Industries
Solvency II in flux, the AI Act reaching into pricing, DORA and the ESRS on top: the supervisory load of an EU insurer, monitored continuously and routed to actuarial, risk and distribution.
As of:
Insurers sit under EIOPA at EU level and the national supervisor (BaFin in Germany, FMA in Austria). Unlike banks they carry two worlds at once: the prudential regime of Solvency II and the conduct regime of IDD and PRIIPs — both in motion right now, each on its own timeline.
Horizon Scanner monitors those sources continuously, grades every publication by relevance and routes it to the function that owns it — with an audit trail. Below is the regulatory load on a European insurer's desk today.
The frameworks on your desk today — each links to the full briefing.
Time horizon
The amending directive (Directive (EU) 2025/2) applies from 30 Jan 2027: more proportionality for smaller undertakings, new long-term-guarantee rules and adjusted reporting. Accompanied by an Insurance Recovery and Resolution Directive (IRRD).
With risk pricing in life and health insurance classified as a high-risk use, phased obligations land on actuarial and underwriting — data governance, logging and human oversight of the model.
The Omnibus package postponed the timeline and narrowed scope. Who reports in which wave — and against which (still-draft) revised ESRS — is the question you need to settle now.
What Horizon Scanner does
Guidelines, Q&As, technical standards and national interpretation run through one pipeline instead of four bookmarks.
Solvency II matters to actuarial and risk, IDD/PRIIPs to distribution and product governance — automatically by topic.
Every classification and routing is logged — the trail that belongs in the ORSA report and the supervisory dialogue.
Yes, and the Solvency II review widens it: more relief for low-risk-profile undertakings. What does not shrink is the number of sources you must watch — which is exactly where continuous monitoring earns its keep.
For risk pricing and assessment in life and health insurance, yes — it is listed in Annex III as a high-risk use. We monitor the delegated acts and guidelines that pin down the scope of those obligations.
It applies from 30 Jan 2027 — but the Level 2 and Level 3 measures (delegated regulations, technical standards, EIOPA guidelines) appear before then and continuously. Those run-up publications are exactly why you read along early and continuously.
Both are monitored. POG requirements and the duty to ask for sustainability preferences are routed to product governance and distribution — details in the IDD briefing.
Twenty minutes. Concrete sources and routing from your firm.
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