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The insurers who are carrying out life insurance (on this indicator very much
Inflationary processes) have strongly affected. The Bulgarian government plans
To increase minimal requirements to the size of the capital of insurers in it in
Ten times. In Hungary the insurance companies should hold 40 % technical
Reserves in cash, bank deposits or short-term
The governmental securities. In Chile indicators of the maximum operate
Relations of obligations to own capital 15:1 for insurers,
Carrying out life insurance, and 5:1 for other kinds of the insurance
Business. In Poland and Brazil requirements to solvency are expressed in
The difficult formulas connected with volume of collected awards. In Poland it is required
To have the size of the capital and free reserves at a rate of 18 % from volume
The collected awards, and deduction at least in 10 % from net-award on
To reinsurance. In Brazil it is necessary, that a net wealth exceeded 20 % from
Average volume collected net-awards for the last three years of activity.
Branch of life insurance from other insurance business. Everywhere,
Except Brazil, it is forbidden to insurers to lead insurance simultaneously
Life and other kinds of the risks which have been not connected with a life. For the various purposes
There should be different companies. In Chile it is authorised to overcautious persons
To deal both with life insurance, and with other kinds of insurance, but
The account should be spent separately.
Intermediaries (brokers and agents) can work in all spheres of insurance with
Permissions of the regulating authorities. For brokers in Hungary it is required to have
The minimum capital in 5 million forints and to carry out insurance payments. In
It is required to Poland, that intermediaries have been founded in territory of Poland and
Had special deposits. From the Polish and Chilean insurance brokers also
Specialised expert examination passage before procedure is required
Licensings. In Brazil as much as possible admissible percent are established
Commissions both for brokers, and for agents.
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