Capital management in UK insurance focuses on optimising the quantity and quality of capital under Solvency II, ensuring that firms maintain sufficient buffers while still delivering attractive returns to shareholders and supporting growth. Finance, actuarial, and risk teams work together on capital planning, reinsurance optimisation, investment strategy, and potential capital actions, using tools such as internal models, stress testing, and risk‑adjusted performance metrics to inform decisions and satisfy both regulatory and rating‑agency stakeholders.
With domestic non-life profit slipping, the Japanese giant is leaning harder on US and Brazilian growth
The company has reported a 98.0% combined ratio, record free reserves and its best investment return in more than a decade
Timing aligns with a notable shift in underwriting performance
Most ratings endure severe climate losses, weaker diversification raises strain
North America Commercial and Global Personal led the way as AIG boosted net premiums written and tightened its combined ratio
