Life insurance products are often characterized by embedded options and guarantees. The value of these options and guarantees depends heavily on the prevailing economic conditions.
Examples are the interest rate in case of profit-sharing options or the return on investments in case of Unit-Linked products with a return guarantee. The value of embedded options and guarantees is an integral part of the market value of insurance liabilities. A correct and consistent valuation is therefore essential. Not only from the perspective of good risk management, but also for internal and supervisory reporting.
Related Insights
-
01 June 2026Ortec Finance publishes its first Sustainability reportOrtec Finance publishes its first Sustainability Report. It covers the reporting years 2024 and 2025.
-
28 May 2026Captive Insurance vs Run-On: What Do the Numbers Say?In blog 6 in the series, we look at some specific case studies to highlight how alternative endgame arrangements can deliver meaningful financial benefits for both sponsors and members.
-
19 May 2026Total Portfolio LensThis report introduces two closely related concepts that fill the gap between traditional SAA and full TPA.
-
13 May 2026Webinar recording: TPA Quick WinsThis webinar explores TPA quick wins – practical steps that can be taken within existing frameworks to start capturing the benefits of TPA.
-
08 May 2026Quarterly Pensions Investments ReviewThe Quarterly Pensions Investments Review is a comparison in expected risk and investment return.
-
07 May 2026Rethinking the Endgame for UK Defined Benefit Pension Schemes
Rethinking the Endgame for UK Defined Benefit (DB) Pension Schemes – Explore our blog series and discover how leading schemes are navigating the changing landscape.
-
06 May 2026Webinar recording: 2026 Ortec Finance Climate ScenariosLearn about the 2026 release of our proprietary climate scenarios, designed to help manage portfolio risk exposure and resilience to climate change
-
01 May 2026Why DB Endgame Decisions Are Inherently Scheme-Specific
In blog 5 in the series, we look at why Trustees and sponsors must consider a number of key factors that will help them to weigh up their options and is why there is no ‘one-size-fits-all’ option when it comes to endgame.
-
01 May 2026Webinar recordings: Access past Quarterly Economic Scenario Outlook videosOur webinars dive into the latest economic outlook and tackle the key topics shaping market conditions and investment outcomes.