Regulatory concerns mount as Dutch insurers maintain guarantees
Dutch insurers have strongly resisted pressure to drop guarantee levels despite plunging interest rates and mounting regulatory concerns. With surplus capital quickly being eaten up to support these uneconomic guarantees, how long can the Dutch market go before the casualties start to mount? Hugo Coelho reports
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The low interest rate environment has been fuelling a revolution in the business model of life insurers. Falling yields on sovereign bonds have pulled down the level of interest rate guarantees to close to zero and policyholders are being pushed in the direction of a new generation of unit-linked products that follow the market’s ups and downs. This is especially true for insurers in Northern European countries that have a long tradition of high guaranteed
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