Retirement provision for an ageing population : GFIA opinion paper on ageing populations as a global risk

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      <subfield code="a">The world is experiencing an unprecedented demographic transformation brought about by declining birth rates and rising life expectancy. Insurers are the main providers of long-term savings and pensions products, and policymakers should ensure that prudential regulations for insurers do not undermine this critical function. This means that the capital required for life insurance products should reflect prudent consumer protection objectives, but that investments in long-term assets (e.g., infrastructure) should not be discouraged by regulation. Policy measures that aim to protect retirement savers should be balanced and proportionate with regard to the characteristics of the products to avoid undermining the availability of retirement savings products. Only if an environment exists that provides policy stability and ensures flexibility to innovate, can insurers support the design of new products that meet consumers' needs and ambitions</subfield>
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