Centro de Documentacion de Fundación MAPFRE - Market discipline in life insurance : does public risk disclosure encourage less risky management actions?

Notes: Sumario: The study analyzes whether public risk disclosure under Solvency II reduces risk-taking by life insurers. Using data from 58 German insurers (20162023), it finds that changes in solvency ratios affect premium growth, surrender rates, and management decisions. Lower solvency leads insurers to adopt more conservative strategies to avoid negative customer reactions. A dynamic model shows that transparency can promote safer management, though its effectiveness depends on disclosure design and market conditionsRelated records: En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 17/11/2025 Volumen 92 Número 4 - noviembre 2025 , p. 909 - 949Materia / lugar / evento: Solvencia II Seguro de vida Gerencia de riesgos Riesgo asegurable Mercado de seguros Otros autores: American Risk and Insurance Association
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