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Prudential regulation and supervision under Solvency II

​The Solvency II regime is a prudential framework for the regulation and supervision of life and non-life insurance undertakings. It is designed to provide a harmonised, risk-based overall prudential framework that promotes internal competition within the EU, effective capital utilisation and the own risk management of the undertakings and, by extension, enhances the protection of insured interests.

With the adoption of the Solvency II Directive1, the solvency provisions applicable to insurance undertakings were reformed and several old insurance directives merged into one.

In Finland, Solvency II applies to all life, non-life and reinsurance companies.

A. Acts, decrees, administrative regulations and general guidelines related to the regulation of the insurance sector; (to be updated later)

FIN-FSA’s regulations and guidelines
EIOPA’s Q&A service

B. The FIN-FSA’s general principles and methods guiding the inspection process, (to be updated later)

C. Statistical data under Solvency II;

D. The manner of exercise of the options provided for in the Solvency II Directive; (to be updated later)

E. Aims of insurance supervision and supervisory tasks and activities (to be updated later).
1) Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II).




8 January 2018

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