Description: The US and EU are each pursuing modernization of their regulatory frameworks. The purpose of this paper is to provide a discussion of the emerging developments, the historical contexts or drivers of each, and potential implications for insurers. The paper discusses some of the global, wider financial services, and insurance specific activities underway that are influencing solvency developments for life insurers. It provides an overview of the differences in the current US and EU regimes and the regulatory changes underway. The paper then identifies key valuation implications, the impact on pricing and product design, and risk management implications.

Description: This report details the 2025 HMI and FMI scale recommendations for individual life insurance mortality valuation under AG38 and VM20 using insured population data.

Description: A biennial survey analyzing financial risk awareness and retirement transition experiences of Americans aged 45–80.