AXA BRAIN Library

A good CEO is not a micromanager but a 'Chief Excitement Officer' or 'Engagement Officer'

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AXA fundamentals

people ▸  |  leading figures ▸ Claude Bébéar Henri de Castrie Thomas Buberl  |  management committee ▸ George Stansfield Guillaume Borie Patrick Cohen see all ▸  |  partners group ▸ Etienne Bouas Laurent Renaud Guidée Tara Foley see all ▸  | 

regions ▸  |  europe ▸ France Germany Switzerland Luxembourg Italy Spain UK Ireland Turkey  |  axa xl ▸ XL Bermuda XL Reinsurance XL America see all ▸  |  asia ▸ Japan Hong Kong China Indonesia Thailand Philippines South Korea  |  latin america ▸ Brazil Colombia Mexico  |  transversals ▸ AXA Partners AXA GO  | 

Insurance fundamentals

fundamentals ▸  |  risk basics ▸ Frequency vs severity Hazard, exposure, peril, loss Correlation and aggregation  |  how insurance works ▸ Pooling and risk transfer Indemnity vs benefits Premium now, claims later  |  incentives & frictions ▸ Adverse selection Moral hazard Information asymmetry  |  industry structure ▸ Insurers, mutuals, captives Brokers, MGAs, TPAs Reinsurers and retro  |  policy essentials ▸ Insurable interest, good faith Coverage, exclusions, conditions Limits and deductibles  |  core metrics ▸ Loss/expense/combined ratio Persistency and lapse Acquisition economics  |  time value ▸ Discounting Trend and social inflation Duration risk  |  cat & systemic ▸ Nat cat accumulation Pandemic risk Cyber contagion  |  role & trust ▸ Protection and resilience Fairness and inclusion Conduct and transparency  | 

products ▸  |  life ▸ Term, whole, UL Mortality and lapse Riders  |  health ▸ Medical vs income protection Group vs individual Utilization levers  |  annuities ▸ Immediate vs deferred Guarantees Longevity risk  |  group benefits ▸ Plan design Experience rating Renewals  |  personal lines ▸ Motor and home Rating factors Claims inflation  |  commercial lines ▸ Property and liability Limits and towers Risk engineering  |  specialty ▸ Marine/aviation/energy Financial lines Parametric  |  u/w governance ▸ Appetite and authority Quote to bind Portfolio steering  |  lifecycle ▸ Design and pricing Wording and filings Monitoring and remediation  |  policy admin ▸ Issuance and endorsements Billing Retention  | 

distribution & ops ▸  |  channels ▸ Agent/broker/bank Direct and digital Embedded and partners  |  sales & advice ▸ Needs and suitability Tools and disclosures Conversion levers  |  intermediary econ ▸ Commissions and clawbacks Conflicts control Delegated authority  |  onboarding ▸ KYC/AML basics Fraud screening Consent and privacy  |  u/w ops ▸ STP vs manual Evidence management QA and audits  |  claims ops ▸ FNOL and triage Settlement and leakage Litigation and recovery  |  fraud mgmt ▸ Detection and SIU Provider fraud Recoveries  |  service model ▸ Shared services Outsourcing risk SLAs and outcomes  |  tech & data ▸ PAS/claims/billing CRM and omni-channel Platforms and APIs  |  productivity ▸ Cost-to-serve Automation Ops KPIs  | 

finance & actuarial ▸  |  pricing ▸ Expected loss and margin Credibility Price adequacy  |  reserving ▸ Case vs IBNR Triangles and diagnostics Reserve risk  |  life liabilities ▸ Assumptions and margins Options and behavior New business strain  |  reinsurance ▸ Proportional vs non-prop Retentions and limits Credit and collateral  |  alm ▸ Portfolio basics Duration and liquidity Credit risk  |  performance ▸ Underwriting result Operating vs net income Key ratios  |  accounting ▸ IFRS 17 IFRS 9 Statutory bases  |  solvency ▸ Available vs required Economic capital Stress tests  |  steering ▸ Growth vs value Re-pricing actions Scenario planning  |  model gov ▸ Assumption control Validation Data governance  | 

regulation & gov ▸  |  purpose ▸ Protection Stability Integrity  |  prudential ▸ Solvency II / RBC ORSA Supervisory reporting  |  conduct ▸ Product governance Claims standards Fair value  |  supervision ▸ Entity structures Intra-group flows Recovery and resolution  |  gov model ▸ Board oversight Three lines Internal audit  |  compliance ▸ AML/CTF Sanctions Third-party risk  |  tax ▸ Premium taxes Deferred tax Cross-border issues  |  esg ▸ Underwriting and investment Disclosures Transition risk  |  resilience ▸ Cyber security Operational resilience Data privacy  |  emerging ▸ Cyber and systemic Insurtech and embedded Alternative capital  | 

Competitors

europe ▸  |  france ▸ Crédit Agricole Assurances CNP Assurances Groupama Crédit Mutuel Alliance Fédérale (GACM) BNP Paribas Cardif  |  germany ▸ Allianz Munich Re (ERGO Group) Talanx (HDI) R+V Versicherung Generali Deutschland  |  switzerland ▸ Schweizerische Mobiliar Zürich Versicherung (Zurich) Allianz Suisse Helvetia Bâloise (Basler)  |  luxembourg ▸ Foyer Assurances LALUX (La Luxembourgeoise) Bâloise Assurances Luxembourg Allianz AIG  |  italy ▸ Generali Intesa Sanpaolo Vita Poste Vita Allianz Unipol  |  spain ▸ MAPFRE VidaCaixa (CaixaBank Group) Mutua Madrileña Allianz Seguros Grupo Catalana Occidente (GCO)  |  uk ▸ Aviva Legal & General Prudential Zurich Insurance UK Allianz Insurance  |  ireland ▸ Irish Life Group Zurich Insurance plc (Ireland) Aviva Life & Pensions Ireland New Ireland Assurance Royal London Ireland  |  turkey ▸ Türkiye Sigorta Allianz Sigorta Anadolu Sigorta Sompo Sigorta Aksigorta  | 

reinsurance & bermuda ▸  |  bermuda market ▸ AXA XL XL Bermuda Everest Re RenaissanceRe Arch Capital (Arch Re) PartnerRe Aspen  |  global re ▸ XL Reinsurance Munich Re Swiss Re Hannover Re Berkshire Hathaway (reinsurance) SCOR  | 

north america ▸  |  united states ▸ XL America Travelers Chubb Liberty Mutual Berkshire Hathaway Zurich  | 

asia ▸  |  japan ▸ Nippon Life Dai-ichi Life Tokio Marine Sompo MS&AD (Mitsui Sumitomo)  |  hong kong ▸ HSBC Life (International) AIA International Prudential (HK) Life BOC Life Manulife (International)  |  china ▸ China Life Ping An PICC (People’s Insurance Company of China) CPIC (China Pacific Insurance) New China Life  |  indonesia ▸ Prudential Indonesia AIA Financial Manulife Indonesia Allianz Life Indonesia Sun Life Indonesia  |  thailand ▸ AIA Thailand FWD Life Thailand Thai Life Insurance Muang Thai Life Assurance Allianz Ayudhya  |  philippines ▸ Sun Life Pru Life U.K. Manulife AIA Philippines FWD  |  south korea ▸ Samsung Fire & Marine Hyundai Marine & Fire DB Insurance Meritz Fire & Marine KB Insurance  | 

latin america ▸  |  brazil ▸ BrasilSeg Bradesco Seguros SulAmérica Porto Seguro Caixa Seguridade  |  colombia ▸ Grupo Sura Seguros Alfa Seguros Bolívar Allianz MAPFRE  |  mexico ▸ GNP Seguros MetLife México BBVA Seguros Banorte Seguros Quálitas  |