Relevant bibliographies by topics / Regulation of investment linked insurance

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  2. Dissertations / Theses
  3. Books
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Academic literature on the topic 'Regulation of investment linked insurance'

Author: Grafiati
Published: 4 June 2021
Last updated: 11 February 2022

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Journal articles on the topic "Regulation of investment linked insurance"

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Sena, Christine Magdalena Kurniasih, and Suherman Suherman. "Tanggung Jawab Hukum Perjanjian Asuransi Jiwa Unit Link di PT. Prudential Life Assurance Jakarta." Wajah Hukum 5, no. 1 (April 23, 2021): 61. http://dx.doi.org/10.33087/wjh.v5i1.342.

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This study aims to determine and understand how the legal liability of the Prudential Life Assurance Company in carrying out and marketing unit-linked life insurance products, namely insurance products that are linked to investment according to the prevailing laws and regulations. In addition, this study also aims to determine how the responsibility of agent who act for and on behalf of the company in entering into unit-linked insurance product agreements and what risks must be borne by the insurer and the insured against the unit-linked life insurance agreement. This research uses normative legal research with a statutory approach and a conceptual approach. The result of this research is that the unit linked insurance agreement is included in the agreement in general which contains the principle of consensualism, namely the existence of a voluntary agreement in this case to enter into an insurance contract agreement between the insurer and the insured. Prudential Indonesia in marketing unit-linked life insurance products has also complied with the provisions in the Financial Services Authority Circular Letter Number /SEOJK.05/2019 concerning Insurance Products Related to Investment.
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Rose, Nancy L. "Fear of Flying? Economic Analyses of Airline Safety." Journal of Economic Perspectives 6, no. 2 (May 1, 1992): 75–94. http://dx.doi.org/10.1257/jep.6.2.75.

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The safety of the commercial airline industry has attracted considerable attention in the wake of airline deregulation, amid growing concerns that the historical superiority of U.S. jet carriers' safety records may have been linked to economic regulation of the industry by the Civil Aeronautics Board. These worries have energized economic research on a broad range of questions relating to airline safety. I describe our progress in answering four questions: First, has airline safety declined since deregulation? Second, how has airline deregulation affected the safety of travelers overall, (taking into account indirect channels through which airline deregulation may have changed travel risks, including the substitution of commuter airlines for jet service and the replacement of highway driving by air travel)? Third, what accounts for differences in safety performance across carriers? Fourth, what are the market penalties for airline accidents? (If consumers and insurance companies penalize airlines with worse safety records, carriers may be disinclined to reduce safety investment, even if regulatory changes would permit them to do so.)
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Gupta, Anant. "Unit Linked Insurance Products (ULIPs) - Insurance or Investment?" Procedia - Social and Behavioral Sciences 37 (2012): 67–85. http://dx.doi.org/10.1016/j.sbspro.2012.03.276.

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Poufinas, Thomas, and Dimitrios Zygiotis. "How transparency affects investment-linked insurance products." International Advances in Economic Research 23, no. 4 (November 2017): 405–18. http://dx.doi.org/10.1007/s11294-017-9661-9.

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Rozhenko, Oleksandra. "LEGAL REGULATION OF INVESTMENT INSURANCE IN UKRAINE." Law Journal of Donbass 71 (June 2020): 89–96. http://dx.doi.org/10.32366/2523-4269-2020-71-2-89-96.

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Zaletov, О. "STATE REGULATION OF INVESTMENT INSURANCE COMPANIES IN UKRAINE." Bulletin of Taras Shevchenko National University of Kyiv Economics, no. 180 (2016): 25–32. http://dx.doi.org/10.17721/1728-2667.2016/180-3/4.

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Chen, An, Thai Nguyen, and Mitja Stadje. "Optimal investment under VaR-Regulation and Minimum Insurance." Insurance: Mathematics and Economics 79 (March 2018): 194–209. http://dx.doi.org/10.1016/j.insmatheco.2018.01.008.

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Kolobov, A. "Efficiency of investment activities of insurance companies in the framework of state investment policy." Normirovanie i oplata truda v promyshlennosti (Rationing and remuneration of labor in industry), no. 10 (October 1, 2020): 67–74. http://dx.doi.org/10.33920/pro-3-2010-08.

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The article defines the essence of the investment activities of insurance companies. The peculiarities of the investment activity of insurance companies. Substantiates the basic problems of investment activity of insurance companies and offered possible solutions. The contribution of the insurance sector in the formation of investment resources. Directions of perfection of state regulation of investment activity of insurance companies in Russia.
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Eshchanova, Dauletbike Ametbekovna. "Innovative Implementation Of Investment Insurance In The Republic Of Uzbekistan." American Journal of Political Science Law and Criminology 03, no. 06 (June 12, 2021): 109–15. http://dx.doi.org/10.37547/tajpslc/volume03issue06-16.

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This article examines the civil regulation of the innovative implementation of investment insurance activities in the Republic of Uzbekistan, the issues of attracting and using investments through innovative activities. The article provides definitions of the basic concepts of innovation in the field of investment insurance and legal innovation. The analysis of the civil legislation in force in the field of foreign investment insurance regulation and innovative implementation of investment insurance in the country has been carried out. Furthermore, proposals will be made to improve legislation in the field of investment insurance in the republic by introducing IT technologies in the process of investment insurance activities.
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Kokoris, Athanasios, Fragiskos Archontakis, and Christos Grose. "Market risk assessment." Journal of Risk Finance 21, no. 2 (April 13, 2020): 111–26. http://dx.doi.org/10.1108/jrf-05-2019-0078.

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Purpose This study aims to examine whether the methodology proposed by the European Supervisory Authorities (ESAs) within Delegated Regulation (European Union) 2017/653 for the calculation of market risk of certain packaged retail and insurance-based investment products (PRIIPs) is the most appropriate. Design/methodology/approach Risk models are put into effect to validate the appropriateness of the methodology announced by ESAs. ESAs have announced that the unit-linked (UL) products, labeled as Category II PRIIPs, will be subject to the Cornish–Fisher value-at-risk (CFVaR) methodology for their market risk assessment. We test CFVaR at 97.5% confidence level on 70 UL products, and we test Cornish–Fisher expected shortfall (CFES) at the same confidence level, which acts as a counter methodology for CFVaR. Findings The paper provides empirical insights about the Cornish-Fisher (CF) expansion being a method that incorporates the possibility of financial instability. When CFVaR by ESAs is calculated, it is shown that CF is in general a more robust risk model than the simpler historical ones. However, when CFES is applied, important points are derived. First, only in half of the occasions the CF expansion can be considered as a reliable method. Second, the CFES is a more coherent risk measure than CFVaR. We conclude that the CF expansion is unable to accurately estimate the market risk of UL products when excessive fat-tailed or non-symmetrical distributions are present. Hence, we suggest that a different methodology could also be considered by the regulatory bodies which will capture the excessive values of products in financial distress. Originality/value Literature, both theoretical and applied, regarding PRIIPs, is not extended. Although business and regulators research has begun to intensify in the last two years, to our knowledge this is one of the first studies that uses the CFES methodology for market risk assessment of Category II PRIIPs. In addition, we use a unique data set from a country in the headwinds of the recent financial crisis. This research contributes both to the academic and business community by enriching the existing literature and aiding risk managers in assessing the market risk of certain Category II PRIIPs. Considering the recent efforts of the regulatory authorities at the beginning of 2020 to implement certain amendments to the PRIIPs, we indicate relative risks related with the calculation of the market risk of the aforementioned products. Our findings could contribute to regulatory authorities’ persistent efforts in wrapping up this ongoing project.
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Dissertations / Theses on the topic "Regulation of investment linked insurance"

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Leboho, Nakedi Wilson. "Quantitative Risk Management and Pricing for Equity Based Insurance Guarantees." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/96980.

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Thesis (MSc)--Stellenbosch University, 2015
ENGLISH ABSTRACT : Equity-based insurance guarantees also known as unit-linked annuities are annuities with embedded exotic, long-term and path-dependent options which can be categorised into variable and equity indexed annuities, whereby investors participate in the security markets through insurance companies that guarantee them a minimum of their invested premiums. The difference between the financial options and options embedded in equity-based policies is that financial ones are financed by the option buyers’ premiums, whereas options of the equity-based policies are financed by also continuous fees that follow the premium paid first by the policyholders during the life of the contracts. Other important dissimilarities are that equity-based policies do not give the owner the right to sell the contract, and carry not just security market related risk, but also insurance related risks such as the selection rate, behavioural, mortality, others and the systematic longevity. Thus equity-based annuities are much complicated insurance products to precisely value and hedge. For insurance companies to successfully fulfil their promise of eventually returning at least initially invested amount to the policyholders, they have to be able to measure and manage risks within the equity-based policies. So in this thesis, we do fair pricing of the variable and equity indexed annuities, then discuss management of financial market and insurance risks management.
AFRIKAANSE OPSOMMING : Aandeel-gebaseerde versekering waarborg ook bekend as eenheid-gekoppelde annuiteite is eksotiese, langtermyn-en pad-afhanklike opsies wat in veranderlike en gelykheid geindekseer annuiteite, waardeur beleggers neem in die sekuriteit markte deur middel van versekering maatskappye wat waarborg hulle ’n minimum van geklassifiseer kan word hulle belˆe premies. Die verskil tussen die finansi¨ele opsies en opsies is ingesluit in aandele-gebaseerde beleid is dat die finansi¨ele mense is gefinansier deur die opsie kopers se premies, terwyl opsies van die aandele-gebaseerde beleid word deur ook deurlopende fooie wat volg op die premie wat betaal word eers deur die polishouers gefinansier gedurende die lewe van die kontrakte. Ander belangrike verskille is dat aandele-gebaseerde beleid gee nie die eienaar die reg om die kontrak te verkoop, en dra nie net markverwante risiko sekuriteit, maar ook versekering risiko’s, soos die seleksie koers, gedrags, sterftes, ander en die sistematiese langslewendheid. So aandeel-gebaseerde annuiteite baie ingewikkeld versekering produkte om presies waarde en heining. Vir versekeringsmaatskappye suksesvol te vervul hul belofte van uiteindelik ten minste aanvanklik belˆe bedrag terug te keer na die polishouers, hulle moet in staat wees om te meet en te bestuur risiko’s binne die aandeel-gebaseerde beleid. So in hierdie tesis, ons doen billike pryse van die veranderlike en gelykheid geïndekseer annuiteite, bespreek dan die bestuur van finansiele markte en versekering risiko’s bestuur.
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Costa, Nuno Emanuel Martins. "Os seguros ligados a fundos de investimento : Unit-Linked." Master's thesis, Instituto Superior de Economia e Gestão, 2002. http://hdl.handle.net/10400.5/18840.

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Mestrado em Ciências Actuariais
O sector dos seguros de vida tem registado, durante os últimos anos, um crescimento muito forte por toda a Europa. O constante desenvolvimento de novos produtos é uma consequência do aparecimento de novas necessidades associadas quer à protecção de riscos quer à rentabilidade de poupanças. O crescente dinamismo dos mercados de capitais europeus, proporcionando bons rendimentos, e a descida generalizada das taxas de juro, têm conduzido a uma aposta cada vez maior em seguros ligados a fundos de investimento, em substituição de produtos com taxas garantidas cada vez mais baixas. A vantagem dos seguros Unit-Linked consiste assim no facto de permitirem ao Tomador aproveitar simultaneamente os rendimentos dos mercados de capitais e os benefícios fiscais dos seguros de vida. Este estudo pretende dar a compreender um pouco do que são, e como funcionam, os seguros ligados a fundos de investimento, numa altura em que Portugal parece ainda estar a despertar para estes produtos. Evidenciando as vantagens quer para os Tomadores quer para as seguradoras, pretende-se ainda demonstrar o potencial destes seguros para o mercado português, à semelhança do que já acontece noutros países da Europa.
For the last years the sector of life insurance has registered a strong increase ali over Europe. The constant development of new products is a consequence of the appearance of new needs which are associated both to the protection of risks and to the profitability of savings. The increasing activity of European stock markets, which provide good incomes, and the general drop of interest rates have led to growing confidence in insurances associated to investment funds, which replace those products whose guaranteed rates are increasingly low. Thus, the advantage of Unit-Linked insurance consists in the fact that they allow the insurance taker to benefit by incomes from stock markets simultaneously with fiscal benefits from life insurances. This research aims at providing some understanding of insurances associated to investment funds and how they work, in a time when Portugal seems to be still awakening to these products. By making clear the advantages both for the insurance taker and the insurance companies, there is further intention to demonstrate the potential of such insurances for the Portuguese market, similar to what is already happening in other European countries.
info:eu-repo/semantics/publishedVersion
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Klofáč, Michal. "Regulace finančního poradenství v České republice." Master's thesis, Vysoká škola ekonomická v Praze, 2013. http://www.nusl.cz/ntk/nusl-198026.

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Consulting one's personal finance with a financial advisor should allow even the less financially educated to optimize their financial portfolio. The client-advisor relationship is however a strong case of information asymmetry, which can result in harm being made to the client by the advisor, either knowingly (when the advisor attempts to maximize their own utility, even at the client's cost) or unknowingly (e.g. when the advisor is inadequately qualified in the field). One of the ways to reduce such risks is a proper regulatory framework, which is the core subject of the thesis. At first, the thesis analyzes the current state of financial advisory in the Czech Republic (how it is performed, what part of the population benefits from it, what the main problems are etc.) and shows how the client-advisor interaction ought to be performed. The main part of the thesis describes what the main problems and risks for the client are and which legal measures exist that can reduce these negative effects. The current legal framework in the Czech Republic is then thoroughly analyzed and compared with best-practice of select EU states. Finally, legal measures which are currently being discussed or passed as laws are mentioned. In the very end, other measures which could help make the field of financial advisory in the Czech Republic more efficient are suggested. The aim of the thesis is to provide a compact overview of the regulatory measures currently affecting financial advisory in the Czech Republic, show them in the international context and test the hypothesis that the Czech market of financial advisory is still relatively immature and that further appropriate regulation would improve its effectiveness resulting in higher protection of clients.
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Janata, Michal. "Právní úprava distribuce finančních produktů retailového typu v České republice." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-264628.

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The thesis analyses legal environment of the financial services market in relation with business practice of retail financial products distribution in Czech republic. It describes current legislation and instruments of regulation of the distributional activities both on national and supra-national (european) level. Furthermore, it introduces the development of regulation in light of identified weaknesses of legislation, leading to specific recommendations and measures ensuring vast consumer protection and fixing the level-playing-field in distribution throughout various sectors of financial markets and their layovers. The conclusions are based on author´s theoretical studies of economic and legal context and private business practice.
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El, Bernoussi Khalid. "Stabilité financière des banques et régulation." Thesis, Paris 2, 2011. http://www.theses.fr/2011PA020057.

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Les banques sont des institutions à part, car elles sont au coeur du fonctionnement des économies et de la dynamique de croissance des pays. Leurs services représentent de ce fait un bien public, et il est donc primordial de les maintenir éloignées autant que possible du risque de faillite. Toutefois, des crises bancaires surviennent régulièrement et affectent les sociétés, souvent de manière durable et profonde, à l’image de la crise financière des subprimes qui a éclaté en 2007, et dont nous ne connaissons pas encore toutes les conséquences désastreuses. Pour prévenir le risque de faillite et de crises bancaires, les autorités de régulation nationales ont développé des filets de sécurité qui, en partie, suivent les standards internationaux de réglementation et de supervision bancaire développés par le Comité de Bâle sur le contrôle bancaire, sous l’égide de la Banque des Règlements Internationaux. Cependant, les crises récurrentes se produisent et nous montrent les limites de la régulation bancaire et, surtout, nous indiquent que celle-ci doit être en permanence revue et adaptée, de façon dynamique, à l’évolution des systèmes bancaires et de l’innovation financière. L’un des principaux objectifs est de s’assurer que les banques soient suffisamment et solidement capitalisées pour faire face à des pertes exceptionnelles inattendues. Par ailleurs, il est primordial, afin d’assurer une stabilité financière durable, que les superviseurs bancaires soient à même de contrôler efficacement les banques et d’entreprendre les actions nécessaires pour que ces dernières demeurent à des niveaux de risques engagés raisonnables et qui ne menacent ni leur solvabilité, ni celle de l’ensemble du système bancaire. Enfin, les banques sont censées être régulées par le marché (discipline de marché), sur la base des informations qu’elles sont tenues de divulguer publiquement, sur leur santé financière. Dans ces politiques de régulation bancaire et de prévention du risque de crise, il ne faut pas oublier le rôle de l’assureur dépôt, à qui certains économistes et instances internationales veulent prêter de plus en plus de pouvoir sur les banques. Nous montrons dans notre travail de thèse, à travers des analyses empiriques menées sur des données contemporaines, les insuffisances des politiques de régulation et de supervision bancaire, les erreurs commises dans l’approche de la régulation bancaire, et nous présentons les aspects qu’il serait souhaitable de prendre en compte, pour approcher une politique de réglementation et de supervision bancaire plus efficace, et dynamique, dans l’objectif de maintien de la stabilité bancaire. Nous avançons notamment qu’il est nécessaire de mieux prendre en compte la nature de l’activité des différents types d’institutions financières qui composent les systèmes bancaires, et dont la nature et le degré d’exposition aux risques ne sont pas les mêmes. Il est également important de considérer les caractéristiques de l’environnement institutionnel dans lequel évoluent les banques, de manière à développer une structure de supervision adaptée et efficace. En définitive, nous étudions dans cette thèse un large ensemble de déterminants économiques et institutionnels, susceptibles d’impacter la stabilité bancaire, de manière à identifier celles des politiques de régulation qu’il s’agirait de mettre en oeuvre, afin d’assurer dans l’avenir un meilleur maintien de la stabilité financière des banques
Banks are special institutions because they are central to the functioning of economies and to economic growth. Their services represent a public good. Therefore, it is essential to keep them as far as possible from risk of bankruptcy. However, banking crises occur regularly and affect societies, often dramatically and over a long period, like the current subprime financial crisis which burst into 2007, and which consequences are still not very well perceived. To prevent the risk of bankruptcy and banking crisis, the national authorities of regulation have developed safety nets. These follow partially the international standards of regulation and banking supervision developed by the Basel Committee on Banking Supervision under the aegis of the Bank for International Settlements. However, recurrent crises occur and show us the limits of the banking regulation and, especially, indicate that the latter should be continually revised and adapted to the evolution of banking systems and financial innovations. One of the main goals is to make sure that banks are enough capitalized to face unexpected large losses. In order to achieve long-lasting financial stability, it is essential that banking supervisors can monitor efficiently banks. By doing so, the risk taken by banks would be sustainable and would not threaten either their own solvency or the whole banking system solvency. Finally, banks are supposed to be regulated by the market (market discipline) on the basis of information about their financial health which should be disclosed publicly. Along the policies of banking regulation and crisis risk prevention, one should not forget the role of the deposit insurers. Indeed, some economists and international authorities want to attribute more power over banks to deposit insurers. In our research, the empirical analysis, based on contemporary data, show the weakness of the actual regulation and banking supervision policies and the mistakes in banking regulation. Different features of the banking system that should be taken into account for an efficient implementation of regulation and banking supervision policies are also discussed in this work. Hence, we suggest that the type of financial institutions' activities should be better taken into account as it changes with the degree of risk exposure. We also find that it is important to consider the characteristics of the institutional environment in which banks evolve in order to develop a suitable and efficient supervision agency. To summarize, we study in this thesis a large range of economic and institutional determinants of the banking system, which are likely to affect the banking stability. By doing so, we are able to identify the regulation policies which would be the most likely to preserve the financial stability of banks
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TingTingChiang and 蔣婷婷. "The Study on Investment Linked-Insurance Products." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/76531141720142352016.

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碩士
大葉大學
事業經營研究所
91
The Study on Investment Linked-Insurance Products Epitome The worldwide depression causes interest rate facing its critical point at 0%. Taiwan is staying inside the weak global economy and no chance to raise its interest rate in the near future. Owing to the poor banking interest rate， the conservative investors and the investors escaping from the risk of stock market can choice not only at bonds but at investment linked-insurance as another financial tool that meets both the need of stable benefit and insurance. The conclusion of this study is as follow: 1. This stage is the best time for promoting investment linked-insurance. 2. The promotion of investment linked-insurance not only provides the consumers a multi choice of insurance product， but also has marked the maturity of Taiwan insurance company. 3. The promotion of investment linked-insurance signifies the trends of the enlightenment of consumer consciousness， the independence of investment choice， and the innovation of insurance management. 4. The insurance employee has to transform himself as a “multi mention financial management consultant” raising his core competitiveness so as not to be weeded out by financial integration. 5. The insurance companies have to integrate their resources forming an economic scale and marching to variation of product， integration of circulation， and organization of management. 6. The transformation of competitive mode between insurance companies. Keyword:Investment Linked-Insurance
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LIN, CHIA-YI, and 林佳怡. "A Study on Investment-Linked Insurance Policy." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/51976588806032059724.

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陳雅正. "Study on Regution of Investment Linked Insurance." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/15074679528601127632.

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碩士
國立政治大學
風險管理與保險學系
89
For facilitating of cross-business operation of the insurance industry, increasing policyholders’ choices in financial services, and shifting attach of interest risk, investment linked insurance products will introduced into the Taiwan insurance market soon. Based on it’s special features, the regulation of investment linked insurance should be different from the regulation of traditional life insurance. This paper defines the scope of investment linked insurance and discourses it’s nature and special features in the first place, and then describes it’s historical evolution and main types. In terms of insurance regulation, it is generally divided into two broad categories: i.e. financial regulation and market conduct regulation. This paper studies on the issues of regulation of investment linked insurance in such an approach. With regard to financial regulation of investment linked insurance, five aspects of regulation of investment linked insurance are examined: separate accounts, investments, liability reserves, surrender cash value and tax. With regard to market conduct regulation, this paper includes four aspects: operational qualification, information discourse, products and marketing. Finally the author submits his conclusion and recommendations to the regulatory authority to enhance the framework of regulation of investment linked insurance in Taiwan.
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CHEN, SU-YIN, and 陳淑吟. "The Characteristics of the Investment-Linked Insurance Development." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/bb32eu.

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碩士
靜宜大學
管理碩士在職專班
106
After engaging in insurance for 20 years, the interest rate from traditional insurance policy is 8% to 2.25%, because traditional office premiums become more expensive as the interest rate is lowered. In 2002, when the interest rate was set at 4%, Taiwan also started to have investment-type insurance policies. It was known that investment-type insurance policies are much cheaper than traditional insurance policies, but there are risks. After experiencing the financial tsunami in 2008, we learned more about the advantages of investment-based insurance. Investment-oriented insurance products are a type of financial instrument that has functions such as investment, insurance, tax, financial management, asset preservation, and pre-production tax sources. Assets are allocated through investment-based insurance policies, and long-term ownership is also a good retirement planning tool. First, you can achieve financial goals and complete financial freedom. When designing the beneficiaries when planning insurance protection, the use of insurance policies can solve the problem of property distribution and can also be used for asset transfer. Taiwan’s insurance has the highest penetration rate in the world. According to the statistics of the insurance center, the average premium per person (ie, insurance density) reached NT$150,000, and the insurance coverage was only 560,000 yuan. The protection was obviously insufficient. Through investment-type insurance policies, you can increase security, meet different stages of demand, and achieve the significance and function of insurance. At the same time, you can also achieve the virtues of the country's love for savings. In this process, we also participate in many cases of clients. I will also share in the cases to let more people understand the advantages of investment-type insurance products.
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LIN, JIE-FAN, and 林玠帆. "A Strategy Analysis for Investment-linked Insurance Products." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/58204008083679728266.

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碩士
國立宜蘭大學
人文及管理學院高階經營管理碩士在職專班
104
Sales of investment-linked insurance products, which combine features of insurance products and investment tools, have grown substantially since 2002 and have thus attracted wide attention. The majority of investment-linked insurance products are associated with mutual funds, and a majority of holders adopt either a buy and hold strategy or periodic fixed investment strategy, rarely bringing technical analysis into consideration. This study thus utilizes the concept of moving averages to construct an investment strategy in an attempt to improve investment performance. Results of empirical analysis achieved through clustering and regression reveal that the moving averages strategy designed in this study was more effective than a buy and hold strategy and performed best for regional equity funds. The win rate was highest for single-country equity funds. The results of this study offer strategic implications for investment-linked insurance holders regarding investment selection and market entrance timing.
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Books on the topic "Regulation of investment linked insurance"

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Lewis, David B. Investment linked insurance plans.: A money management handbook. London: Financial Times Business Information, 1988.

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Investment guarantees: Modeling and risk management for equity-linked life insurance. Hoboken, NJ: John Wiley & Sons, 2003.

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Emerging issues in insurance regulation: Hearing before the Subcommittee on Securities, Insurance, and Investment of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Twelfth Congress, first session ... September 14, 2011. Washington: U.S. G.P.O., 2012.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance. The Federal Home Loan Bank Board's proposed direct investment regulation: Hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session, on H. Con. Res. 34 ... March 27, 1985. Washington: U.S. G.P.O., 1985.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance. The Federal Home Loan Bank Board's proposed direct investment regulation: Hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session, on H. Con. Res. 34 ... March 27, 1985. Washington: U.S. G.P.O., 1985.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. International Competitiveness of United States Financial Institutions Task Force. Financial condition of the bank and thrift industries: Hearings before the Subcommittee on Financial Institutions Supervision, Regulation, and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session. Washington: U.S. G.P.O., 1986.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment. Streamlining regulation, improving consumer protection, and increasing competition in insurance markets: Hearing before the Subcommittee on Securities, Insurance, and Investment of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, first session ... March 19, 2013. Washington: U.S. Government Printing Office, 2013.

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Consolidation of NASD and the regulatory functions of the NYSE: Working towards improved regulation : hearing before the Subcommittee on Securities and Insurance and Investment of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, first session, on the overall impact and outcome of the consolidation on the regulatory scheme including but not limited to the areas of rules, governance, enforcement and compliance, advertising, arbitration, funding, and the potential impact on investors, Thursday, May 17, 2007. Washington: U.S. G.P.O., 2009.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Insurance. The Federal Home Loan Bank Board's proposed direct investment regulation: Hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session, on H. Con. Res. 34 ... March 27, 1985. Washington: U.S. G.P.O., 1985.

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Regulating hedge funds and other private investment pools: Hearing before the Subcommittee on Securities, Insurance, and Investment of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eleventh Congress, first session, on examining the regulation of hedge funds and other private investment pools to assist regulators in addressing fraud and preventing systemic risk in our capital markets, July 15, 2009. Washington: U.S. G.P.O., 2010.

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Book chapters on the topic "Regulation of investment linked insurance"

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Noussia, Kyriaki. "The IDD and Its Impact on the Life Insurance Industry." In AIDA Europe Research Series on Insurance Law and Regulation, 75–112. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_4.

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AbstractThe life insurance sector not only pertains to a variety of distributors, such as for example, ‘bancassurance’ entities combining investments services, investment and insurance products, but also to the large portion of unit-linked/investment based life insurance products. Major legal changes introduced by Directive (EU) 2016/97 (“IDD”) will therefore need to be carefully considered and anticipated by the life insurance industry, including specific professional and organizational requirements, specific information standards for insurance-based investment products, which will include the provision of appropriate information and requirements for advice to be suitable, restrictions on remuneration, and special requirements relating to the advice to be provided to the customer by any distributor related to costs and charges or to the distribution of the product—including the cost of advice. The international character of the Life Insurance has an important impact on the work to the implementation of IDD which aims at a so-called minimum harmonization. No doubt that the implementation may appear wide and burdensome, but it is a unique opportunity for all entities involved to achieve a good balance of liabilities between the professionals involved, review risk management options and look for sustainable business alternatives. This chapter examines the impact of IDD on life insurance and addresses the harmonization impact and effect of the IDD in the insurance industry.
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Siri, Michele. "Insurance-Based Investment Products: Regulatory Responses and Policy Issues." In AIDA Europe Research Series on Insurance Law and Regulation, 113–35. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52738-9_5.

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AbstractThe chapter aims to analyse the recent reform of the EU regulatory framework as regards insurance-based investment products (IBIPs). The current regime provided for IBIPs offers stronger protection to all customers, regardless of the channel of distribution. In line with the EU plan to provide consistent cross-sectorial investor protection across all Member States, many IDD provisions are based on the corresponding MiFID II rules, even though some differences remain and should be further elaborated in connection with the inconsistencies, overlaps and gaps in the investor protection as far as the distribution of the IBIPs is concerned. Furthermore, several Member States have exercised the discretions recognised by the IDD as regards IBIPs mainly to gold plate investor protection measures. However, such an uncoordinated approach undermines the internal market’s objectives. Therefore, the chapter advises EIOPA to use its powers to coordinate Member States’ measures and ensure transparency about National Competent Authorities’ measures in this respect.
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Focarelli, Dario. "Why Insurance Regulation Is Crucial for Long-Term Investment and Economic Growth." In Insurance Regulation in the European Union, 339–59. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-61216-4_15.

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Colaert, Veerle. "Product Information for Banking, Investment and Insurance Products." In European Financial Regulation. Hart Publishing, 2019. http://dx.doi.org/10.5040/9781509926480.ch-013.

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"Packaged Retail and Insurance-based Investment Products Regulation." In A Guide to Financial Regulation for Fintech Entrepreneurs, 225–28. Chichester, UK: John Wiley & Sons, Ltd, 2018. http://dx.doi.org/10.1002/9781119436775.ch22.

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Haentjens, Matthias. "Financial Institutions." In Moss, Fletcher and Isaacs on the EU Regulation on Insolvency Proceedings. Oxford University Press, 2016. http://dx.doi.org/10.1093/oso/9780199687800.003.0007.

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This chapter considers the Insurance Directive and the Solvency II Directive, directives that concern the reorganization and winding-up of insurance undertakings. It examines how European regulation has been adopted so that financial institutions can and must make use of a single authorization granted by the home Member State’s supervisory authority. Both of the Directives apply to insolvency proceedings concerning national and legal persons; however, four categories of financial institutions are excluded: the insurance undertakings; credit institutions; investment firms and other firms, institutions and undertakings to the extent that they are covered by Directive 2001/24/EC of the European Parliament and of the Council; and collective investment undertakings. The chapter also discusses the Settlement Finality and Collateral Directive and the Credit Institutions Directive, where settlement in effect represents the satisfaction or payment of a monetary obligation owed or owing by a counterparty to a financial institution.
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Kaj, Hobér. "9 Part III: Investment Promotion and Protection." In The Energy Charter Treaty. Oxford University Press, 2020. http://dx.doi.org/10.1093/law/9780199660995.003.0009.

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This chapter explores Part III of the Energy Charter Treaty, which sets forth the provisions on substantive protection of investments. Promotion and protection of investments are different things. Promotion of investment is concerned with attracting and permitting foreign investments. Protection of investment deals with the way in which investments must be treated, once they have been made. As a matter of policy, however, promotion and protection of investments are closely linked. That explains why the two concepts are addressed in one and the same article of the ECT: Article 10, which is entitled ‘Promotion, Protection and Treatment of Investments’. The chapter then describes the concept of fair and equitable treatment (FET). Article 11 of the ECT obliges Contracting Parties to treat key personnel of Investors in a fair way. Article 12 deals with loss of and damage to the property of Investors in situations where Article 13, concerning expropriation, is not applicable. Article 14 in essence creates a right for Investors to repatriate capital and earnings in a prompt and effective way. Article 15, a so-called subrogation clause, provides for the transfer of rights that a foreign investor may have in relation to the host State, if it has received compensation from its home state under an investment insurance or guarantee. Meanwhile, Article 16 addresses the situation when the ECT overlaps with other treaties. Lastly, Article 17 restricts the benefits of Part III of the ECT to certain categories of legal entities or Investments of Investors.
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Auty, Richard M., and Haydn I. Furlonge. "Prospective Growth Impacts of Export Services." In The Rent Curse, 174–202. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198828860.003.0008.

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Since the 1980s, sophisticated export services in India have outpaced manufacturing in driving rapid growth of the economy and labour productivity. Prior to this, India repressed its emerging comparative advantage in labour-intensive manufactures and agriculture, and created large regulatory rents to pursue a heavy industry big push during 1955–65. A growth collapse of the mid-1960s ushered in two decades of slow economic growth and rising surplus labour until expanding debt forced faster reform. The dynamism of Indian export services reflects light regulation and investment by nationals linked to ICT companies in Silicon Valley and Greater Boston. The Gulf states also generated insufficient employment, but through resource-based industrialization that traced a staple trap trajectory. Governments responded by overexpanding public sector employment, which proved unsustainable and triggered a protracted growth collapse. Gulf governments may need to run undervalued exchange rates if export services are to absorb nationals from the public sector into productive private sector employment.
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Samuel, Delyth, and Danny Samson. "Government Insurer Enters the Brave New World." In IT Outsourcing, 1379–90. IGI Global, 2010. http://dx.doi.org/10.4018/978-1-60566-770-6.ch085.

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Governments provide a wide range of services, and the digital economy provides both threats and opportunities in this sector. The Transport Accident Commission (TAC) is a compulsory, government owned and operated insurance scheme for third-party, no-fault liability insurance for transport accident victims, operated in Victoria, Australia. E-business has now been widely used in all sectors from small business (Loane, McNaughton, & Bell, 2004) to emerging economies (Li & Chang, 2004), and in very different industry sectors (Cagno, Di Giulio, & Trucco, 2004; Golden, Hughes, & Gallagher, 2003). Major steps forward and applications have occurred in retailing (Leonard & Cronan, 2003; Mackay, Altmann, & McMichael, 2003; Starr, 2003). Applications need to be highly customized as the business-to-consumer (B2C) and business-to-business (B2B) environments are very different, and requirements of industries such as retailing and mining, and indeed government, differ substantially (Carter, 2003; He & Lung, 2002; Rotondaro, 2002). Government provides a particularly different environment for e-business applications because government services are often delivered in monopoly circumstances, with no real profit motive behind them. At the height of the technology boom in October 1999, Tony Marxsen joined the TAC as head of IT to develop a new IT outsourcing contract for the organization as the current 5-year contract was due to end in July 2000. He quickly realized that the TAC IT systems were out of date, lacked IT process integration, and were constraining improvement in business processes, and that no significant investments had been made for some time. Renewing or redesigning the outsourcing contract, the basis for which he had been employed, would only be a short-term solution. The problem was that the cost of new infrastructure would be high, and return on technology investment would mainly be realized from redesigned business processes enabled by the new technology. Tony wanted to propose a business transformation, with process changes as well as significant investment in IT infrastructure. Together, these would take the TAC from 1970s technology into the 21st century. The problem was that their (investments in such transformation) payoffs are not easily and quickly achieved. Their value does not come from installing the technology; it comes from changing both operating and management processes—perhaps operating and managing cultures too. (Ross & Beath, 2002, p. 53) Tony knew he would have to win the support of the board and senior management, but he could not immediately give them a concrete business case for the investment. He also knew that any infrastructure investment had to be linked with a major process-improvement initiative from the start to avoid the double investment of building new applications to support old processes, and then undertaking major modifications or even replacement when the need for improvement became obvious to the board and management team. He compared investing in IT infrastructure to rewiring and replumbing your house: as far as visitors are concerned, there’s no visible difference, everything’s behind the walls, but as the owner you get the benefits of things like cheaper electricity and water bills because of efficiencies in the new redesigned systems. The problem is convincing people that they will get these results in the future, but that they need to hand over the money now, when there’s no hard evidence for the benefits they’ll get, just a bunch of assumptions and no guarantees. It’s a big ask for any Board. (Marxsen, personal communication, September 4, 2003) Tony knew that the first hurdle he would have to overcome would be getting the board to agree to give him the opportunity to put together a team to develop a business case for the board’s further consideration.
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Conference papers on the topic "Regulation of investment linked insurance"

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Brown, N. S. "FINANCIAL AND MANAGEMENT ESSENCE OF THE ORGANIZATIONAL AND ECONOMIC MECHANISM OF AGRICULTURAL INVESTMENT INVESTMENT." In STATE AND DEVELOPMENT PROSPECTS OF AGRIBUSINESS Volume 2. DSTU-Print, 2020. http://dx.doi.org/10.23947/interagro.2020.2.446-448.

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This article reveals the financial and managerial essence of the organizational and economic mechanism for investing in the agro-industrial complex, the conditions ensuring its functioning and development. The prospects for the country's economic recovery are inextricably linked with the intensification of banking, industrial and commercial capital, which activates the organizational and economic mechanism of investment. Under the state administration in the agrarian sector, the areas of regulation of investment processes include flexible organizational processes, their potential development, combining centralized and decentralized management capable of effectively using developing technologies and modern mechanisms for using financial investments.
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