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Insurance Solutions

Formerly Moody’s RMS

Partner With Reliable Experts

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 Solvency II, U.S. regulatory reporting (including RBC and ORSA), state-specific ratemaking approvals such as the Florida Commission on Hurricane Loss Projection Methodologies, or IAIS’s new ICS framework.

(Re)insurers and Intermediaries

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.

Financial Supervisors and Regulators

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.

Rating Agencies

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.

What Can You Expect From Us?

A Specialized Team

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 EIOPA, various national supervisors, the NAIC, individual state insurance departments, and rating agencies, as well as Moody's RMS regulatory advisers such as Greenberg Traurig and Kearney, Donovan, and McGee, P.C.

Solvency II Documentation

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 client portal.

U.S. Catastrophe Model Approvals

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 Florida Commission on Hurricane Loss Projection Methodologies, Louisiana hurricane interrogatory, and South Carolina questionnaire.

Spotlight

climate change

Climate Change

In 2021, climate change is a priority for regulators worldwide. Moody's closely follows and actively collaborates on many initiatives.

Bank of England:

of physical climate change for insurance industry practitioners
Climate Change

Climate Change

EIOPA:

IAIS:

  • 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

 in assessing and monitoring risk from climate change within broader regulatory frameworks
Florida Commission

Florida Commission on Hurricane Loss Projection Methodologies

The 2021 submission window for hurricane loss projection methodologies is well underway. Initial submissions have been provided to the Florida State Board of Administration (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.  
Wildfire

Moody's RMS Wildfire Model Report in Collaboration with NAIC-CIPR and IBHS

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.    

Download the white paper 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

of insured property exposures.

Stress-Test Resources

Moody's regularly collaborates on developing insurance stress tests and provides readily available instructions to complete them with Moody's insurance solutions.

Back To Start
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Blog
Climate Change – What’s the GIST

U.K. PRA 2019 General Insurance Stress Test – Climate Change Scenarios

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Prudential Regulation Authority
Report
U.K. PRA 2019 General Insurance Stress Test – Global Nat Cat Scenarios

Bank of England, Prudential Regulation Authority

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EIOPA
Report
EIOPA Insurance Stress Test 2018

Stress tests are one of the regular supervisory tools used to assess the resilience of the insurance sector to possible adverse developments.

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Learn More About Moody's RMS Regulatory Affairs

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