Evaluating the Impact of Regulatory Policies and Competitive Dynamics on Investment Performance and Underwriting Profitability in the European Non-Life Insurance Industry

EasyChair Preprint 14455

Abstract

The European non-life insurance industry is profoundly influenced by regulatory policies and competitive dynamics, which play a critical role in shaping investment performance and underwriting profitability. This study provides a comprehensive evaluation of how these factors affect the industry, focusing on both regulatory frameworks and competitive pressures. We analyze the impact of key regulatory policies, such as Solvency II and IFRS 17, on investment strategies and underwriting practices. Additionally, the study explores the effects of competitive dynamics, including market consolidation, pricing strategies, and technological advancements, on industry profitability. Using a combination of quantitative analysis and case studies, the research identifies key trends and provides insights into the ways regulatory and competitive factors intersect to influence investment outcomes and underwriting results. The findings offer valuable implications for industry stakeholders, including insurers, regulators, and investors, by highlighting the need for adaptive strategies in response to evolving regulatory landscapes and competitive pressures. The study concludes with recommendations for enhancing investment performance and underwriting profitability in a complex and dynamic market environment.

Keyphrases: Investment Performance, Regulatory impact, Underwriting Profit, competitive analysis

@booklet{EasyChair:14455,
  author    = {Wayzman Kolawole},
  title     = {Evaluating the Impact of Regulatory Policies and Competitive Dynamics on Investment Performance and Underwriting Profitability in the European Non-Life Insurance Industry},
  howpublished = {EasyChair Preprint 14455},
  year      = {EasyChair, 2024}}