Date: 20th September 2022

This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and evaluate the fitness of a selection of life insurance companies’ solvency conditions and reporting. The solvency condition reflects how well-prepared an insurance company is to react and pay out insurance claims to policyholders in case of exceptionally adverse circumstances (worst-case scenarios).

Our second iteration on the Solvency and Financial Condition Reports (hereinafter “SFCRs” or “Solvency Reports” used interchangeably) provides a qualitative and quantitative analysis of the solvency conditions and reporting of the ten largest life insurance companies active in the five largest insurance markets in the European Union (Germany, France, Italy, Spain, and the Netherlands).