Analytical Risk Models for Regulatory Compliance

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target="_blank">LifeRisks Portal <span></span> </a> <p class="small-text">Find modeling tools based on best practice actuarial techniques and medical science</p> </span> <span> <a href="https://www.miuinsights.com/" target="_blank">Miu Portal <span></span> </a> <p class="small-text">Explore analytics and risk insights for the alternative capital market</p> </span> </div> </div> </div> <div class="button-box"> <a href="/about/contact-us" class="btn-red"> <span>Contact Us</span> </a> </div> </nav> </div> </div> </div> <div class="bottom-nav"> <div class="container"> <div class="wrapper"> <p>Insurance Solutions</p> <p>Formerly Moody’s RMS</p> </div> </div> </div> </header> </div> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <div> <div id="block-rms-content"> <article role="article" about="/solutions/regulatory-affairs" typeof="schema:WebPage"> <span property="schema:name" content="Regulatory Affairs" class="hidden"></span> <div> <section class="banner-third-level adjust-banner banner-service-detail " > <div class="bg-img wow fadeIn" data-wow-delay="0.3s"> <img src="/sites/default/files/content/paragraph/banner-third-level/2021-02/regulatory-affairs.jpg" width="1440" height="440" alt="Regulatory Affairs" loading="lazy" typeof="foaf:Image" /> </div> <div class="v-middle-wrapper wow fadeIn" data-wow-delay="0.4s"> <div class="v-middle-inner container"> <div class="v-middle"> <div class="inner-text"> <h1>Regulatory Affairs</h1> <h5> Confidently and effectively optimize capital allocations and rating plans with Moody's RMS models, designed to meet the quality requirements of heavily regulated insurance markets. </h5> </div> </div> <div class="col-image"> <div class="content-with-image"> <div class="img-wrap"> </div> <div class="content-inner"> </div> </div> </div> </div> <div></div> </div> </section> <section class="intro-section " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Partner With Reliable Experts</h2> <p>Whether you are a (re)insurer, broker, rating agency, or insurance regulator, you can trust that Moody's RMS models provide high‑quality analytical insight and are designed with the required levels of quality and support in mind. This is crucial for meeting the standards under Europe’s <a href="https://www.eiopa.europa.eu/browse/solvency-2_en">Solvency II</a>, U.S. regulatory reporting (including <a href="https://content.naic.org/cipr_topics/topic_riskbased_capital.htm">RBC</a> and <a href="https://content.naic.org/cipr_topics/topic_own_risk_and_solvency_assessment_orsa.htm">ORSA</a>), state-specific ratemaking approvals such as the Florida Commission on Hurricane Loss Projection Methodologies, or <a href="https://www.iaisweb.org/page/supervisory-material/insurance-capital-standard">IAIS’s new ICS framework</a>.</p> <div class="button-box"> </div> </div> </div> </section> <section class="col-three-with-text" > <div class="container wow fadeInUp" data-wow-delay="0.5s" > <div class="row three-col-wrap"> <div class="col-lg-4 col-md-6 col-sm-6 col-xs-12 content-column"> <h4>(Re)insurers and Intermediaries</h4> <p><p>Whether you are subject to Solvency II reporting, specific U.S. state insurance department submissions, or other regulatory requirements – we understand that a quality model, detailed documentation, and validation efforts are key. We are here to support you throughout the process.</p></p> </div> <div class="col-lg-4 col-md-6 col-sm-6 col-xs-12 content-column"> <h4>Financial Supervisors and Regulators</h4> <p><p>Model approval processes require your attention to detail. Moody's is here to directly provide you with the necessary information and subject matter expertise on emerging risks that may cause you concern.</p></p> </div> <div class="col-lg-4 col-md-6 col-sm-6 col-xs-12 content-column"> <h4>Rating Agencies</h4> <p><p>Modeled output is only as good as its underlying data – you appreciate that as well as we do. We are here to help you understand what sits behind the input feeding your rating assessments.</p></p> </div> </div> </div> </section> <section class="cards-containers-with-icons no-padding-bottom " > <div class="container"> <div class="intro-box green-border align-center"> <div class="intro-box green-border align-center wow fadeInUp" data-wow-delay="0.4s"> <h2 class="h3">What Can You Expect From Us?</h2> </div> </div> </div> <div class="content-box"> <div class="bg-img bg-white"></div> <div class="container"> <div class="row column-wrapper no-gutters"> <div class="card"> <div class="content-outer"> <div class="content-wrap "> <h4>A Specialized Team</h4> <p>Leverage our specialized Moody's government and regulatory affairs team that understands the insurance‑specific regulatory landscape and maintains direct contact with supervisory agencies such as <a href="https://www.eiopa.europa.eu">EIOPA</a>, various national supervisors, the <a href="http://www.naic.org">NAIC</a>, individual state insurance departments, and rating agencies, as well as Moody's RMS regulatory advisers such as <a href="http://www.gtlaw.com">Greenberg Traurig</a> and <a href="http://www.kdmpc.com">Kearney, Donovan, and McGee, P.C.</a></p> </div> </div> </div> <div class="card"> <div class="content-outer"> <div class="content-wrap "> <h4>Solvency II Documentation</h4> <p>In a highly regulated industry, count on Moody's products to be fit for purpose: quality, up to date, and with the right features for model validation. Most importantly, the necessary model insight, in the form of specific Solvency II documentation, all available on our <a href="https://support.rms.com/">client portal</a>.</p> </div> </div> </div> <div class="card"> <div class="content-outer"> <div class="content-wrap "> <h4>U.S. Catastrophe Model Approvals</h4> <p>We help you meet the standards required for the model approval process. Moody's can provide information on documents to submit with rate filings, ORSA submissions, and RBC calculations. We can also assist with state‑specific model approvals such as the <a href="http://www.sbafla.com/methodology">Florida Commission on Hurricane Loss Projection Methodologies</a>, Louisiana hurricane interrogatory, and South Carolina questionnaire.</p> </div> </div> </div> </div> </div> </div> </section> <section class="intro-section " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Spotlight</h2> <div class="button-box"> </div> </div> </div> </section> <section class="slider-image-with-text image-reverse" > <div class="container wow fadeInUp" data-wow-delay="0.4s"> <div class="column-wrapper"> <div class="slider"> <div class="item " data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/testimonal-items/2021-02/climate-change.jpg" width="568" height="416" alt="climate change" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Climate Change</h4> <div class="inner-content"> <p>In 2021, climate change is a priority for regulators worldwide. Moody's closely follows and actively collaborates on many initiatives.</p> <p><strong>Bank of England:</strong></p> <ul><li>Upcoming <a href="https://www.bankofengland.co.uk/news/2020/november/the-boe-is-restarting-the-climate-biennial-exploratory-scenario">Climate Biennial Exploratory Scenario</a></li> <li>Published <a href="https://www.fca.org.uk/publication/corporate/climate-financial-risk-forum-guide-2020-summary.pdf">guidance on how to approach and address climate-related financial risks</a> together with the jointly established <a href="https://www.bankofengland.co.uk/climate-change/climate-financial-risk-forum">Climate Financial Risk Forum (CFRF)</a></li> <li>Release a <a href="https://www.bankofengland.co.uk/prudential-regulation/publication/2019/a-framework-for-assessing-financial-impacts-of-physical-climate-change">framework for assessing financial impacts</a></li> </ul> </div> <span class="remaining-text"> <p> of physical climate change for insurance industry practitioners</p> </span> </div> </div> </div> <div class="item " data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/testimonal-items/2021-02/climate-change_0.jpg" width="568" height="416" alt="Climate Change" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Climate Change</h4> <div class="inner-content"> <p><strong>EIOPA:</strong></p> <ul><li>Climate change‑related <a href="https://www.eiopa.europa.eu/browse/consultations-and-surveys_en">public consultations</a></li> <li>Sensitivity analysis of climate change‑related transition risks, specifically referring to the latest Moody's<a href="https://www.rms.com/blog/2020/12/11/european-flood-and-climate-change-examining-the-potential-impact-on-insured-losses"> study on future European flood risk</a></li> </ul><p><strong>IAIS:</strong></p> <ul><li>Draft Application Paper on the Supervision of Climate-Related Risks in the Insurance Sector will be playing a key role to help ensure some level of consistency across the globe, and the various approaches will offer leeway</li> </ul> </div> <span class="remaining-text"> <p> in assessing and monitoring risk from climate change within broader regulatory frameworks</p> </span> </div> </div> </div> <div class="item " data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/testimonal-items/2021-02/hurricane.jpg" width="568" height="416" alt="Florida Commission" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Florida Commission on Hurricane Loss Projection Methodologies</h4> <div class="inner-content"> <p>The 2021 submission window for hurricane loss projection methodologies is well underway. Initial submissions have been provided to the <a href="https://www.sbafla.com/methodology">Florida State Board of Administration</a> (SBA). (Contact the SBA for in-progress versions of all modeler submissions.) The professional team will be on-site during the month of April, and final acceptability under the 2019 Hurricane Standards should be coming by May 2021. </p> </div> <span class="remaining-text"> <p></p> </span> </div> </div> </div> <div class="item " data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/testimonal-items/2021-02/RM-US-Wildfire-4.jpg" width="720" height="480" alt="Wildfire" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Moody's RMS Wildfire Model Report in Collaboration with NAIC-CIPR and IBHS</h4> <div class="inner-content"> <p>Wildfire losses in the U.S. have been increasing sharply over the past few years, and Moody's has been deeply engaged with the regulatory community to provide insight and analytics to tackle this growing problem. </p> <p><a href="https://www.rms.com/offer/wildfire-mitigation">Download the white paper</a> coauthored by the NAIC’s Center for Insurance Policy Research, Moody's Insurance Solutions team, and IBHS to explore the benefits and costs of wildfire resilience strategies in the western U.S., and how economically effective wildfire risk reduction measures could be applied in the context</p> </div> <span class="remaining-text"> <p>of insured property exposures.</p> </span> </div> </div> </div> </div> <div class="button-wrap"> <span class="pre-btn"></span> <div class="dots-outer"></div> <span class="next-btn"></span> </div> </div> </div> <div class="spotlight-overlay"> <div class="content-wrap"> <div class="inner-wrap"></div> <div class="close-btn"></div> </div> </div> </section> <section class="intro-section no-margin-bottom " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Stress-Test Resources</h2> <p>Moody's regularly collaborates on developing insurance stress tests and provides readily available instructions to complete them with Moody's insurance solutions.</p> 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