<p>We have generally used a continuation of the current environment as our base assumption. But now, with the encouragement of the NY DFS, that is being treated as worse than “Moderately Adverse” scenario. Insurers need to develop a robust set of stress scenarios to test reserve adequacy that include continuation of current conditions and a variety of variations in experience, not just interest rates.</p>

We have generally used a continuation of the current environment as our base assumption. But now, with the encouragement of the NY DFS, that is being treated as worse than “Moderately Adverse” scenario. Insurers need to develop a robust set of stress scenarios to test reserve adequacy that include continuation of current conditions and a variety of variations in experience, not just interest rates.

Moderately Adverse Conditions

A discussion of Risk and Risk Management from the perspective of an Insurance company risk manager. Insurers provide products that help everyone to manage their risks. Here you will hear Dave Ingram and Max Rudolph,  talk about the sorts of things that keep those insurance company risk managers up at night. Or at least they should.

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Management

A discussion of Risk and Risk Management from the perspective of an Insurance company risk manager. Insurers provide products that help everyone to manage their risks. Here you will hear Dave Ingram and Max Rudolph, talk about the sorts of things that keep those insurance company risk managers up at night. Or at least they should.

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Moderately Adverse Conditions

Moderately Adverse Conditions