Trends in the Ownership Structure of US Insurers and the Evolving Regulatory Landscape

The United States insurance regulatory landscape is experiencing broad changes in reaction to noticeable shifts in ownership structure that have resulted in changing conditions in investment markets and the financial services industry. This report explores insurance industry trends and evolving NAIC guidelines designed to support the new landscape. The report includes a review of the ways in which the new rules help address possible concerns with conflicts of interest associated with forms of ownership and control.

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About the authors

Amnon Levy founded Bridgeway Analytics which supports the investment and regulatory community navigate complex capital markets. Amnon has led the development of award-winning quantitative solutions actively used by 200+ financial institutions and their regulators, including 2021 redesigned NAIC C1 bond factors.

Bill Poutsiaka is a senior financial services executive with considerable experience and accomplishments, including successful strategic and operational transformation, as CEO, Chief Investment Officer, and board member for global insurance and asset management businesses.

Scott White is the Virginia Commissioner of Insurance and Secretary-Treasurer of the National Association of Insurance Commissioners (NAIC).  He is also a member of the International Association of Insurance Supervisors (IAIS) Macroprudential Committee. He served as Chair of the NAIC’s Financial Condition (E) Committee from 2020-2022.