Health and accident insurers
Health and accident insurers often have considerable assets in the form of capital investments. In terms of investments, they are also faced with many legal and regulatory requirements.
Our services for health and accident insurers encompass the following:
- Developing and optimizing of the investment strategy (asset liability management), taking into account the Swiss Solvency Test (SST), and the risk profile of the insurer according to art. 43 KVAV
- Preparation of investment regulations and guidelines gin cooperation with the client and in accordance with art. 45 KVAV
- USupport in the asset manager selection, taking into account client-specific criteria, fees, and legal requirements according to art. 44 KVAV
- Monitoring of the investments as an essential part of the investment process (investment controlling)
- Legal advice on the complex requirements in the institutional asset management
Life and property insurers
Life and property insurers need to balance return, risk and regulatory guidelines. In addition, the constantly changing risk profile as well as the efficiency of investments must be monitored.
We assist life and property insurers in all issues regarding the professional investment of their assets:
- Periodic evaluation of the risk profile from the economic and regulatory standpoints
- Evaluating the risk profile with regard to the requirements of Swiss GAAP FER 41
- Establishing and adjusting the risk/return-optimized capital structure (investment strategy)
- Governance check regarding best practice
- Preparing and examining asset management contracts
- Ongoing monitoring of return and risks
- Regularly checking compliance with regulatory guidelines (investment guidelines for insurance companies, KVV, etc.)
Building insurers
The cantonal building insurance is obligatory in the majority of the Swiss Cantons. Normally, cantonal building insurances are public companies that invest in various funds with different investment strategies and restrictions.
We assist building insurers in all issues regarding the professional investment of their assets:
- Evaluating and adjusting of the investment strategy (asset liability management)
- Assisting in the implementation of the strategy (e.g. selection of global custodian, defining of mandate structure, revising of investment guidelines, asset manager selection etc.)
- Professional investment controlling (evaluation of the investment results and peer group comparisons of total assets and asset managers, proposing of measures, recommendations, etc.)
