Maximising Value from the In-Force Book

A systematic approach to unlock the in-force opportunities

Life insurance is a mature business and profitability in many markets is still below pre-crisis level.

Making the most of the in-force book can unlock substantial value: 7-10 bps of the reserves in additional operating profit and, potentially much more if effective in-force management becomes part of business as usual. In this paper, we examine the sources of in-force optimization and outline the five guiding principles to seize this opportunity.

Maximising Value from the In-Force Book