Investmets and solvency

Insurance companies must invest insurance premiums that they collect from the insured in a secure and profitable manner.

However, when aiming for maximum returns, insurance companies must ensure that their solvency is not at risk. Insurance companies must have adequate solvency capital, which acts as a risk buffer. Solvency requirements are based on EU-legislation (Solvency II directive).


The Financial Supervisory Authority ensures that the solvency of Finnish insurance companies is at the levels required under law.