Core Viewpoint - The forum highlighted the importance of integrating commercial insurance into the second and third pillars of the pension system to achieve high-quality development and sustainability in pension financing [3][6]. Group 1: Commercial Insurance Perspective - The integration of long-term commercial pension insurance and decentralized risk management tools is essential for the effective connection of the second and third pillars of pensions [3][6]. - The development of the second and third pillars requires the expansion of market tools, emphasizing inclusivity and sustainability [3][6]. Group 2: Market Risk Considerations - The concept of risk-sharing is crucial, with a focus on market-oriented tools, particularly Interest Rate Swaps (IRS), which can align better with policy [3][6]. - Strengthening reinsurance arrangements is vital for three main reasons: ensuring stable supply-side support, better risk-sharing in pensions, and facilitating tax incentives through capital reserve reductions in the reinsurance sector [3][6].