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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}} {{Inline expand |/leading&nbsp;figures▸|{{read|[[Claude Bébéar]]}} {{read|[[Henri de Castrie]]}} {{read|[[Thomas Buberl]]}} }} {{Inline expand |/board&nbsp;of&nbsp;directors▸|{{read|[[Antoine Gosset-Grainville]]}} {{read|[[Guillaume Faury]]}} {{read|[[Angelien Kemna]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/management&nbsp;committee▸|{{read|[[George Stansfield]]}} {{read|[[Guillaume Borie]]}} {{read|[[Patrick Cohen]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/partners&nbsp;group▸|{{read|[[Etienne Bouas Laurent]]}} {{read|[[Renaud Guidée]]}} {{read|[[Tara Foley]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }}▼
 
{{Row header|regionsoverview&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]]}} }} {{Inline expand |/AXA❘&nbsp;XL▸culture&nbsp;▸|{{read|[[XL BermudaValues]]}} {{read|[[XL ReinsuranceFeedback]]}} {{read|[[XL AmericaSmart&nbsp;working]]}} {{read|[[seeInclusion&nbsp;all&&nbsp;▸diversity]]|type=gray}} }} {{Inline expand |/Asia▸|{{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]]}} }} {{Inline expand |/Latin❘&nbsp;America▸commitments&nbsp;▸|{{read|[[BrazilBusiness]]}} {{read|[[ColombiaClimate&nbsp;change&nbsp;&&nbsp;strategy]]}} {{read|[[MexicoInclusive&nbsp;protection]]}} }} {{Inline expand |/transversals▸|{{read|[[AXA Partners]]}} {{read|[[AXA GOResponsible&nbsp;corporation]]}} }}
 
{{Row header|resultspeople&nbsp;▸}} {{Inline expand |/press❘&nbsp;release▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[seeleading&nbsp;allfigures&nbsp;▸]]|type=gray}} }} {{Inline expand |/analyst&nbsp;presentation▸|{{read|[[2025Claude Bébéar]]}} {{read|[[2024Henri de Castries]]}} {{read|[[2023]]}}Thomas {{read|[[see&nbsp;all&nbsp;▸Buberl]]|type=gray}} }} {{Inline expand |/financial❘&nbsp;supplements▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[seeboard&nbsp;all&&nbsp;▸]]|type=gray}} }} {{Inline expand |/activitycommittees&nbsp;report▸▸|{{read|[[2025Antoine Gosset-Grainville]]}} {{read|[[2024Guillaume Faury]]}} {{read|[[2023Angelien Kemna]]}} {{read|[[AXA Board of Directors|see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/annual❘&nbsp;report▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[seemanagement&nbsp;allcommittee&nbsp;▸]]|type=gray}} }} {{Inline expand |/SFCR▸|{{read|[[2025George Stansfield]]}} {{read|[[2024Guillaume Borie]]}} {{read|[[2023Patrick Cohen]]}} {{read|[[AXA Management 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|peopleresults&nbsp;▸}} {{Inline expand |/leading❘&nbsp;figures▸press&nbsp;release&nbsp;▸|{{read|[[Claude Bébéar2025]]}} {{read|[[Henri de Castrie2024]]}} {{read|[[Thomas2023]]}} Buberl{{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/board❘&nbsp;ofanalyst&nbsp;directors▸presentation&nbsp;▸|{{read|[[Antoine Gosset-Grainville2025]]}} {{read|[[Guillaume Faury2024]]}} {{read|[[Angelien Kemna2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/management❘&nbsp;committee▸financial&nbsp;supplement&nbsp;▸|{{read|[[George2025]]}} Stansfield{{read|[[2024]]}} {{read|[[Guillaume2023]]}} Borie{{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |❘&nbsp;activity&nbsp;report&nbsp;▸|{{read|[[Patrick2025]]}} Cohen{{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/partners❘&nbsp;group▸annual&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}} {{Inline expand |/risk&nbsp;basics▸|{{read|[[Frequency vs severity]]}} {{read|[[Hazard, exposure, peril]]}} {{read|[[Correlation & aggregation]]}} }} {{Inline expand |/how&nbsp;insurance&nbsp;works▸|{{read|[[Pooling & risk transfer]]}} {{read|[[Indemnity vs benefits]]}} {{read|[[Premium now, claims later]]}} }} {{Inline expand |/incentives&nbsp;&&nbsp;frictions▸|{{read|[[Adverse selection]]}} {{read|[[Moral hazard]]}} {{read|[[Information asymmetry]]}} }} {{Inline expand |/industry&nbsp;structure▸|{{read|[[Insurers, mutuals, captives]]}} {{read|[[Brokers, MGAs, TPAs]]}} {{read|[[Reinsurers & retro]]}} }} {{Inline expand |/policy&nbsp;essentials▸|{{read|[[Insurable interest, good faith]]}} {{read|[[Coverage, exclusions]]}} {{read|[[Limits & deductibles]]}} }} {{Inline expand |/core&nbsp;metrics▸|{{read|[[Loss, expense, combined]]}} {{read|[[Persistency & lapse]]}} {{read|[[Acquisition economics]]}} }} {{Inline expand |/time&nbsp;value▸|{{read|[[Discounting]]}} {{read|[[Trend & social inflation]]}} {{read|[[Duration risk]]}} }} {{Inline expand |/Cat&nbsp;&&nbsp;systemic▸|{{read|[[Nat Cat accumulation]]}} {{read|[[Pandemic risk]]}} {{read|[[Cyber contagion]]}} }} {{Inline expand |/role&nbsp;&&nbsp;trust▸|{{read|[[Protection & resilience]]}} {{read|[[Fairness & inclusion]]}} {{read|[[Conduct & transparency]]}} }}▼
 
{{Row header|productsdocuments&nbsp;▸}} {{Inline expand |/life▸❘&nbsp;group&nbsp;standards&nbsp;▸|{{read|[[TermCommunication, wholeBrand, UL]]}} {{read|[[Mortality &Reputation lapsestandard]]}} {{read|[[Riders]]}} }} {{Inline expand |/health▸|{{read|[[Medical vs incomeSustainability protectionstandard]]}} {{read|[[GroupPrice vsSensitive individual]]}}or {{read|[[Utilization levers]]}} }} {{Inline expand |/annuities▸|{{read|[[ImmediateInside vsInformation deferredstandard]]}} {{read|[[Guarantees]]}} {{read|[[Longevity risk]]}} }} {{Inline expand |/groupsee&nbsp;benefits▸|{{read|[[Plan designall&nbsp;▸]]}} {{read|[[Experience rating]]}} {{read|[[Renewals]]type=gray}} }} {{Inline expand |/personal❘&nbsp;lines▸|{{read|[[Motor group& home]]}} {{read|[[Rating factors]]}} {{read|[[Claims inflation]]}} }} {{Inline expand |/commercialnbsp;S2&nbsp;lines▸policies&nbsp;▸|{{read|[[PropertyGroup &Internal liabilityAudit policy]]}} {{read|[[LimitsGroup &Compliance towerspolicy]]}} {{read|[[RiskGroup engineering]]}}P&C }}Underwriting {{InlinePricing expandand |/specialty▸|{{read|[[Marine,Clams aviation, energypolicy]]}} {{read|[[Financial linessee&nbsp;all&nbsp;▸]]}} {{read|[[Parametric]]type=gray}} }} {{Inline expand |/Underwriting❘&nbsp;gov▸others&nbsp;▸|{{read|[[AppetiteGroup &AI authoritypolicy]]}} {{read|[[QuoteGroup toSanctions bindPolicy]]}} {{read|[[PortfolioGroup steering]]}}Anti-Money }} {{Inline expand |/lifecycle▸|{{read|[[Design &Laundering pricingPolicy]]}} {{read|[[Wording see& filings]]}} {{read|[[Monitoring & remediation]]}} }} {{Inline expand |/policynbsp;all&nbsp;admin▸|{{read|[[Issuance & endorsements▸]]}} {{read|[[Billing]]}} {{read|[[Retention]]type=gray}} }}
 
{{Row header|distributiontoolkits&nbsp;&&nbsp;ops▸}} {{Inline expand |/channels▸|{{read|[[Agent/broker/bank]]}} {{read|[[Direct & digital]]}} {{read|[[Embedded & partners]]}} }} {{Inline expand |/sales❘&nbsp;&projects&nbsp;advice▸▸|{{read|[[Needs & suitabilityMethodology]]}} {{read|[[Tools & disclosuresSteering]]}} {{read|[[ConversionBusiness levers]]}} }} {{Inline expand |/intermediary&nbsp;econ▸|{{read|[[Commissions &case clawbacksbuilder]]}} {{read|[[Conflicts control]]}} {{read|[[Delegated authority]]}} }} {{Inline expand |/onboarding▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]}} {{read|[[ConsentRisk & privacy]]}} }} {{Inline expand |/Underwriting&nbsp;ops▸|{{read|[[STP vs manual]]}} {{read|[[Evidenceissue mgmt]]}} {{read|[[QA & audits]]}} }} {{Inline expand |/claims❘&nbsp;ops▸|{{read|[[FNOL & triage]]}} {{read|[[Settlement & leakage]]}} {{read|[[Litigation & recovery]]}} }} {{Inline expand |/fraudpresentations&nbsp;mgmt▸▸|{{read|[[Detection & SIUStorylining]]}} {{read|[[ProviderSlide fraudtemplates]]}} {{read|[[Recoveries]]}} }} {{Inline expand |/service&nbsp;model▸|{{read|[[SharedAsset services]]}} {{read|[[Outsourcing risk]]}} {{read|[[SLAs & outcomeslibrary]]}} }} {{Inline expand |/tech❘&nbsp;&procurement&nbsp;data▸▸|{{read|[[PAS,Supplier claims, billingonboarding]]}} {{read|[[CRM &P2P omni-channelprocess]]}} {{read|[[Platforms & APIsContracting]]}} }} {{Inline expand |/productivity▸|{{read|[[Cost-to-serve]]}}3rd {{read|[[Automation]]}}party {{read|[[Ops KPIsrisk]]}} }}
 
{{Row header|finance&nbsp;&&nbsp;actuarial}} {{Inline expand |/pricing▸|{{read|[[Expected loss & margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} {{Inline expand |/reserving▸|{{read|[[Case vs IBNR]]}} {{read|[[Triangles & diagnostics]]}} {{read|[[Reserve risk]]}} }} {{Inline expand |/life&nbsp;liabilities▸|{{read|[[Assumptions & margins]]}} {{read|[[Options & behavior]]}} {{read|[[New business strain]]}} }} {{Inline expand |/reinsurance▸|{{read|[[Proportional vs non-prop]]}} {{read|[[Retentions & limits]]}} {{read|[[Credit & collateral]]}} }} {{Inline expand |/ALM▸|{{read|[[Portfolio basics]]}} {{read|[[Duration & liquidity]]}} {{read|[[Credit risk]]}} }} {{Inline expand |/performance▸|{{read|[[Underwriting result]]}} {{read|[[Operating vs net income]]}} {{read|[[Key ratios]]}} }} {{Inline expand |/accounting▸|{{read|[[IFRS 17]]}} {{read|[[IFRS 9]]}} {{read|[[Statutory bases]]}} }} {{Inline expand |/solvency▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} {{Inline expand |/steering▸|{{read|[[Growth vs value]]}} {{read|[[Re-pricing actions]]}} {{read|[[Scenario planning]]}} }} {{Inline expand |/model&nbsp;gov▸|{{read|[[Assumption control]]}} {{read|[[Validation]]}} {{read|[[Data governance]]}} }}▼
 
{{Row header|regulation&nbsp;&&nbsp;gov}} {{Inline expand |/purpose▸|{{read|[[Protection]]}} {{read|[[Stability]]}} {{read|[[Integrity]]}} }} {{Inline expand |/prudential▸|{{read|[[Solvency II & RBC]]}} {{read|[[ORSA]]}} {{read|[[Supervisory reporting]]}} }} {{Inline expand |/conduct▸|{{read|[[Product governance]]}} {{read|[[Claims standards]]}} {{read|[[Fair value]]}} }} {{Inline expand |/supervision▸|{{read|[[Entity structures]]}} {{read|[[Intra-group flows]]}} {{read|[[Recovery & resolution]]}} }} {{Inline expand |/gov&nbsp;model▸|{{read|[[Board oversight]]}} {{read|[[Three lines]]}} {{read|[[Internal audit]]}} }} {{Inline expand |/compliance▸|{{read|[[AML/CTF]]}} {{read|[[Sanctions]]}} {{read|[[Third-party risk]]}} }} {{Inline expand |/tax▸|{{read|[[Premium taxes]]}} {{read|[[Deferred tax]]}} {{read|[[Cross-border issues]]}} }} {{Inline expand |/ESG▸|{{read|[[Underwriting & investment]]}} {{read|[[Disclosures]]}} {{read|[[Transition risk]]}} }} {{Inline expand |/resilience▸|{{read|[[Cyber security]]}} {{read|[[Operational resilience]]}} {{read|[[Data privacy]]}} }} {{Inline expand |/emerging▸|{{read|[[Cyber & systemic]]}} {{read|[[Insurtech & embedded]]}} {{read|[[Alternative capital]]}} }}
</div>
 
{{section separator}}
 
== Markets, competitors & targets ==
== Competitors ==
<div class="main-page-menu">
{{Row header|latinMNC&nbsp;america▸}} {{Inline expand |/Brazil▸❘&nbsp;multi-liners&nbsp;▸|{{read|[[BrasilSegAllianz]]}} {{read|[[Bradesco SegurosZurich]]}} {{read|[[SulAméricaGenerali]]}} {{read|[[Porto SeguroTalanx]]}} {{read|[[Caixa SeguridadeMAPFRE]]}} }} {{Inline expand |/Colombia▸❘&nbsp;P&C&nbsp;▸|{{read|[[Grupo SuraChubb]]}} {{read|[[Seguros AlfaAIG]]}} {{read|[[Seguros BolívarTravelers]]}} {{read|[[AllianzLiberty Mutual]]}} {{read|[[MAPFRETokio Marine]]}} }} {{Inline expand |/Mexico▸❘&nbsp;Life&nbsp;&&nbsp;Health&nbsp;▸|{{read|[[GNP SegurosBupa]]}} {{read|[[MetLifePrudential Méxicoplc]]}} {{read|[[BBVA SegurosMetLife]]}} {{read|[[BanorteAIA SegurosGroup]]}} {{read|[[QuálitasManulife]]}} }}▼
{{Row header|europe}} {{Inline expand |/France▸|{{read|[[Crédit Agricole Assurances]]}} {{read|[[CNP Assurances]]}} {{read|[[Groupama]]}} {{read|[[Crédit Mutuel Alliance Fédérale (GACM)]]}} {{read|[[BNP Paribas Cardif]]}} }} {{Inline expand |/Germany▸|{{read|[[Allianz]]}} {{read|[[Munich Re (ERGO Group)]]}} {{read|[[Talanx (HDI)]]}} {{read|[[R+V Versicherung]]}} {{read|[[Generali Deutschland]]}} }} {{Inline expand |/Switzerland▸|{{read|[[Schweizerische Mobiliar]]}} {{read|[[Zürich Versicherung (Zurich)]]}} {{read|[[Allianz Suisse]]}} {{read|[[Helvetia]]}} {{read|[[Bâloise (Basler)]]}} }} {{Inline expand |/Luxembourg▸|{{read|[[Foyer Assurances]]}} {{read|[[LALUX (La Luxembourgeoise)]]}} {{read|[[Bâloise Assurances Luxembourg]]}} {{read|[[Allianz]]}} {{read|[[AIG]]}} }} {{Inline expand |/Italy▸|{{read|[[Generali]]}} {{read|[[Intesa Sanpaolo Vita]]}} {{read|[[Poste Vita]]}} {{read|[[Allianz]]}} {{read|[[Unipol]]}} }} {{Inline expand |/Spain▸|{{read|[[MAPFRE]]}} {{read|[[VidaCaixa (CaixaBank Group)]]}} {{read|[[Mutua Madrileña]]}} {{read|[[Allianz Seguros]]}} {{read|[[Grupo Catalana Occidente (GCO)]]}} }} {{Inline expand |/UK▸|{{read|[[Aviva]]}} {{read|[[Legal & General]]}} {{read|[[Prudential]]}} {{read|[[Zurich Insurance UK]]}} {{read|[[Allianz Insurance]]}} }} {{Inline expand |/Ireland▸|{{read|[[Irish Life Group]]}} {{read|[[Zurich Insurance plc (Ireland)]]}} {{read|[[Aviva Life & Pensions Ireland]]}} {{read|[[New Ireland Assurance]]}} {{read|[[Royal London Ireland]]}} }} {{Inline expand |/Turkey▸|{{read|[[Türkiye Sigorta]]}} {{read|[[Allianz Sigorta]]}} {{read|[[Anadolu Sigorta]]}} {{read|[[Sompo Sigorta]]}} {{read|[[Aksigorta]]}} }}▼
 
▲{{Row header|europe&nbsp;▸}} {{Inline expand |/France▸❘&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 |/Germany▸❘&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 |/Switzerland▸❘&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 |/Luxembourg▸❘&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 |/Italy▸❘&nbsp;Italy&nbsp;▸|{{read|[[market overview]]}} {{read|[[Generali]]}} {{read|[[Intesa Sanpaolo Vita]]}} {{read|[[Poste Vita]]}} {{read|[[Allianz]]}} {{read|[[Unipol]]}} {{read|[[see more]]}} }} {{Inline expand |/Spain▸❘&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 |/UK▸❘&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 |/Ireland▸❘&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 |/Turkey▸❘&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}} {{Inline expand |/Bermuda&nbsp;market▸|{{read|[[AXA XL]]}} {{read|[[XL Bermuda]]}} {{read|[[Everest Re]]}} {{read|[[RenaissanceRe]]}} {{read|[[Arch Capital (Arch Re)]]}} {{read|[[PartnerRe]]}} {{read|[[Aspen]]}} }} {{Inline expand |/Global&nbsp;Re▸|{{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 |/United❘&nbsp;States▸Bermuda&nbsp;market&nbsp;▸|{{read|[[market overview]]}} {{read|[[AXA XL]]}} {{read|[[XL AmericaBermuda]]}} {{read|[[TravelersEverest Re]]}} {{read|[[ChubbRenaissanceRe]]}} {{read|[[LibertyArch MutualCapital (Arch Re)]]}} {{read|[[PartnerRe]]}} {{read|[[Aspen]]}} {{read|[[see more]]}} }} {{Inline expand |❘&nbsp;Global&nbsp;Re&nbsp;▸|{{read|[[market overview]]}} {{read|[[XL Reinsurance]]}} {{read|[[Munich Re]]}} {{read|[[Swiss Re]]}} {{read|[[Hannover Re]]}} {{read|[[Berkshire Hathaway (reinsurance)]]}} {{read|[[ZurichSCOR]]}} {{read|[[see more]]}} }}
 
{{Row header|customernorth&nbsp;&america&nbsp;trust▸}} {{Inline expand |/empathy❘&nbsp;United&nbsp;States&nbsp;service▸▸|{{read|[[Themarket Effortless Experienceoverview]]}} {{read|[[OutsideXL InAmerica]]}} {{read|[[Hug Your HatersTravelers]]}} {{read|[[Unreasonable HospitalityChubb]]}} }} {{Inline expand |/trust&nbsp;&&nbsp;relationships▸|{{read|[[The Speed ofLiberty TrustMutual]]}} {{read|[[TheBerkshire Trusted AdvisorHathaway]]}} {{read|[[Give and TakeZurich]]}} {{read|[[Dare tosee Leadmore]]}} }}▼
{{Row header|asia}} {{Inline expand |/Japan▸|{{read|[[Nippon Life]]}} {{read|[[Dai-ichi Life]]}} {{read|[[Tokio Marine]]}} {{read|[[Sompo]]}} {{read|[[MS&AD (Mitsui Sumitomo)]]}} }} {{Inline expand |/Hong&nbsp;Kong▸|{{read|[[HSBC Life (International)]]}} {{read|[[AIA International]]}} {{read|[[Prudential (HK) Life]]}} {{read|[[BOC Life]]}} {{read|[[Manulife (International)]]}} }} {{Inline expand |/China▸|{{read|[[China Life]]}} {{read|[[Ping An]]}} {{read|[[PICC (People’s Insurance Company of China)]]}} {{read|[[CPIC (China Pacific Insurance)]]}} {{read|[[New China Life]]}} }} {{Inline expand |/Indonesia▸|{{read|[[Prudential Indonesia]]}} {{read|[[AIA Financial]]}} {{read|[[Manulife Indonesia]]}} {{read|[[Allianz Life Indonesia]]}} {{read|[[Sun Life Indonesia]]}} }} {{Inline expand |/Thailand▸|{{read|[[AIA Thailand]]}} {{read|[[FWD Life Thailand]]}} {{read|[[Thai Life Insurance]]}} {{read|[[Muang Thai Life Assurance]]}} {{read|[[Allianz Ayudhya]]}} }} {{Inline expand |/Philippines▸|{{read|[[Sun Life]]}} {{read|[[Pru Life U.K.]]}} {{read|[[Manulife]]}} {{read|[[AIA Philippines]]}} {{read|[[FWD]]}} }} {{Inline expand |/South&nbsp;Korea▸|{{read|[[Samsung Fire & Marine]]}} {{read|[[Hyundai Marine & Fire]]}} {{read|[[DB Insurance]]}} {{read|[[Meritz Fire & Marine]]}} {{read|[[KB Insurance]]}} }}▼
 
▲{{Row header|asia&nbsp;▸}} {{Inline expand |/Japan▸❘&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]]}} }} {{Inline expand |/❘&nbsp;Hong&nbsp;Kong▸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]]}} }} {{Inline expand |/China▸❘&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]]}} }} {{Inline expand |/Indonesia▸❘&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]]}} }} {{Inline expand |/Thailand▸❘&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]]}} }} {{Inline expand |/Philippines▸❘&nbsp;Philippines&nbsp;▸|{{read|[[market overview]]}} {{read|[[Sun Life]]}} {{read|[[Pru Life U.K.]]}} {{read|[[Manulife]]}} {{read|[[AIA Philippines]]}} {{read|[[FWD]]}} {{read|[[see more]]}} }} {{Inline expand |/❘&nbsp;South&nbsp;Korea▸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}} {{Inline expand |/Brazil▸|{{read|[[BrasilSeg]]}} {{read|[[Bradesco Seguros]]}} {{read|[[SulAmérica]]}} {{read|[[Porto Seguro]]}} {{read|[[Caixa Seguridade]]}} }} {{Inline expand |/Colombia▸|{{read|[[Grupo Sura]]}} {{read|[[Seguros Alfa]]}} {{read|[[Seguros Bolívar]]}} {{read|[[Allianz]]}} {{read|[[MAPFRE]]}} }} {{Inline expand |/Mexico▸|{{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|capitalstrategic&nbsp;watch&nbsp;▸}} {{Inline expand |/M❘&A▸nbsp;trend&nbsp;radar&nbsp;▸|{{read|[[Generali–CattolicaEmerging (2022)risks]]}} {{read|[[Allianz–AvivaTech Poland (2021)]]}} {{read|[[Chubb–Cigna A&H APACAI (2022)watch]]}} }} {{Inline expand |/carve-outs▸|{{read|[[AIGCustomer → Corebridge IPO (2022)behavior]]}} {{read|[[PrudentialRegulatory → Jackson demerger (2021)]]}} {{read|[[Allianz sells UniCredit Allianz Vita stake (2025)horizon]]}} }} {{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 |/cyber▸❘&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)]]}} }} {{Inline expand |/❘&nbsp;Cat&nbsp;&&nbsp;ILS▸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)]]}} }} {{Inline expand |/❘&nbsp;BI&nbsp;disputes▸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▸AI&nbsp;▸|{{read|[[Allianz “Insurance Copilot” (auto claims, 2024)]]}} {{read|[[Zurich AI claims escalation prediction (2024)]]}} {{read|[[Chubb + Cytora claims doc automation (2024)]]}} }} {{Inline expand |/❘&nbsp;GenAI&nbsp;assistants▸assistants&nbsp;▸|{{read|[[AllianzGPT (internal, 2025)]]}} {{read|[[Generali KAssis (claims knowledge, 2025)]]}} {{read|[[Generali “Chatty” (customer chatbot, 2023–24)]]}} }} {{Inline expand |/telematics▸❘&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 |/bancassurance▸❘&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)]]}} }} {{Inline expand |/❘&nbsp;embedded&nbsp;platforms▸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▸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▸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 & aggregation]]}} }} {{Inline expand |/conversations❘&nbsp;how&nbsp;insurance&nbsp;works&nbsp;feedback▸▸|{{read|[[CrucialPooling Conversations& risk transfer]]}} {{read|[[DifficultIndemnity vs Conversationsbenefits]]}} {{read|[[ThanksPremium fornow, theclaims Feedbacklater]]}} }} {{Inline expand |❘&nbsp;incentives&nbsp;&&nbsp;frictions&nbsp;▸|{{read|[[Adverse selection]]}} {{read|[[Moral hazard]]}} {{read|[[RadicalInformation Candorasymmetry]]}} }} {{Inline expand |/storytelling❘&nbsp;industry&nbsp;structure&nbsp;thinking▸▸|{{read|[[TheInsurers, Pyramidmutuals, Principlecaptives]]}} {{read|[[MadeBrokers, toMGAs, StickTPAs]]}} {{read|[[StorytellingReinsurers with& Dataretro]]}} }} {{Inline expand |❘&nbsp;policy&nbsp;essentials&nbsp;▸|{{read|[[TalkInsurable Likeinterest, TEDgood faith]]}} {{read|[[Coverage, exclusions]]}} {{read|[[Limits & deductibles]]}} }} {{Inline expand |/writing❘&nbsp;core&nbsp;metrics&nbsp;clarity▸▸|{{read|[[HBRLoss, Guideexpense, tocombined]]}} Better{{read|[[Persistency Business& Writinglapse]]}} {{read|[[SmartAcquisition Brevityeconomics]]}} }} {{Inline expand |❘&nbsp;time&nbsp;value&nbsp;▸|{{read|[[OnDiscounting]]}} Writing{{read|[[Trend Well& social inflation]]}} {{read|[[TheDuration Elementsrisk]]}} of}} {{Inline expand |❘&nbsp;Cat&nbsp;&&nbsp;systemic&nbsp;▸|{{read|[[Nat Cat accumulation]]}} {{read|[[Pandemic risk]]}} {{read|[[Cyber contagion]]}} }} {{Inline expand |❘&nbsp;role&nbsp;&&nbsp;trust&nbsp;▸|{{read|[[Protection & resilience]]}} {{read|[[Fairness & inclusion]]}} {{read|[[Conduct & Styletransparency]]}} }}
 
▲{{Row header|financeproducts&nbsp;&&nbsp;actuarial▸}} {{Inline expand |/pricing▸❘&nbsp;life&nbsp;▸|{{read|[[ExpectedTerm, losswhole, & marginUL]]}} {{read|[[CredibilityMortality & lapse]]}} {{read|[[Price adequacyRiders]]}} }} {{Inline expand |/reserving▸❘&nbsp;health&nbsp;▸|{{read|[[CaseMedical vs IBNRincome protection]]}} {{read|[[TrianglesGroup &vs diagnosticsindividual]]}} {{read|[[ReserveUtilization risklevers]]}} }} {{Inline expand |/life❘&nbsp;annuities&nbsp;liabilities▸▸|{{read|[[AssumptionsImmediate &vs marginsdeferred]]}} {{read|[[Options & behaviorGuarantees]]}} {{read|[[NewLongevity business strainrisk]]}} }} {{Inline expand |/reinsurance▸❘&nbsp;group&nbsp;benefits&nbsp;▸|{{read|[[Proportional vsPlan non-propdesign]]}} {{read|[[RetentionsExperience & limitsrating]]}} {{read|[[Credit & collateralRenewals]]}} }} {{Inline expand |/ALM▸❘&nbsp;personal&nbsp;lines&nbsp;▸|{{read|[[PortfolioMotor basics& home]]}} {{read|[[Duration &Rating liquidityfactors]]}} {{read|[[CreditClaims riskinflation]]}} }} {{Inline expand |/performance▸❘&nbsp;commercial&nbsp;lines&nbsp;▸|{{read|[[UnderwritingProperty & resultliability]]}} {{read|[[OperatingLimits vs& net incometowers]]}} {{read|[[KeyRisk ratiosengineering]]}} }} {{Inline expand |/accounting▸❘&nbsp;specialty&nbsp;▸|{{read|[[IFRSMarine, 17aviation, energy]]}} {{read|[[IFRSFinancial 9lines]]}} {{read|[[Statutory basesParametric]]}} }} {{Inline expand |/solvency▸❘&nbsp;Underwriting&nbsp;gov&nbsp;▸|{{read|[[AvailableAppetite vs& requiredauthority]]}} {{read|[[EconomicQuote capitalto bind]]}} {{read|[[StressPortfolio testssteering]]}} }} {{Inline expand |/steering▸❘&nbsp;lifecycle&nbsp;▸|{{read|[[GrowthDesign vs& valuepricing]]}} {{read|[[Re-pricingWording & actionsfilings]]}} {{read|[[ScenarioMonitoring planning& remediation]]}} }} {{Inline expand |/model❘&nbsp;gov▸policy&nbsp;admin&nbsp;▸|{{read|[[AssumptionIssuance control& endorsements]]}} {{read|[[ValidationBilling]]}} {{read|[[Data governanceRetention]]}} }}
{{Row header|influence&nbsp;&&nbsp;stakeholders}} {{Inline expand |/persuasion▸|{{read|[[Influence]]}} {{read|[[Pre-Suasion]]}} {{read|[[Influence Without Authority]]}} {{read|[[The Art of Woo]]}} }} {{Inline expand |/negotiation▸|{{read|[[Getting to Yes]]}} {{read|[[Never Split the Difference]]}} {{read|[[Bargaining for Advantage]]}} {{read|[[The Power of a Positive No]]}} }} {{Inline expand |/conflict&nbsp;&&nbsp;alignment▸|{{read|[[Crucial Confrontations]]}} {{read|[[The Conflict Code]]}} {{read|[[The Anatomy of Peace]]}} {{read|[[The Catalyst]]}} }}
 
{{Row header|leadershipdistribution&nbsp;&&nbsp;people▸}} {{Inline expand |/coaching❘&nbsp;&channels&nbsp;dev▸▸|{{read|[[The Coaching HabitAgent/broker/bank]]}} {{read|[[Multipliers]]}}Direct {{read|[[The Making of a& Managerdigital]]}} {{read|[[TurnEmbedded the Ship& Around!partners]]}} }} {{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]]}} }} {{Inline expand |/change❘&nbsp;intermediary&nbsp;econ&nbsp;execution▸▸|{{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 & 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]]}} }} {{Inline expand |/inclusion❘&nbsp;fraud&nbsp;mgmt&nbsp;safety▸▸|{{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]]}} }} {{Inline expand |/remote❘&nbsp;tech&nbsp;&&nbsp;hybrid▸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 |/time❘&nbsp;pricing&nbsp;▸|{{read|[[Expected loss & margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} {{Inline expand |❘&nbsp;reserving&nbsp;focus▸▸|{{read|[[GettingCase Thingsvs DoneIBNR]]}} {{read|[[DeepTriangles Work& diagnostics]]}} {{read|[[EssentialismReserve risk]]}} }} {{Inline expand |❘&nbsp;life&nbsp;liabilities&nbsp;▸|{{read|[[AtomicAssumptions & margins]]}} {{read|[[Options & behavior]]}} {{read|[[New business Habitsstrain]]}} }} {{Inline expand |/decision❘&nbsp;making▸reinsurance&nbsp;▸|{{read|[[Thinking,Proportional Fastvs andnon-prop]]}} {{read|[[Retentions & Slowlimits]]}} {{read|[[DecisiveCredit & collateral]]}} }} {{Inline expand |❘&nbsp;ALM&nbsp;▸|{{read|[[SuperforecastingPortfolio basics]]}} {{read|[[TheDuration Scout& Mindsetliquidity]]}} {{read|[[Credit risk]]}} }} {{Inline expand |/resilience❘&nbsp;performance&nbsp;▸|{{read|[[Underwriting result]]}} {{read|[[Operating vs net income]]}} {{read|[[Key ratios]]}} }} {{Inline expand |❘&nbsp;stress▸accounting&nbsp;▸|{{read|[[MindsetIFRS 17]]}} {{read|[[TheIFRS Upside9]]}} of{{read|[[Statutory bases]]}} }} {{Inline expand |❘&nbsp;solvency&nbsp;▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} {{Inline expand |❘&nbsp;steering&nbsp;▸|{{read|[[ResilientGrowth vs value]]}} {{read|[[SearchRe-pricing Insideactions]]}} {{read|[[Scenario planning]]}} }} {{Inline expand |❘&nbsp;model&nbsp;gov&nbsp;▸|{{read|[[Assumption control]]}} {{read|[[Validation]]}} {{read|[[Data Yourselfgovernance]]}} }}
 
▲{{Row header|fundamentalsregulation&nbsp;&&nbsp;gov&nbsp;▸}} {{Inline expand |/risk❘&nbsp;basics▸purpose&nbsp;▸|{{read|[[Frequency vs severityProtection]]}} {{read|[[Hazard, exposure, perilStability]]}} {{read|[[Correlation & aggregationIntegrity]]}} }} {{Inline expand |/how❘&nbsp;insuranceprudential&nbsp;works▸▸|{{read|[[PoolingSolvency II & risk transferRBC]]}} {{read|[[Indemnity vs benefitsORSA]]}} {{read|[[Premium now, claimsSupervisory laterreporting]]}} }} {{Inline expand |/incentives❘&nbsp;&conduct&nbsp;frictions▸▸|{{read|[[AdverseProduct selectiongovernance]]}} {{read|[[MoralClaims hazardstandards]]}} {{read|[[InformationFair asymmetryvalue]]}} }} {{Inline expand |/industry❘&nbsp;supervision&nbsp;structure▸▸|{{read|[[Insurers,Entity mutuals, captivesstructures]]}} {{read|[[Brokers,Intra-group MGAs, TPAsflows]]}} {{read|[[ReinsurersRecovery & retroresolution]]}} }} {{Inline expand |/policy❘&nbsp;gov&nbsp;model&nbsp;essentials▸▸|{{read|[[InsurableBoard interest,oversight]]}} good{{read|[[Three faithlines]]}} {{read|[[Coverage,Internal exclusionsaudit]]}} }} {{Inline expand |❘&nbsp;compliance&nbsp;▸|{{read|[[LimitsAML/CTF]]}} &{{read|[[Sanctions]]}} deductibles{{read|[[Third-party risk]]}} }} {{Inline expand |/core❘&nbsp;metrics▸tax&nbsp;▸|{{read|[[Loss, expense,Premium combinedtaxes]]}} {{read|[[PersistencyDeferred & lapsetax]]}} {{read|[[AcquisitionCross-border economicsissues]]}} }} {{Inline expand |/time❘&nbsp;ESG&nbsp;value▸▸|{{read|[[DiscountingUnderwriting & investment]]}} {{read|[[Trend & social inflationDisclosures]]}} {{read|[[DurationTransition risk]]}} }} {{Inline expand |/Cat❘&nbsp;&resilience&nbsp;systemic▸▸|{{read|[[NatCyber Cat accumulationsecurity]]}} {{read|[[PandemicOperational riskresilience]]}} {{read|[[CyberData contagionprivacy]]}} }} {{Inline expand |/role❘&nbsp;&emerging&nbsp;trust▸▸|{{read|[[ProtectionCyber & resiliencesystemic]]}} {{read|[[FairnessInsurtech & inclusionembedded]]}} {{read|[[Conduct &Alternative transparencycapital]]}} }}
▲{{Row header|customer&nbsp;&&nbsp;trust}} {{Inline expand |/empathy&nbsp;&&nbsp;service▸|{{read|[[The Effortless Experience]]}} {{read|[[Outside In]]}} {{read|[[Hug Your Haters]]}} {{read|[[Unreasonable Hospitality]]}} }} {{Inline expand |/trust&nbsp;&&nbsp;relationships▸|{{read|[[The Speed of Trust]]}} {{read|[[The Trusted Advisor]]}} {{read|[[Give and Take]]}} {{read|[[Dare to Lead]]}} }}
</div>
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