The low interest rate environment
08 November 2021
In this paper, we address the key challenges that insurers face in the continuous decrease of interest rates over the past decades. We discuss how to deal with the current low interest rate situation in terms of risk, capital and balance sheet management, and investment strategies. We also zoom in on the impact of product development, where we observe a clear reduction of guarantees and a transfer of risks towards the customer.
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About the Author(s)
Takeshi Niwa
Freek Zandbergen
Sihong Zhu
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