Prudent risk management in times of uncertainty

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      <subfield code="a">The uncertain economic environment poses major challenges for insurers and reinsurers. Very different scenarios, some with grave consequences for insurance business, currently have to be considered in risk management. The upheavals in the financial markets are taking their toll on insurance and reinsurance undertakings, above all on the investment side. Historically low interest rates are burdening the business model, particularly in the case of savings and pension products and long-tail liability covers. Against this background, the renewal of reinsurance treaties at 1 January 2013 takes on special significance</subfield>
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