Life Insurance Agency - The Margin Of Solvency

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What do you mean by Solvency?

 

This is basically the assets of the life insurance agency such as fixed assets and investible assets minus the liabilities of the insurance agency which are the claims to be paid out, payment regarding surrender of the policy and the payments regarding maturity benefits and so on. An insurance company has future payouts to make and calculates its liability based on these future payouts. In India the insurance agencies need to maintain the solvency margin of 150%.However this margin is not having assets 1.5 times the liabilities but the ratio of the actual solvency margin to the required solvency margin is 150%.This measure tells us if the Insurance agency will be there in the future or might face a serious liquidity crunch. However a high value need not necessarily be good .Sometimes the insurance agency might simply hoard cash and not spend this cash in investments of its business mainly cash spent to procure clients. These hoarded funds known as sitting on cash might not lead to profitability.

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