Centro de Documentación y Conocimiento de Fundación Mapfre

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<title>Investing from insurers' perspective</title>
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<publisher>Insurance Europe</publisher>
<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">The document outlines the critical role of insurers as long-term institutional investors in supporting the European Union's strategic goals, including the Green Deal, competitiveness, and sustainable finance. With nearly 9.5 trillion in assets, insurers are uniquely positioned to provide stable, long-term capital due to their liability-driven business model. The report explains how insurers' investment decisions are shaped by liability profiles, guarantees, asset size, and regulatory frameworks such as Solvency II. It highlights barriers like regulatory fragmentation, tax inefficiencies, and accounting rules that hinder optimal investment. The paper also emphasizes the importance of sustainability, ESG integration, and public-private partnerships, offering policy recommendations to unlock insurers' full investment potential and align their portfolios with Europe's long-term economic and environmental objectives</abstract>
<tableOfContents displayLabel="Contents">Executive summary -- Policy action is needed -- Insurers as long-term institutional investors -- Part I: What sets insurers apart? -- Part II: Fundamental factors -- Part III: Legislative and regulatory factors</tableOfContents>
<note type="statement of responsibility">Insurance Europe</note>
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<topic>Ahorro a largo plazo</topic>
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