Today, all eyes are focused on the Federal Reserve’s monetary policy decision. The Federal Open Market Committee is widely expected to deliver a 25 basis point rate cut for a third straight meeting. That would take the Fed funds rate to a range of 3.50% to 3.75%. Market watchers will follow Chair Jerome Powell’s post-policy meeting press conference for clues on next year’s interest rate path. Market participants will also scrutinize the Fed’s quarterly “dot plot” in its Summary of Economic Projections, whic ...

1 截至2024年末，全国65岁及以上的老年人口22023万人，占总人口的15.6%，已进入深度老龄化阶段。 个人养老金发展现状 为应对我国老龄化加速演进带来的挑战，早在2022年国务院办公厅印发《关于推动个人养老金发展的意见》，正式确立个人养老金制度作为养老保险体 系"第三支柱"的核心地位，通过"政府税收优惠+个人自愿参与+市场化专业运营"的模式，填补养老保障体系的短板。 2022年11月，个人养老金制度率先在36个城市（地区）启动试点，2024年12月正式向全国范围内推开。 据人力资源和社会保障部最新数据，当前全国个人养老金开户人数已突破7000万户，参与热情持续升温。产品供给端同样呈现多元化扩容态势。 截至目前，全国个人养老金产品目录内在售产品共计926只，涵盖四大核心类型：储蓄类产品466只，以国有大行和股份制银行的专属定期存款、大额存 单为主。 保险类产品118只，包括专属商业养老保险、分红型养老保险等。 正文： 基金类产品305只，是"养老专属版"，购买费率有折扣、且可享受税收优惠，涵盖权益类、混合类、债券类等多种类型。 理财类产品37只，以低风险的固定收益类产品为主，形成了"稳健为主、多元互补" ...

Core Insights - DUAL Group has partnered with CyberCube to enhance its underwriting capabilities and provide better value to clients and brokers [1][2] - The collaboration aims to integrate DUAL's underwriting expertise with CyberCube's advanced analytics and modelling tools, facilitating quicker decision-making in a complex risk environment [1][2] - This strategic partnership is focused on growing the cyber insurance market profitably and advancing the overall resilience of the cyber insurance industry [2][3] Company Overview - DUAL Group, established in 1998, employs over 1,750 individuals across 21 countries in Europe, Asia-Pacific, and the Americas [3] - The company emphasizes leadership and sustainability in its vision, aiming to create actionable value for clients through investments in people, technology, and partnerships [3][4] Technology and Analytics - DUAL will leverage CyberCube's analytics for daily underwriting operations and catastrophe modelling, utilizing tools such as Portfolio Manager, SPoF, Account Manager, and Attritional Loss Model [2] - CyberCube specializes in software-as-a-service (SaaS) cyber risk analytics, quantifying cyber risk in financial terms through a combination of analytics, data, AI, and human expertise [4] Industry Context - The partnership reflects a broader trend in the insurance industry, where companies are increasingly embedding cyber risk analytics into their workflows to enhance decision-making and risk assessment [5]

本报（chinatimes.net.cn）记者吴敏 北京报道 "那就像一场梦，工位旁边的同事，昨天还一起加班吃泡面，第二天因为公司上市，突然就成了百万富 翁。"二十年前亲历了所在公司上市造富一幕的张健，至今回忆起来仍觉恍如昨日。员工持股计划，一 度被视为中国保险业激励核心人才、实现利益绑定的"金手铐"，承载着无数人实现财富梦想的期待。 从20世纪90年代首开先河，到2008年监管叫停、行业冰封，再到2015年政策重启、走向规范，三十年 间，员工持股计划既是造富神话的摇篮，也是纠纷不断的战场。 另一位从业者王霞告诉记者："当初说是'合伙'，感觉是把我们当成了自己人，谁能想到现在连本金都 要不回来。"她手持一纸泛黄的"股权"凭证，却已在漫长的维权路上奔波了数年。 近期，随着阳光保险、泰康保险等机构再度推出新一轮持股计划，这一机制重回公众视野。作为一种制 度安排，员工持股计划本质上是将员工从"打工者"转变为"合伙人"，使其在承担风险的同时共享企业成 长的红利。但这副"金手铐"，也在百年人寿等诸多案例中显露出其锋利的一面。它既是公司治理现代化 的标志，也是考验企业长期经营的试金石。 风险伏笔 20世纪90年代初的深圳 ...

The UK’s Financial Conduct Authority (FCA) has confirmed changes aimed at simplifying its insurance rules and reducing expenses for insurers, while preserving suitable protection levels for smaller commercial customers. This move is designed to provide “flexibility and responsibility” to insurance companies, allowing them to determine how often they review their products and how much continual professional development (CPD) is undertaken by staff. The FCA has indicated that further adjustments will be ma ...

Core Insights - ICEYE and Munich Re's Risk Management Partners have formed a global collaboration to enhance ICEYE's natural catastrophe solutions, particularly in flood risk management [1] - The partnership aims to integrate ICEYE's flood solutions into Munich Re's Location Risk Intelligence Platform, allowing for better evaluation and management of climate-related risks [1][2] Integration and Features - The integration will enhance real-time flood risk analysis and reporting capabilities, enabling stakeholders like banks and insurers to make informed decisions during flood events [2] - Starting January 2026, ICEYE's Flood Archive and Flood Early Warning solutions will be available through the Events feature of the Location Risk Intelligence Platform, allowing users to monitor both historical and ongoing flood events [3] Data and Offerings - ICEYE will be the first commercial provider to deliver precise event data to Munich Re's platform, providing instant access to flood severity forecasts and measurements [4] - Additional offerings from ICEYE, including Flood Rapid Impact and Wildfire Insights, will also be available for resale by Munich Re to its global clientele [4] Strategic Importance - The alliance aims to create a scalable model for data-driven hazard and damage analysis, addressing the increasing frequency and severity of natural catastrophes [5] - The integration is expected to provide comprehensive insights into natural disaster exposure, enhancing active risk management for businesses [6]

LONDON, Dec. 10, 2025 (GLOBE NEWSWIRE) -- Verisk (Nasdaq: VRSK), a leading strategic data analytics and technology partner to the global insurance industry, announced today an expansion of its strategic collaboration with KYND to bring enriched cyber risk intelligence to the insurance market. KYND’s cyber risk insights are now integrated into Verisk’s Rulebook platform, which supports pricing, underwriting and distribution services for all major classes of business. By combining Verisk’s global insurance e ...

Core Viewpoint - Aegon is relocating its headquarters from the Netherlands to the U.S. and rebranding as Transamerica to enhance its position in the U.S. life insurance market [1] Group 1: Company Strategy - The relocation and rebranding are part of Aegon's ambition to become a leading player in the U.S. life insurance and retirement sectors [1]

Aegon used its Capital Markets Day 2025 to lay out plans to become a leading US life insurance and retirement group and to shift its head office and legal seat to the United States, a transition it aims to complete by January 1, 2028.Following the completion of the re-domiciliation process, the holding company, Aegon Ltd., will be renamed Transamerica Inc., while the business units will continue to operate under their current brands.The firm noted that its decision to relocate its head office and legal domi ...

Group 1: Company Overview - Principal Financial Group (NASDAQ:PFG) has over 145 years of experience in the financial services industry, employing nearly 20,000 workers across 27 countries [4] - The company specializes in 401(k)/403(b) administration, annuities, disability insurance, and retirement solutions, benefiting from consistent growth in assets under management and a strong global clientele [4] Group 2: Financial Performance - Principal Financial Group has $1.8 trillion in assets under administration and boasts a 16-year streak of dividend growth [3] - The company anticipates annual non-GAAP EPS growth of 9-12%, driven by strong Q3 2025 performance and cautious capital allocation [3] - Management is optimistic about a capital return of $1.4-$1.7 billion, which includes $700 million to $1 billion in share repurchases [3] Group 3: Market Analysis - Morgan Stanley has increased its price objective for Principal Financial Group from $83 to $87 while maintaining an Underweight rating, citing higher life insurance earnings than share-price reactions suggested [2] - The property and liability market is expected to undergo a softening cycle by 2026 [2]