Problems with unit-linked products

Unit-linked insurance products have recently given rise to a number of regulatory issues. These cover:

• mis-selling;
• the responsibility of the insurer on the one hand and the intermediary on the other;
• the impact of Solvency II on the calculation of technical provisions;
• the liberalisation of the classes of asset which these policies may link to;
• in the absence of harmonisation of conduct of business rules, whose country's rules apply to which products?
• governance questions.

To find out more about these questions please read our e bulletin.