Core Viewpoint - American International Group (AIG) has appointed Adam Clifford as CEO of International Commercial Insurance, effective January 5, 2026, to enhance its global insurance operations and drive growth in various regions [1][2]. Group 1: Appointment Details - Adam Clifford will oversee underwriting, distribution, and business teams across the UK, Europe, Asia-Pacific, the Middle East and Africa (MEA), Japan, and Latin America [1]. - He will report to Jon Hancock, CEO of AIG General Insurance, and will be part of the General Insurance executive leadership team [2]. Group 2: Adam Clifford's Background - Clifford has nearly 30 years of experience in the insurance sector, including seven years at AIG, where he led underwriting teams [3]. - His previous role was as senior vice-president, head of International Retail Insurance at Everest Insurance, managing retail insurance activities across the UK, Europe, and Asia-Pacific [3]. - He has held senior positions at Chubb, including managing director of Chubb European Group, and has experience leading underwriting teams for AIG in London and Singapore [3]. Group 3: Strategic Goals - Clifford aims to drive growth in the international commercial insurance business, increase market share, strengthen broker relationships, attract top talent, and deliver valuable solutions to clients and brokers [4]. Group 4: Recent Transactions - AIG plans to acquire a 35% stake in specialty insurer Convex Group for approximately $2.1 billion and a 9.9% stake in Onex Corporation for about $646 million, with both transactions expected to close in the first half of 2026, pending regulatory approvals [5].

Core Viewpoint - Atradius has received final regulatory approval to underwrite business through Lloyd's Syndicate 1864 starting from January 1, 2026, which is expected to enhance its international operations and access to the Lloyd's market [1][4]. Group 1: Business Expansion - The approval follows an initial "in principle" approval in July and is anticipated to expand Atradius' international operations [1]. - The syndicate will underwrite trade credit risks, initially serving both new and existing customers within the European financial sector [1]. Group 2: Partnership and Services - Atradius will launch the syndicate in partnership with Polo Managing Agency, which will provide turnkey services [2]. - Clients relying on Lloyd's Syndicate 1864 will benefit from access to Lloyd's network of licenses, resources, and financial strength rating [3]. Group 3: Strategic Importance - Atradius stated that operating via Lloyd's provides access to a broad spectrum of regulatory permissions and infrastructure [4]. - The CEO of Atradius emphasized that the approval to underwrite at Lloyd's is a significant step forward, showcasing confidence in their expertise and the strength of their proposition [4].

Market Performance - Hong Kong stocks rebounded from a three-week low, with the Hang Seng Index rising 0.9% to 25,468.78, while the Hang Seng Tech Index gained 1% [1] - The CSI 300 Index on the mainland climbed 1.8%, and the Shanghai Composite Index added 1.2% [1] Company Movements - China Life Insurance increased by 4.3% to HK$28.56, and Li Ning also rose by 4.3% to HK$19.07 [3] - Pop Mart International Group saw a gain of 3.4% to HK$195.70 [3] - ENN Energy declined by 2.4% to HK$69.90, and Techtronic Industries retreated by 2% to HK$89.80 [3] Economic Indicators - The US added 64,000 jobs in November, improving from a loss of 105,000 jobs in the previous month, but the unemployment rate rose to 4.56% from 4.44% in September [5] - Analysts suggest that the US jobs market is cooling but on track for a soft landing, indicating limited urgency for the Federal Reserve to cut interest rates in January [5] - Investors are looking forward to the November US inflation data, with core consumer prices expected to rise by 2.9% year-on-year, down from a 3.02% increase in September [6]

Market Performance - Equity benchmarks experienced a decline, with the BSE Sensex down 239.66 points, or 0.28 percent, at ₹84,440.20, and the NSE Nifty 50 falling 76.85 points, or 0.30 percent, to 25,783.25 by midday [1] - The Sensex opened higher at ₹84,856.26 but lost momentum, while the Nifty opened at 25,902.40, reflecting a cautious market sentiment due to mixed global cues and foreign institutional investor outflows [2] Market Breadth - The market breadth was weak, with 2,501 stocks declining against 1,424 advancing on the BSE, and 139 stocks hitting 52-week lows compared to 80 reaching 52-week highs [3] Sector Performance - Broader indices underperformed, with the Nifty Midcap 100 down 0.49 percent at 59,420.50 and the Nifty Smallcap 100 falling 0.58 percent to 17,165.10 [6] - Sectoral indices also traded lower, including the Nifty Financial Services down 0.63 percent, Nifty Bank down 0.31 percent, and Nifty Next 50 losing 0.36 percent [6] Individual Stock Performance - Shriram Finance led the gains on the Nifty 50, rising 1.43 percent to ₹860.55, followed by State Bank of India up 1.33 percent and Eicher Motors climbing 1.32 percent [4] - Max Healthcare topped the losers' list, dropping 3.42 percent to ₹1,036.30, with other notable declines from SBI Life Insurance, HDFC Life, and Apollo Hospitals [5] Investor Sentiment - Market participants remained cautious due to uncertainty around the US interest rate trajectory and delays in India-US trade talks, although domestic inflows from systematic investment plans provided some support [7]

齐鲁晚报齐鲁壹点记者尚青龙 10月的青岛本该是遍地金黄、粮满仓廪的丰收画卷，但却因罕见的持续阴雨天气，导致土壤墒情严重过湿，农田渍涝风险陡 增。累计降水量较常年同期偏多三倍以上，玉米、大豆等秋粮作物出现大面积倒伏、霉变，轮式收割机械难以进地作业，粮食 晾晒受阻，秋收进度被迫推迟，广大种植户面临减产减收压力，秋粮安全保障迎来严峻考验。 人保财险青岛分公司主要负责人赴平度实地考察灾情，指导抢收、理赔工作 科技人力协同，精准高效查勘 定损速度决定救灾效率，科技成为制胜关键。人保财险青岛公司统筹调配全司资源力量，全面提速灾情查勘定损工作。截至11 月30日，累计出动理赔服务人员1500人次、查勘车辆750辆次，组建由农险骨干、一线查勘人员、乡镇协保员及农业专家组成的 多级联动查勘团队，科学精准核定秋粮总损失2444.97万元。同时投入150架次无人机搭建"空中巡查+地面核验"立体查勘体系， 结合卫星遥感、AI图像识别技术及"耘智保"农业保险APP，实现承保信息快速核对、受灾范围精准评估，查勘效率较传统模式 提升60%以上，定损精准度高达98%，为理赔提速奠定坚实基础。 面对突发灾情，人保财险青岛分公司迅速启动农业保险 ...

#行情 港股主要指数午后拉升，恒生指数涨幅扩大至1%，恒生科技指数涨1.24%，保险、贵金属、半导体概念股普涨。 https://t.co/C5ZrIVLZJe ...

12月17日金融一线消息，重庆市人民政府办公厅印发《重庆市推动"人工智能+"行动方案》，其中提 出，强化金融支撑。引导银行、保险等金融机构开发AI金融产品和服务。推动国有投资基金、社会资 本以市场化方式支持行业语料库建设、智能体与大模型开发等。培育一批耐心资本，鼓励市场化投资机 构为开展场景创新的企业提供融资支持。 责任编辑：王馨茹 责任编辑：王馨茹 12月17日金融一线消息，重庆市人民政府办公厅印发《重庆市推动"人工智能+"行动方案》，其中提 出，强化金融支撑。引导银行、保险等金融机构开发AI金融产品和服务。推动国有投资基金、社会资 本以市场化方式支持行业语料库建设、智能体与大模型开发等。培育一批耐心资本，鼓励市场化投资机 构为开展场景创新的企业提供融资支持。 ...

Core Viewpoint - Sagicor Group Jamaica Ltd is merging with Sagicor Life Inc to form a new holding company, Sagicor Group Caribbean, creating a combined entity valued at US$6.9 billion, consolidating insurance, banking, and investment services across the Caribbean [1][3]. Group 1: Merger Details - The merger will result in a combined entity controlling over US$6.9 billion in assets and generating US$1.3 billion in annual revenues [3]. - Sagicor Financial's ownership stake will increase from 49% to approximately 55% following the issuance of new shares, pending regulatory and shareholder approval [3]. Group 2: Strategic Implications - The merger aims to strengthen competitiveness, reduce complexity, and create a focused platform for digital transformation by pooling expertise, talent, and technology investments [2][6]. - Executives described the transaction as "accretion neutral" for shareholders, with potential benefits from cost savings and revenue synergies [4]. Group 3: Leadership and Vision - Dodridge Miller, former CEO of Sagicor Financial, will chair the new holding company, with Christopher Zacca as CEO and Robert Trestrail remaining CEO of Sagicor Life [5]. - The merger is seen as a pivotal moment in Sagicor Group Jamaica's evolution, enhancing its resilience against climate, economic, and geopolitical shocks [5][6].

2025年12月16日，大理金融监管分局发布批复称，《新华人寿保险股份有限公司云南分公司关于新华人 寿保险股份有限公司大理中心支公司变更营业场所的请示》(新保云字〔2025〕98号)及相关说明解释材 料收悉。经审核，现批复如下： 二、新华人寿保险股份有限公司云南分公司应按照有关规定及时办理变更及许可证换领事宜。 一、同意新华人寿保险股份有限公司大理中心支公司将营业场所变更为：云南省大理白族自治州大理市 经济开发区满江街道大理创新工业园区漾濞路176号-2号(一楼)及176号-3号(三楼)。 ...

Core Viewpoint - Focusing solely on high sales demonstration rates when selecting participating insurance is not advisable, as a high demonstration rate does not guarantee high actual returns [2][12]. Group 1: Sales Demonstration Rates - The sales demonstration rate includes non-guaranteed benefits, which are subject to the insurance company's operational performance and investment results, leading to uncertainty in actual returns [2]. - Regulatory requirements limit the sales demonstration rate for new products with a predetermined interest rate of 1.75% to a maximum of 3.9% or the average investment return over the past five years, whichever is lower [2]. - Older products with a predetermined interest rate of 1.50% may have demonstration rates exceeding 4%, as they were launched before the latest regulatory requirements [2]. Group 2: Customer Returns - The actual return for customers depends on the investment return rate of the insurance company's dividend settlement [2][3]. - In scenarios where the investment performance is the same, products with a predetermined interest rate of 1.75% yield customer returns that are consistently 0.075 percentage points higher than those with a 1.50% rate [3]. - To achieve the same customer return, products with a lower predetermined interest rate (1.50%) require a higher investment return from the insurance company [5]. Group 3: Long-term Operational Strength - The long-term operational strength of an insurance company is crucial for achieving high returns on participating insurance [12][18]. - Factors influencing the conversion of demonstration rates to actual returns include the company's long-term investment capability, market uncertainties, and overall operational strength [13][18]. - Companies with high spreads but significant expense losses may face sustainability issues regarding their dividend levels [14]. Group 4: Evaluating Insurance Companies - When selecting a strong participating insurance company, it is essential to consider historical dividend realization rates, investment performance stability, and operational strength rather than just high demonstration rates [15]. - Key indicators for evaluating the dividend strength of life insurance companies include long-term dividend realization rates, long-term investment returns, solvency ratios, and overall operational stability [15][18]. - The analysis of a specific company, Lujiazui Guotai, shows an average total investment return of 6.1% and an average dividend realization rate of 159.7% over the past ten years, indicating strong performance [19][24].