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Insight Report: Solvency II - Beyond Implementation

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Published Content info 45 Pages
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Insight Report: Solvency II - Beyond Implementation
Published: July 13, 2016 Content info: 45 Pages

This publication has been discontinued on January 11, 2019.


Timetric's 'Insight Report: Solvency II - Beyond Implementation' analyzes the developments in the insurance industry following the implementation of Solvency II on January 1, 2016.

Most insurers in Europe region have found taht their risk management and governance strategies have improved as a result of Solvency II. Moreover, the regime prepares the ground for a single insurance market across Europe, enabling insurers and reinsurers to operate under the same set of regulations.

It will increase the competitiveness of insurers and reinsurers, and provide the same level of consumer protection throughout the European insurance industry.

The report also discusses in detail Solvency II's impact on insurers' operations and investment activities. The new risk-based regulatory regime impacts day-to-day operations such as product development, pricing, investment and strategy. The impact will vary in each country depending on insurer's business lines, reserves and investment policies.


Timetric's "Insight Report: Solvency II - Beyond Implementation" conducts a detailed analysis about the current state of Solvency II. It provides:

  • An overview of the Solvency II Directive, and discusses important features in terms of capital adequacy, supervision and disclosure.
  • Fundamental analysis of risk-based regulatory approach in insurance industry, and an understanding the significance of Solvency II to stakeholders in the insurance industry.
  • Analysis of market opportunities and challenges faced by insurers and reinsurers following the implementation of Solvency II.
  • An understanding of Solvency II's impact on insurers' business models, including product lines, pricing, investments and strategy.


  • The report discusses in detail the intricacies related to the high capital requirements under Solvency II, and also explains how elements of volatility adjustment, matching adjustment and ultimate forward rate can influence the solvency capital requirement.
  • It analyzes the impact of Solvency II on insurer's investments, including the effect of capital charges on insurers' capital.
  • It discusses the cost and complexity of Solvency II. It also describes challenges with respect to data requirements to meet the objectives of all three pillars of Solvency II.
  • It builds understanding of the decision process, and types of Solvency II equivalence.

Reasons To Buy

  • Gain an understanding of transitional measures that can be used to reduce the impact of Solvency II in the short term.
  • Understand opportunities and challenges to optimize investment returns under the Solvency II regime.
  • Develop an insight into the impact of Solvency II on life insurance, non-life insurance, and reinsurance.
  • Understand the global impact of Solvency II on European insurance and reinsurance groups operating outside Europe, and Non-European insurance and reinsurance groups operating in Europe.
Table of Contents
Product Code: IS1229MR

Table of Contents

1. Executive Summary

2. Solvency II at Glance

3. The Need for a New Regulatory Regime - Solvency II

4. Solvency II Directive - An Overview

  • 4.1. Pillar I: Capital Adequacy
  • 4.2. Pillar II: Supervision
  • 4.3. Pillar III: Disclosure

5. Transitional Measures

6. Solvency II Equivalence

7. The Impact on Business Operations

  • 7.1. Life Insurance
  • 7.2. Reinsurance
  • 7.3. Non-Life Insurance

8. The Impact on Investment Operations

9. Brexit and Solvency II

10. Conclusion

11. Appendix

  • 11.1. Methodology
  • 11.2. Contact Timetric
  • 11.3. About Timetric
  • 11.4. Timetric's Services
  • 11.5. Disclaimer

List of Tables

  • Table 1: Transitional Measure (Deadlines) for Submission of Information, 2017-2020
  • Table 2: Solvency II Equivalence Decisions
  • Table 3: Capital Charges for Asset Classes
  • Table 4: Employing Derivative for Risk Management

List of Figures

  • Figure 1: Scope of Solvency II in Top European Insurance Markets
  • Figure 2: Number of Insurance Companies in Europe (2010-2014)
  • Figure 3: Significance of Solvency II
  • Figure 4:Solvency II Timeline, 2009-2032
  • Figure 5: Solvency II and the Three Pillars
  • Figure 6: Impact of Solvency Requirement on Company's Balance Sheet
  • Figure 7: Impact of Solvency II on Life Insurance Products
  • Figure 8: Impact of Solvency II on Assets
  • Figure 9: Assets under Management in Europe, 2004-2014 (Billions)
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