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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 |/&nbsp;leading&nbsp;figures&nbsp;▸|{{read|[[Claude Bébéar]]}} {{read|[[Henri de Castrie]]}} {{read|[[Thomas Buberl]]}} }} {{Inline expand |/&nbsp;board&nbsp;of&nbsp;directors&nbsp;▸|{{read|[[Antoine Gosset-Grainville]]}} {{read|[[Guillaume Faury]]}} {{read|[[Angelien Kemna]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/&nbsp;management&nbsp;committee&nbsp;▸|{{read|[[George Stansfield]]}} {{read|[[Guillaume Borie]]}} {{read|[[Patrick Cohen]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/&nbsp;partners&nbsp;group&nbsp;▸|{{read|[[Etienne Bouas Laurent]]}} {{read|[[Renaud Guidée]]}} {{read|[[Tara Foley]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }}▼
 
{{Row header|regionsoverview&nbsp;▸}} {{Inline expand |/❘&nbsp;Europehistory&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 |/❘&nbsp;AXA&nbsp;XLculture&nbsp;▸|{{read|[[XL BermudaValues]]}} {{read|[[XL ReinsuranceFeedback]]}} {{read|[[XL AmericaSmart&nbsp;working]]}} {{read|[[seeInclusion&nbsp;all&&nbsp;▸diversity]]}} {{read|type=gray[[Volunteering]]}} }} {{Inline expand |/❘&nbsp;Asiacareer&nbsp;&&nbsp;growth&nbsp;▸|{{read|[[JapanJob&nbsp;architecture]]}} {{read|[[Hong KongInternal&nbsp;mobility]]}} {{read|[[ChinaTotal&nbsp;rewards]]}} {{read|[[Indonesia]]}} {{read|[[Thailand]]}} {{read|[[Philippines]]}} {{read|[[South KoreaPersonalized&nbsp;development]]}} }} {{Inline expand |/&nbsp;Latin❘&nbsp;Americacommitments&nbsp;▸|{{read|[[BrazilBusiness]]}} {{read|[[ColombiaClimate&nbsp;change&nbsp;&&nbsp;strategy]]}} {{read|[[Mexico]]}} }} {{Inline expand |/Inclusive&nbsp;transversals&nbsp;▸|{{read|[[AXA Partnersprotection]]}} {{read|[[AXA GOResponsible&nbsp;corporation]]}} }}
 
{{Row header|resultspeople&nbsp;▸}} {{Inline expand |/❘&nbsp;pressleading&nbsp;releasefigures&nbsp;▸|{{read|[[2025Claude Bébéar]]}} {{read|[[2024Henri de Castries]]}} {{read|[[2023]]}}Thomas {{read|[[see&nbsp;all&nbsp;▸Buberl]]|type=gray}} }} {{Inline expand |/❘&nbsp;analystboard&nbsp;presentation&nbsp;▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/&nbsp;financial&nbsp;supplementscommittees&nbsp;▸|{{read|[[2025]]}}Antoine {{read|[[2024Gosset-Grainville]]}} {{read|[[2023]]}}Guillaume {{read|[[see&nbsp;all&nbsp;▸Faury]]|type=gray}} }} {{Inline expand |/&nbsp;activity&nbsp;report&nbsp;▸|{{read|[[2025]]}}Angelien {{read|[[2024Kemna]]}} {{read|[[2023]]}}AXA {{readBoard of Directors|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/❘&nbsp;annualmanagement&nbsp;reportcommittee&nbsp;▸|{{read|[[2025]]}}George {{read|[[2024Stansfield]]}} {{read|[[2023]]}}Guillaume {{read|[[see&nbsp;all&nbsp;▸Borie]]|type=gray}} }} {{Inline expand |/&nbsp;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|peopleresults&nbsp;▸}} {{Inline expand |/❘&nbsp;leadingpress&nbsp;figuresrelease&nbsp;▸|{{read|[[Claude Bébéar2025]]}} {{read|[[Henri de Castrie2024]]}} {{read|[[Thomas2023]]}} Buberl{{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/❘&nbsp;boardanalyst&nbsp;of&nbsp;directorspresentation&nbsp;▸|{{read|[[Antoine Gosset-Grainville2025]]}} {{read|[[Guillaume Faury2024]]}} {{read|[[Angelien Kemna2023]]}} {{read|[[see&nbsp;all&nbsp;▸]]|type=gray}} }} {{Inline expand |/❘&nbsp;managementfinancial&nbsp;committeesupplement&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 |/❘&nbsp;partnersannual&nbsp;groupreport&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 |/&nbsp;risk&nbsp;basics&nbsp;▸|{{read|[[Frequency vs severity]]}} {{read|[[Hazard, exposure, peril]]}} {{read|[[Correlation & aggregation]]}} }} {{Inline expand |/&nbsp;how&nbsp;insurance&nbsp;works&nbsp;▸|{{read|[[Pooling & risk transfer]]}} {{read|[[Indemnity vs benefits]]}} {{read|[[Premium now, claims later]]}} }} {{Inline expand |/&nbsp;incentives&nbsp;&&nbsp;frictions&nbsp;▸|{{read|[[Adverse selection]]}} {{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 |/&nbsp;policy&nbsp;essentials&nbsp;▸|{{read|[[Insurable interest, good faith]]}} {{read|[[Coverage, exclusions]]}} {{read|[[Limits & deductibles]]}} }} {{Inline expand |/&nbsp;core&nbsp;metrics&nbsp;▸|{{read|[[Loss, expense, combined]]}} {{read|[[Persistency & lapse]]}} {{read|[[Acquisition economics]]}} }} {{Inline expand |/&nbsp;time&nbsp;value&nbsp;▸|{{read|[[Discounting]]}} {{read|[[Trend & social inflation]]}} {{read|[[Duration risk]]}} }} {{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 & transparency]]}} }}▼
 
{{Row header|productsdocuments&nbsp;▸}} {{Inline expand |/❘&nbsp;lifegroup&nbsp;standards&nbsp;▸|{{read|[[TermCommunication, wholeBrand, ULReputation standard]]}} {{read|[[MortalitySustainability & lapsestandard]]}} {{read|[[Riders]]}}Price }}Sensitive {{Inlineor expand |/&nbsp;health&nbsp;▸|{{read|[[Medical vsInside incomeInformation protectionstandard]]}} {{read|[[Group vs individual]]}} {{read|[[Utilization levers]]}} }} {{Inline expand |/see&nbsp;annuitiesall&nbsp;▸|{{read|[[Immediate vs deferred]]}} {{read|[[Guarantees]]}} {{read|[[Longevity risk]]type=gray}} }} {{Inline expand |/❘&nbsp;group&nbsp;benefitsS2&nbsp;▸|{{read|[[Plan design]]}} {{read|[[Experience rating]]}} {{read|[[Renewals]]}} }} {{Inline expand |/&nbsp;personal&nbsp;linespolicies&nbsp;▸|{{read|[[MotorGroup &Internal homeAudit policy]]}} {{read|[[RatingGroup factors]]}}Compliance {{read|[[Claims inflationpolicy]]}} }} {{Inline expand |/&nbsp;commercial&nbsp;lines&nbsp;▸|{{read|[[PropertyGroup P&C liability]]}}Underwriting {{read|[[LimitsPricing &and towersClams policy]]}} {{read|[[Risk engineering]]}} }} {{Inline expand |/see&nbsp;specialtyall&nbsp;▸|{{read|[[Marine, aviation, energy]]}} {{read|[[Financial lines]]}} {{read|[[Parametric]]type=gray}} }} {{Inline expand |/&nbsp;Underwriting❘&nbsp;govothers&nbsp;▸|{{read|[[AppetiteGroup &AI authoritypolicy]]}} {{read|[[QuoteGroup toSanctions bindPolicy]]}} {{read|[[PortfolioGroup steering]]}}Anti-Money }}Laundering {{Inline expand |/&nbsp;lifecycle&nbsp;▸|{{read|[[Design & pricingPolicy]]}} {{read|[[Wording & filings]]}} {{read|[[Monitoring & remediation]]}} }} {{Inline expand |/see&nbsp;policy&nbsp;adminall&nbsp;▸|{{read|[[Issuance & endorsements]]}} {{read|[[Billing]]}} {{read|[[Retention]]type=gray}} }}
 
{{Row header|distribution&nbsp;&&nbsp;opstoolkits&nbsp;▸}} {{Inline expand |/❘&nbsp;channelsprojects&nbsp;▸|{{read|[[Agent/broker/bankMethodology]]}} {{read|[[Direct & digitalSteering]]}} {{read|[[EmbeddedBusiness &case partnersbuilder]]}} }} {{Inline expand |/&nbsp;sales&nbsp;&&nbsp;advice&nbsp;▸|{{read|[[NeedsRisk & suitability]]}} {{read|[[Tools & disclosures]]}} {{read|[[Conversion levers]]}} }} {{Inline expand |/&nbsp;intermediary&nbsp;econ&nbsp;▸|{{read|[[Commissions & clawbacks]]}} {{read|[[Conflicts control]]}} {{read|[[Delegated authority]]}} }} {{Inline expand |/&nbsp;onboarding&nbsp;▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]}} {{read|[[Consent & privacy]]}} }} {{Inline expand |/&nbsp;Underwriting&nbsp;ops&nbsp;▸|{{read|[[STP vs manual]]}} {{read|[[Evidenceissue mgmt]]}} {{read|[[QA & audits]]}} }} {{Inline expand |/&nbsp;claims❘&nbsp;opspresentations&nbsp;▸|{{read|[[FNOL & triageStorylining]]}} {{read|[[Settlement &Slide leakagetemplates]]}} {{read|[[LitigationAsset & recoverylibrary]]}} }} {{Inline expand |/❘&nbsp;fraud&nbsp;mgmtprocurement&nbsp;▸|{{read|[[DetectionSupplier & SIUonboarding]]}} {{read|[[ProviderP2P fraudprocess]]}} {{read|[[RecoveriesContracting]]}} }} {{Inline expand |/&nbsp;service&nbsp;model&nbsp;▸|{{read|[[Shared3rd services]]}} {{read|[[Outsourcingparty risk]]}} {{read|[[SLAs & outcomes]]}} }} {{Inline expand |/&nbsp;tech&nbsp;&&nbsp;data&nbsp;▸|{{read|[[PAS, claims, billing]]}} {{read|[[CRM & omni-channel]]}} {{read|[[Platforms & APIs]]}} }} {{Inline expand |/&nbsp;productivity&nbsp;▸|{{read|[[Cost-to-serve]]}} {{read|[[Automation]]}} {{read|[[Ops KPIs]]}} }}
 
{{Row header|finance&nbsp;&&nbsp;actuarial&nbsp;▸}} {{Inline expand |/&nbsp;pricing&nbsp;▸|{{read|[[Expected loss & margin]]}} {{read|[[Credibility]]}} {{read|[[Price adequacy]]}} }} {{Inline expand |/&nbsp;reserving&nbsp;▸|{{read|[[Case vs IBNR]]}} {{read|[[Triangles & diagnostics]]}} {{read|[[Reserve risk]]}} }} {{Inline expand |/&nbsp;life&nbsp;liabilities&nbsp;▸|{{read|[[Assumptions & 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 |/&nbsp;ALM&nbsp;▸|{{read|[[Portfolio basics]]}} {{read|[[Duration & liquidity]]}} {{read|[[Credit risk]]}} }} {{Inline expand |/&nbsp;performance&nbsp;▸|{{read|[[Underwriting result]]}} {{read|[[Operating vs net income]]}} {{read|[[Key ratios]]}} }} {{Inline expand |/&nbsp;accounting&nbsp;▸|{{read|[[IFRS 17]]}} {{read|[[IFRS 9]]}} {{read|[[Statutory bases]]}} }} {{Inline expand |/&nbsp;solvency&nbsp;▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} {{Inline expand |/&nbsp;steering&nbsp;▸|{{read|[[Growth vs value]]}} {{read|[[Re-pricing actions]]}} {{read|[[Scenario planning]]}} }} {{Inline expand |/&nbsp;model&nbsp;gov&nbsp;▸|{{read|[[Assumption control]]}} {{read|[[Validation]]}} {{read|[[Data governance]]}} }}
 
▲{{Row header|regulation&nbsp;&&nbsp;gov&nbsp;▸}} {{Inline expand |/&nbsp;purpose&nbsp;▸|{{read|[[Protection]]}} {{read|[[Stability]]}} {{read|[[Integrity]]}} }} {{Inline expand |/&nbsp;prudential&nbsp;▸|{{read|[[Solvency II & RBC]]}} {{read|[[ORSA]]}} {{read|[[Supervisory reporting]]}} }} {{Inline expand |/&nbsp;conduct&nbsp;▸|{{read|[[Product governance]]}} {{read|[[Claims standards]]}} {{read|[[Fair value]]}} }} {{Inline expand |/&nbsp;supervision&nbsp;▸|{{read|[[Entity structures]]}} {{read|[[Intra-group flows]]}} {{read|[[Recovery & resolution]]}} }} {{Inline expand |/&nbsp;gov&nbsp;model&nbsp;▸|{{read|[[Board oversight]]}} {{read|[[Three lines]]}} {{read|[[Internal audit]]}} }} {{Inline expand |/&nbsp;compliance&nbsp;▸|{{read|[[AML/CTF]]}} {{read|[[Sanctions]]}} {{read|[[Third-party risk]]}} }} {{Inline expand |/&nbsp;tax&nbsp;▸|{{read|[[Premium taxes]]}} {{read|[[Deferred tax]]}} {{read|[[Cross-border issues]]}} }} {{Inline expand |/&nbsp;ESG&nbsp;▸|{{read|[[Underwriting & investment]]}} {{read|[[Disclosures]]}} {{read|[[Transition risk]]}} }} {{Inline expand |/&nbsp;resilience&nbsp;▸|{{read|[[Cyber security]]}} {{read|[[Operational resilience]]}} {{read|[[Data privacy]]}} }} {{Inline expand |/&nbsp;emerging&nbsp;▸|{{read|[[Cyber & systemic]]}} {{read|[[Insurtech & embedded]]}} {{read|[[Alternative capital]]}} }}
</div>
 
{{section separator}}
 
== Markets, competitors & targets ==
== Competitors ==
<div class="main-page-menu">
{{Row header|europeMNC&nbsp;▸}} {{Inline expand |/❘&nbsp;Francemulti-liners&nbsp;▸|{{read|[[Crédit Agricole AssurancesAllianz]]}} {{read|[[CNP AssurancesZurich]]}} {{read|[[Groupama]]}} {{read|[[Crédit Mutuel Alliance Fédérale (GACM)]]}} {{read|[[BNP Paribas Cardif]]}} }} {{Inline expand |/&nbsp;Germany&nbsp;▸|{{read|[[Allianz]]}} {{read|[[Munich Re (ERGO Group)Generali]]}} {{read|[[Talanx (HDI)]]}} {{read|[[R+V Versicherung]]}} {{read|[[Generali DeutschlandMAPFRE]]}} }} {{Inline expand |/❘&nbsp;SwitzerlandP&nbsp;▸|{{read|[[Schweizerische Mobiliar]]}} {{read|[[Zürich Versicherung (Zurich)]]}} {{read|[[Allianz Suisse]]}} {{read|[[Helvetia]]}} {{read|[[Bâloise (Basler)]]}} }} {{Inline expand |/&nbsp;LuxembourgC&nbsp;▸|{{read|[[Foyer Assurances]]}} {{read|[[LALUX (La Luxembourgeoise)]]}} {{read|[[Bâloise Assurances Luxembourg]]}} {{read|[[AllianzChubb]]}} {{read|[[AIG]]}} }} {{Inline expand |/&nbsp;Italy&nbsp;▸|{{read|[[GeneraliTravelers]]}} {{read|[[Intesa SanpaoloLiberty VitaMutual]]}} {{read|[[PosteTokio Vita]]}} {{read|[[Allianz]]}} {{read|[[UnipolMarine]]}} }} {{Inline expand |/❘&nbsp;SpainLife&nbsp;▸|{{read|[[MAPFRE]]}} {{read|[[VidaCaixa (CaixaBank Group)]]}} {{read|[[Mutua Madrileña]]}} {{read|[[Allianz Seguros]]}} {{read|[[Grupo Catalana Occidente (GCO)]]}} }} {{Inline expand |/&&nbsp;UKHealth&nbsp;▸|{{read|[[Aviva]]}} {{read|[[Legal & GeneralBupa]]}} {{read|[[Prudential]]}} {{read|[[Zurich Insurance UKplc]]}} {{read|[[Allianz InsuranceMetLife]]}} }} {{Inline expand |/&nbsp;Ireland&nbsp;▸|{{read|[[Irish LifeAIA Group]]}} {{read|[[Zurich Insurance plc (Ireland)]]}} {{read|[[Aviva Life & Pensions Ireland]]}} {{read|[[New Ireland Assurance]]}} {{read|[[Royal London Ireland]]}} }} {{Inline expand |/&nbsp;Turkey&nbsp;▸|{{read|[[Türkiye Sigorta]]}} {{read|[[Allianz Sigorta]]}} {{read|[[Anadolu Sigorta]]}} {{read|[[Sompo Sigorta]]}} {{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 |/&nbsp;Bermuda&nbsp;market&nbsp;▸|{{read|[[AXA XL]]}} {{read|[[XL Bermuda]]}} {{read|[[Everest Re]]}} {{read|[[RenaissanceRe]]}} {{read|[[Arch Capital (Arch Re)]]}} {{read|[[PartnerRe]]}} {{read|[[Aspen]]}} }} {{Inline expand |/&nbsp;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;UnitedBermuda&nbsp;Statesmarket&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;&&nbsp;trustamerica&nbsp;▸}} {{Inline expand |/❘&nbsp;empathyUnited&nbsp;&&nbsp;serviceStates&nbsp;▸|{{read|[[Themarket Effortless Experienceoverview]]}} {{read|[[OutsideXL InAmerica]]}} {{read|[[Hug Your HatersTravelers]]}} {{read|[[Unreasonable HospitalityChubb]]}} }} {{Inline expand |/&nbsp;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 |/&nbsp;Japan&nbsp;▸|{{read|[[Nippon Life]]}} {{read|[[Dai-ichi Life]]}} {{read|[[Tokio Marine]]}} {{read|[[Sompo]]}} {{read|[[MS&AD (Mitsui Sumitomo)]]}} }} {{Inline expand |/&nbsp;Hong&nbsp;Kong&nbsp;▸|{{read|[[HSBC Life (International)]]}} {{read|[[AIA International]]}} {{read|[[Prudential (HK) Life]]}} {{read|[[BOC Life]]}} {{read|[[Manulife (International)]]}} }} {{Inline expand |/&nbsp;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]]}} }} {{Inline expand |/&nbsp;Indonesia&nbsp;▸|{{read|[[Prudential Indonesia]]}} {{read|[[AIA Financial]]}} {{read|[[Manulife Indonesia]]}} {{read|[[Allianz Life Indonesia]]}} {{read|[[Sun Life Indonesia]]}} }} {{Inline expand |/&nbsp;Thailand&nbsp;▸|{{read|[[AIA Thailand]]}} {{read|[[FWD Life Thailand]]}} {{read|[[Thai Life Insurance]]}} {{read|[[Muang Thai Life Assurance]]}} {{read|[[Allianz Ayudhya]]}} }} {{Inline expand |/&nbsp;Philippines&nbsp;▸|{{read|[[Sun Life]]}} {{read|[[Pru Life U.K.]]}} {{read|[[Manulife]]}} {{read|[[AIA Philippines]]}} {{read|[[FWD]]}} }} {{Inline expand |/&nbsp;South&nbsp;Korea&nbsp;▸|{{read|[[Samsung Fire & Marine]]}} {{read|[[Hyundai Marine & Fire]]}} {{read|[[DB Insurance]]}} {{read|[[Meritz Fire & Marine]]}} {{read|[[KB Insurance]]}} }}
 
{{Row header|latinasia&nbsp;america▸}} {{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]]}} }} {{Inline expand |/❘&nbsp;BrazilHong&nbsp;Kong&nbsp;▸|{{read|[[BrasilSegmarket overview]]}} {{read|[[BradescoHSBC SegurosLife (International)]]}} {{read|[[SulAméricaAIA International]]}} {{read|[[PortoPrudential Seguro(HK) Life]]}} {{read|[[BOC Life]]}} {{read|[[Manulife (International)]]}} {{read|[[Caixasee Seguridademore]]}} }} {{Inline expand |/❘&nbsp;ColombiaChina&nbsp;▸|{{read|[[Grupomarket Suraoverview]]}} {{read|[[SegurosChina AlfaLife]]}} {{read|[[SegurosPing BolívarAn]]}} {{read|[[PICC (People’s Insurance Company of China)]]}} {{read|[[CPIC (China Pacific Insurance)]]}} {{read|[[New China Life]]}} {{read|[[see more]]}} }} {{Inline expand |❘&nbsp;Indonesia&nbsp;▸|{{read|[[market overview]]}} {{read|[[Prudential Indonesia]]}} {{read|[[AIA Financial]]}} {{read|[[Manulife Indonesia]]}} {{read|[[Allianz Life Indonesia]]}} {{read|[[MAPFRESun Life Indonesia]]}} {{read|[[see more]]}} }} {{Inline expand |/❘&nbsp;MexicoThailand&nbsp;▸|{{read|[[GNPmarket Segurosoverview]]}} {{read|[[MetLifeAIA MéxicoThailand]]}} {{read|[[BBVAFWD SegurosLife Thailand]]}} {{read|[[BanorteThai SegurosLife Insurance]]}} {{read|[[QuálitasMuang Thai Life Assurance]]}} {{read|[[Allianz Ayudhya]]}} {{read|[[see more]]}} }} {{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]]}} }} {{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 |❘&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 |/❘&nbsp;Mtrend&Anbsp;radar&nbsp;▸|{{read|[[Generali–CattolicaEmerging (2022)risks]]}} {{read|[[Allianz–AvivaTech Poland (2021)]]}} {{read|[[Chubb–Cigna A&H APACAI (2022)watch]]}} }} {{Inline expand |/&nbsp;carve-outs&nbsp;▸|{{read|[[AIGCustomer → Corebridge IPO (2022)behavior]]}} {{read|[[PrudentialRegulatory → Jackson demerger (2021)]]}} {{read|[[Allianz sells UniCredit Allianz Vita stake (2025)horizon]]}} }} {{Inline expand |/❘&nbsp;buybacksbriefings&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)]]}} }} {{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)]]}} }} {{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)]]}} }} {{Inline expand |/❘&nbsp;GenAI&nbsp;assistants&nbsp;▸|{{read|[[AllianzGPT (internal, 2025)]]}} {{read|[[Generali KAssis (claims knowledge, 2025)]]}} {{read|[[Generali “Chatty” (customer chatbot, 2023–24)]]}} }} {{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)]]}} }} {{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]]}} }} {{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 & aggregation]]}} }} {{Inline expand |/❘&nbsp;conversationshow&nbsp;insurance&nbsp;works&nbsp;feedback▸|{{read|[[Pooling & risk transfer]]}} {{read|[[Indemnity vs benefits]]}} {{read|[[Premium now, claims later]]}} }} {{Inline expand |❘&nbsp;incentives&nbsp;&&nbsp;frictions&nbsp;▸|{{read|[[CrucialAdverse Conversationsselection]]}} {{read|[[DifficultMoral Conversationshazard]]}} {{read|[[ThanksInformation forasymmetry]]}} the}} Feedback{{Inline expand |❘&nbsp;industry&nbsp;structure&nbsp;▸|{{read|[[Insurers, mutuals, captives]]}} {{read|[[RadicalBrokers, MGAs, TPAs]]}} {{read|[[Reinsurers & Candorretro]]}} }} {{Inline expand |/❘&nbsp;storytellingpolicy&nbsp;essentials&nbsp;▸|{{read|[[Insurable interest, good faith]]}} {{read|[[Coverage, exclusions]]}} {{read|[[Limits & deductibles]]}} }} {{Inline expand |❘&nbsp;core&nbsp;thinkingmetrics&nbsp;▸|{{read|[[TheLoss, Pyramidexpense, Principlecombined]]}} {{read|[[MadePersistency to& Sticklapse]]}} {{read|[[StorytellingAcquisition witheconomics]]}} Data}} {{Inline expand |❘&nbsp;time&nbsp;value&nbsp;▸|{{read|[[Discounting]]}} {{read|[[TalkTrend Like& social inflation]]}} {{read|[[Duration TEDrisk]]}} }} {{Inline expand |/❘&nbsp;writingCat&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;stakeholderslife&nbsp;▸|{{read|[[Term, whole, UL]]}} {{read|[[Mortality & lapse]]}} {{read|[[Riders]]}} }} {{Inline expand |/❘&nbsp;persuasionhealth&nbsp;▸|{{read|[[InfluenceMedical vs income protection]]}} {{read|[[Pre-SuasionGroup vs individual]]}} {{read|[[InfluenceUtilization Withoutlevers]]}} Authority}} {{Inline expand |❘&nbsp;annuities&nbsp;▸|{{read|[[Immediate vs deferred]]}} {{read|[[TheGuarantees]]}} Art{{read|[[Longevity ofrisk]]}} Woo}} {{Inline expand |❘&nbsp;group&nbsp;benefits&nbsp;▸|{{read|[[Plan design]]}} {{read|[[Experience rating]]}} {{read|[[Renewals]]}} }} {{Inline expand |/❘&nbsp;negotiationpersonal&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{{read|[[Risk Positiveengineering]]}} No}} {{Inline expand |❘&nbsp;specialty&nbsp;▸|{{read|[[Marine, aviation, energy]]}} {{read|[[Financial lines]]}} {{read|[[Parametric]]}} }} {{Inline expand |/❘&nbsp;conflictUnderwriting&nbsp;gov&nbsp;▸|{{read|[[Appetite & authority]]}} {{read|[[Quote to bind]]}} {{read|[[Portfolio steering]]}} }} {{Inline expand |❘&nbsp;alignmentlifecycle&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|leadership&nbsp;&&nbsp;peopledistribution&nbsp;▸}} {{Inline expand |/&nbsp;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]]}} }} {{Inline expand |/❘&nbsp;sales&nbsp;&&nbsp;teamsadvice&nbsp;▸|{{read|[[TheNeeds Five& Dysfunctions of a Teamsuitability]]}} {{read|[[TeamTools of& Teamsdisclosures]]}} {{read|[[Drive]]}} {{read|[[The CultureConversion Codelevers]]}} }} {{Inline expand |/❘&nbsp;changeintermediary&nbsp;&&nbsp;executionecon&nbsp;▸|{{read|[[LeadingCommissions Change]]}}& {{read|[[Switchclawbacks]]}} {{read|[[TheConflicts First 90 Dayscontrol]]}} {{read|[[AccelerateDelegated authority]]}} }}
 
{{Row header|collaborationoperations&nbsp;&▸}} {{Inline expand |❘&nbsp;cultureonboarding&nbsp;▸|{{read|[[KYC/AML basics]]}} {{read|[[Fraud screening]]}} {{read|[[Consent & privacy]]}} }} {{Inline expand |/❘&nbsp;cross-culturalunderwriting&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]]}} }} {{Inline expand |/❘&nbsp;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]]}} }} {{Inline expand |/❘&nbsp;remotetech&nbsp;&&nbsp;hybriddata&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;timepricing&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;decisionreinsurance&nbsp;making▸|{{read|[[Proportional vs non-prop]]}} {{read|[[Retentions & limits]]}} {{read|[[Credit & collateral]]}} }} {{Inline expand |❘&nbsp;ALM&nbsp;▸|{{read|[[Thinking,Portfolio Fastbasics]]}} and{{read|[[Duration & Slowliquidity]]}} {{read|[[DecisiveCredit risk]]}} }} {{Inline expand |❘&nbsp;performance&nbsp;▸|{{read|[[SuperforecastingUnderwriting result]]}} {{read|[[TheOperating vs Scoutnet Mindsetincome]]}} {{read|[[Key ratios]]}} }} {{Inline expand |/❘&nbsp;resilienceaccounting&nbsp;▸|{{read|[[IFRS 17]]}} {{read|[[IFRS 9]]}} {{read|[[Statutory bases]]}} }} {{Inline expand |❘&nbsp;solvency&nbsp;stress▸|{{read|[[Available vs required]]}} {{read|[[Economic capital]]}} {{read|[[Stress tests]]}} }} {{Inline expand |❘&nbsp;steering&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;▸}} {{Inline expand |/❘&nbsp;risk&nbsp;basicspurpose&nbsp;▸|{{read|[[Frequency vs severityProtection]]}} {{read|[[Hazard, exposure, perilStability]]}} {{read|[[Correlation & aggregationIntegrity]]}} }} {{Inline expand |/&nbsp;how&nbsp;insurance❘&nbsp;worksprudential&nbsp;▸|{{read|[[PoolingSolvency II & risk transferRBC]]}} {{read|[[Indemnity vs benefitsORSA]]}} {{read|[[Premium now, claimsSupervisory laterreporting]]}} }} {{Inline expand |/&nbsp;incentives&nbsp;&❘&nbsp;frictionsconduct&nbsp;▸|{{read|[[AdverseProduct selectiongovernance]]}} {{read|[[MoralClaims hazardstandards]]}} {{read|[[InformationFair asymmetryvalue]]}} }} {{Inline expand |/❘&nbsp;industry&nbsp;structuresupervision&nbsp;▸|{{read|[[Insurers,Entity mutuals, captivesstructures]]}} {{read|[[Brokers, MGAs,Intra-group TPAsflows]]}} {{read|[[ReinsurersRecovery & retroresolution]]}} }} {{Inline expand |/❘&nbsp;policygov&nbsp;essentialsmodel&nbsp;▸|{{read|[[InsurableBoard interest, good faithoversight]]}} {{read|[[Coverage,Three exclusionslines]]}} {{read|[[Limits &Internal deductiblesaudit]]}} }} {{Inline expand |/&nbsp;core❘&nbsp;metricscompliance&nbsp;▸|{{read|[[Loss, expense, combinedAML/CTF]]}} {{read|[[Persistency & lapseSanctions]]}} {{read|[[AcquisitionThird-party economicsrisk]]}} }} {{Inline expand |/❘&nbsp;time&nbsp;valuetax&nbsp;▸|{{read|[[DiscountingPremium taxes]]}} {{read|[[TrendDeferred & social inflationtax]]}} {{read|[[DurationCross-border riskissues]]}} }} {{Inline expand |/❘&nbsp;CatESG&nbsp;▸|{{read|[[Underwriting & investment]]}} {{read|[[Disclosures]]}} {{read|[[Transition risk]]}} }} {{Inline expand |❘&nbsp;systemicresilience&nbsp;▸|{{read|[[Nat CatCyber accumulationsecurity]]}} {{read|[[PandemicOperational riskresilience]]}} {{read|[[CyberData contagionprivacy]]}} }} {{Inline expand |/&nbsp;role&nbsp;&❘&nbsp;trustemerging&nbsp;▸|{{read|[[ProtectionCyber & resiliencesystemic]]}} {{read|[[FairnessInsurtech & inclusionembedded]]}} {{read|[[Conduct &Alternative transparencycapital]]}} }}
▲{{Row header|customer&nbsp;&&nbsp;trust&nbsp;▸}} {{Inline expand |/&nbsp;empathy&nbsp;&&nbsp;service&nbsp;▸|{{read|[[The Effortless Experience]]}} {{read|[[Outside In]]}} {{read|[[Hug Your Haters]]}} {{read|[[Unreasonable Hospitality]]}} }} {{Inline expand |/&nbsp;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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