• February 2017: IASB

    Amends guidance and revisits tentative decisions from external review draft of IFRS 17 Insurance Contracts.

  • Navigating volatility post-Solvency II

    We analyze the Directive’s first year, including volatility drivers, why investors and management are focusing on capital generation and how insurers should fine-tune their messaging.

  • The political landscape and policy uncertainty

    Insurance Governance Leadership Network participants met recently to exchange views on the changing US political landscape and the potential effects on the insurance sector.

  • The transformation mandate for insurers

    Insurance Governance Leadership Network participants met recently to discuss the complexity and sustainability of enterprise transformation and the role of the board in these efforts.

  • Using behavioral analytics to drive customer value

    By applying analytics that assess both the characteristics and behaviors of their customers, insurers have powerful tools to meet higher customer expectations.

  • Innovation creating value in the insurance industry

    EY co-hosted a workshop with the Hong Kong Federation of Insurers (HKFI) on “Innovation creating value in the insurance industry” in the Asian Financial Forum.

  • 2017 Latin American insurance outlook

    Despite the dramatic economic downturn in the region in the past three years, insurers in the region have remained profitable and are poised for growth.

  • 2017 European insurance outlook

    Against a backdrop of political, economic and regulatory change, European insurers must rethink their strategies, products and business models to prepare for a transformed marketplace.

  • Ground rents: an opportunity for diversification

    In the current low-yield environment, ground rents are an asset class that offers attractive spreads and long-term cash flows with additional security.







然而保險公司正藉由善用科技以及發展能配合第二代償付能力 (Solvency II) 的業務模式加以因應,新的業務架構將能讓保險公司更快、更便宜地推出更優質的產品。




  • 您準備好迎接第二代償付能力(Solvency II)了嗎?



  • 精算與風險管理策略

    Never has it been more critical for insurance companies to identify and assess new options for value creation whilst continuing to manage the downside risks and complying with the requirements of new regulations such as Solvency II and IFRS. Insurance companies aspire to be well prepared and ready for the regulatory, economic and commercial uncertainties. We help companies identify sources of value creation and prepare them for these requirements and uncertainties.

    We have over 950 actuarial and insurance risk professionals across the globe, and by partnering with other services across EY, we aim to provide truly integrated services across all disciplines in the Insurance and Financial Services industries. Through our deep knowledge of the global insurance industry, local regulatory expertise and our understanding of the industry, we have built a strong reputation as a leading insurance industry advisor.

    We work with financial institutions (insurance companies, banks, pension funds, private equity firms, sovereign funds) as well as with local regulators to provide advisory services. Insurance companies worldwide are undergoing radical changes and there are some key questions to consider in the journey to value generation.

    • Risk and capital

      Insurance companies are increasingly changing their focus from static to dynamic optimisation of their risk portfolio as capital becomes a scarce resource and competition from other financial institutions increases. Dynamic optimisation involves continuous decision making on accepting, transferring, mitigating or rejecting risks and companies require credible, timely and fit for purpose insights to implement these decisions. We help companies optimise their risk portfolio under the current as well as expected new regulations such as Solvency II.

    • Customer and growth

      The insurance industry will be affected by a number of factors including environmental/political changes, socio-economic factors, product innovation and competition with other financial sectors, technological advancements and changing customer behaviour. We help companies understand these changes and help them prepare for these by providing practical experience and global insights and surveys. We also help companies understand which customers really create value and help with strategies to focus on value generating customer activities.

    • Financial reporting

      The insurance industry globally is undergoing a wave of new regulations and reporting requirements. It is important for companies to understand the implications of new reporting requirements, both on reported figures and on the wider business environment including companies’ business strategic and operational management. We help companies in understanding and preparing for an efficient external and internal reporting framework by providing actuarial services as part of integrated multi-disciplinary solutions.

    • Actuarial transformation and offshoring

      Insurance companies are increasing their focus on making actuarial and risk processes efficient and realising cost benefits. Companies are considering integrated finance, actuarial and risk reporting processes, use of shared service centres for achieving standardisation in quality of output, and off-shoring of certain actuarial skill sets to achieve cost-effectiveness. We help companies in simplifying their actuarial infrastructure and realising cost efficiency by streamlining or off-shoring/outsourcing their actuarial and finance reporting processes.

    • Modelling

      Actuarial and risk models are increasingly becoming important to the business operations and the focus on the output from these models is growing. Whilst the requirements for a fast close of actuarial reporting is a concern for companies, regulatory focus, and the requirement to put a robust control environment around models is increasing as well. We help companies make their actuarial and risk models efficient and fit for purpose.

    • Audit and Assurance

      Our actuaries work within our audit teams to assess the appropriateness and accuracy of the most critical elements of insurance company financial statements, including the actuarial reserves and other key estimates calculated using specialized actuarial techniques. Actuarial audit activities reduce the risk of critical errors in financial statements and the risk of inaccurate assessment of the financial risks to which the enterprise is exposed. Our actuaries provide insight to company management and Board of Directors on items of strategic importance. They also provide focused advisory assistance on matters observed through the audit process. Actuaries working in audit and assurance also perform audit-like services for non-audit clients, including reserve reviews, regulatory examinations and assistance in the adoption of new financial reporting standards.

    • Asset management

      Asset management is interlinked with capital optimisation, product optimisation and financial modelling. With continuing product innovation and competition from other financial sectors, optimal asset management strategies are key to achieving competitive advantage. We help companies in their asset liability management, derivative pricing and performance management.

    • Merger and acquisitions

      As companies revisit and optimise their portfolio, they will look to acquire and consolidate more attractive businesses, and dispose of the businesses where they cannot compete in. With depressed valuations in many insurance markets and the changing business strategy of large multinationals, the mergers and acquisitions market is poised to become more active. We provide integrated services with our Transaction Advisory team to help companies in valuations and post merger integration.

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  • 顧客議題




  • 業界現今所面臨的治理

    我們與Tapestry Network建立了保險管治領導網路 (IGLN),這是一個供亞洲、北美及歐洲最大的幾家保險公司非執行董事使用的全球網路。IGLN提供參與者的同儕論壇,討論全球業界面臨的重大議題













  • 營運與科技:執行效率












  • 新興市場的崛起













Innovation creating value in the insurance industry

EY - Innovation creating value in the insurance industry

EY co-hosted a workshop with the Hong Kong Federation of Insurers (HKFI) on “Innovation creating value in the insurance industry” in the Asian Financial Forum.