|[[AllianzGPT (internal, 2025)]]}} {{read|[[Generali KAssis (claims knowledge, 2025)]]}} {{read|[[Generali “Chatty” (customer chatbot, 2023–24)]]}} }} /&nbsp;{{Inline expand |❘&nbsp;telematics&nbsp;▸|{{read|[[Progressive Snapshot (UBI, 2011)]]}} {{read|[[Generali–Telepass “Next” (2022)]]}} {{read|[[Allianz–Ticker pay-per-mile (2025)]]}} }}
 
{{Row header|distribution}} /&nbsp;▸}} {{Inline expand |❘&nbsp;bancassurance&nbsp;▸|{{read|[[Allianz–UniCredit framework (2022)]]}} {{read|[[Zurich–Santander LatAm JV + 25-year tie-up (2011)]]}} {{read|[[BNP Paribas ↔ Ageas / AG Insurance reshuffle (2025)]]}} }} /&nbsp;{{Inline expand |❘&nbsp;embedded&nbsp;platforms&nbsp;▸|{{read|[[Chubb Studio AI embedded engine (2025)]]}} {{read|[[Zurich buys AIG Travel + merges with Cover-More (2024)]]}} {{read|[[Munich Re buys relayr (2018)]]}} }}
 
{{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]]}} }} /&nbsp;{{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}}
 
== SkillInsurance development booksacademy ==
<div class="main-page-menu">
{{Row header|communicationfundamentals&nbsp;▸}} {{Inline expand |❘&nbsp;risk&nbsp;presencebasics&nbsp;▸|{{read|[[Frequency vs severity]]}} /{{read|[[Hazard, exposure, peril]]}} {{read|[[Correlation &nbsp; 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]]}} }}
 
{{Row header|influenceproducts&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]]}} }}
 
{{Row header|leadershipdistribution&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]]}} }}
 
{{Row header|collaborationoperations&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 Intelligence& audits]]}} }} {{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]]}} }}
 
{{Row header|effectivenessfinance&nbsp;&&nbsp;resilienceactuarial&nbsp;▸}} /{{Inline expand |❘&nbsp;pricing&nbsp;▸|{{read|[[Expected loss & margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} {{Inline expand |time❘&nbsp;reserving&nbsp;▸|{{read|[[Case vs IBNR]]}} {{read|[[Triangles & diagnostics]]}} {{read|[[Reserve risk]]}} }} {{Inline expand |❘&nbsp;life&nbsp;focusliabilities&nbsp;▸|{{read|[[GettingAssumptions Things& Donemargins]]}} {{read|[[DeepOptions & Workbehavior]]}} {{read|[[EssentialismNew business strain]]}} }} {{Inline expand |❘&nbsp;reinsurance&nbsp;▸|{{read|[[AtomicProportional Habitsvs non-prop]]}} {{read|[[Retentions & limits]]}} /{{read|[[Credit &nbsp; collateral]]}} }} {{Inline expand |decision❘&nbsp;makingALM&nbsp;▸|{{read|[[Thinking,Portfolio Fastbasics]]}} and{{read|[[Duration & Slowliquidity]]}} {{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]]}} }}
 
▲{{Row header|fundamentalsregulation&nbsp;&&nbsp;gov&nbsp;▸}} /&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, MGAs,Intra-group TPAsflows]]}} {{read|[[ReinsurersRecovery and& retroresolution]]}} }} /&nbsp;{{Inline expand |policy❘&nbsp;essentialsgov&nbsp;model&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]]}} }}
▲{{Row header|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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