Market segment outlook : Germany life insurance

<?xml version="1.0" encoding="UTF-8"?><modsCollection xmlns="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-8.xsd">
<mods version="3.8">
<titleInfo>
<title>Market segment outlook</title>
<subTitle>: Germany life insurance</subTitle>
</titleInfo>
<name type="corporate" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080441371">
<namePart>A.M. Best Company</namePart>
<nameIdentifier>MAPA20080441371</nameIdentifier>
</name>
<typeOfResource>text</typeOfResource>
<originInfo>
<place>
<placeTerm type="code" authority="marccountry">usa</placeTerm>
</place>
<issuance>monographic</issuance>
<place>
<placeTerm type="text">New York</placeTerm>
</place>
<publisher>A. M. Best Company</publisher>
<dateIssued>2026</dateIssued>
</originInfo>
<language>
<languageTerm type="code" authority="iso639-2b">eng</languageTerm>
</language>
<physicalDescription>
<form authority="marcform">print</form>
<extent>4 p.</extent>
</physicalDescription>
<abstract displayLabel="Summary">The report analyses the German life insurance segment, whose outlook has been revised to Stable due to improvements in the interest rate environment and resilient premium income. It highlights the sector's ability to offer competitive crediting rates and maintain profitability as reinvestment yields improve. The document also notes stable regulatory conditions, with the upcoming Solvency II review expected to provide capital relief. Overall, the report anticipates modest premium growth, stable surrender rates and continued transition toward capital-light products</abstract>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080570590">
<topic>Seguro de vida</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080564254">
<topic>Solvencia II</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080611248">
<topic>Inversiones financieras</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080578527">
<topic>Tipos de interés</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080581886">
<topic>Primas de seguros</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080637996">
<geographic>Alemania</geographic>
</subject>
<classification authority="">341</classification>
<location>
<url displayLabel="electronic resource" usage="primary display">https://www3.ambest.com/ambv/sales/bwpurchase.aspx?record_code=362706</url>
</location>
<recordInfo>
<recordContentSource authority="marcorg">MAP</recordContentSource>
<recordCreationDate encoding="marc">260227</recordCreationDate>
<recordChangeDate encoding="iso8601">20260301215625.0</recordChangeDate>
<recordIdentifier source="MAP">MAP20260006864</recordIdentifier>
<languageOfCataloging>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</languageOfCataloging>
</recordInfo>
</mods>
</modsCollection>