Insurers across China, Taiwan and South Korea are bolstering capital buffers and refining investment strategies as low rates and volatility strain traditional earnings models.
The move extends the Insurance Authority's remuneration framework to the bancassurance channel, requiring banks to spread the bulk of their commissions over at least five years.
A prolonged low-rate environment is forcing Chinese insurers to rethink product design, with participating policies emerging as a core strategic and credit-supportive pillar.
With alternative investment yields fading and bond returns under pressure, insurers are reshaping portfolios and leaning on capital markets, increasing vulnerability to earnings shocks.
Actuaries are examining how quantum error correction breakthroughs could sharpen nat cat models and parametric pricing, though the technology would bring new risks.
