{"id":1452,"date":"2023-12-26T16:51:50","date_gmt":"2023-12-26T15:51:50","guid":{"rendered":"https:\/\/www.yakoota.fr?p=1452"},"modified":"2024-02-06T15:20:20","modified_gmt":"2024-02-06T14:20:20","slug":"impact-of-solvency-2-on-french-products-design","status":"publish","type":"post","link":"https:\/\/www.yakoota.fr\/en\/blog\/insights\/impact-of-solvency-2-on-french-products-design\/","title":{"rendered":"Impact of solvency 2 on french products&#8217; design\u00a0"},"content":{"rendered":"<section class=\"core-inline core-paragraph\" data-scroll-section><div class=\"container\">\n<p>The Solvency 2 regime has had a significant impact on the insurance market, affecting both the offerings and prices of insurance products. The ultimate goal of Solvency 2 is to enhance policyholder protection by requiring insurers to hold the adequate capital in proportion to the actual risk.<\/p>\n<\/div><\/section>\n\n<section class=\"core-inline core-paragraph\" data-scroll-section><div class=\"container\">\n<p>Solvency 2 has not necessarily increased the cost of insurance, but it has altered the pricing of risk based on the nature or management of the product. Here are some illustrative examples:<\/p>\n<\/div><\/section>\n\n<section class=\"core-inline core-list\" data-scroll-section><div class=\"container\">\n<ul class=\"wp-block-list\">\n<li>The required capital has increased for investments in risky assets.<\/li>\n\n\n\n<li>The required capital has decreased for products that do not offer guarantees, such as Unit-Linked products in life insurance.<\/li>\n\n\n\n<li>The cost of capital decreases for insurers with diversified activities.<\/li>\n<\/ul>\n<\/div><\/section>\n\n<section class=\"core-inline core-paragraph\" data-scroll-section><div class=\"container\">\n<p>Some effects may be perceived as unfavorable in the short term, as they increase the price of products valued by policyholders, such as Euro funds in life insurance or retirement products. However, in the long term, this regime provides more assurances to policyholders that their insurer will be there when needed. It is a security that comes with a price.<\/p>\n<\/div><\/section>\n\n<section class=\"core-inline core-paragraph\" data-scroll-section><div class=\"container\">\n<p>For more details, please <a href=\"https:\/\/www.yakoota.fr\/en\/contact-en\/\">contact us.<\/a><\/p>\n<\/div><\/section>","protected":false},"excerpt":{"rendered":"<p>The Solvency 2 regime has had a significant impact on the insurance market, affecting both the offerings and prices of insurance products. The ultimate goal of Solvency 2 is to enhance policyholder protection by requiring insurers to hold the adequate capital in proportion to the actual risk. Solvency 2 has not necessarily increased the cost [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1167,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Solvency 2 : Policyholder Protection Enhancement cost- Yakoota<\/title>\n<meta name=\"description\" content=\"Solvency 2 impacts insurance offerings and prices, aiming to enhance policyholder protection without necessarily increasing costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.yakoota.fr\/en\/blog\/insights\/impact-of-solvency-2-on-french-products-design\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Solvency 2 : Policyholder Protection Enhancement cost- Yakoota\" \/>\n<meta property=\"og:description\" content=\"Solvency 2 impacts insurance offerings and prices, aiming to enhance policyholder protection without necessarily increasing costs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.yakoota.fr\/en\/blog\/insights\/impact-of-solvency-2-on-french-products-design\/\" \/>\n<meta property=\"og:site_name\" content=\"Yakoota\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-26T15:51:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-06T14:20:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.yakoota.fr\/app\/uploads\/2023\/12\/securite-financiere-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mohamed Baccouche\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohamed Baccouche\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.yakoota.fr\\\/en\\\/blog\\\/insights\\\/impact-of-solvency-2-on-french-products-design\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.yakoota.fr\\\/en\\\/blog\\\/insights\\\/impact-of-solvency-2-on-french-products-design\\\/\"},\"author\":{\"name\":\"Mohamed Baccouche\",\"@id\":\"https:\\\/\\\/www.yakoota.fr\\\/en\\\/#\\\/schema\\\/person\\\/100d4403a14291d61ad1c801dbca18cc\"},\"headline\":\"Impact of solvency 2 on french products&#8217; 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