Top nine insurance industry issues in 2009

1. Risk management in the wake of the financial crisis
   • Maintaining adequate capital and surplus
   • Liquidity risk management
   • Effective risk management
   • Valuation
   
   
2. Back to basics
   • Solvency
   • Improving property and casualty claims
   
   
3. Cost reduction
   
   
4. Changes in sales and distribution
   • Declines in business volume
   • Speed to market
   • Changes in customer focus and related operating models
   
   
5. Investment management function effectiveness
   
   
6. Privacy and information protection
   
   
7. IFRS
   
   
8. Regulatory reform
   
   
9. Economic and tax policy agenda