This specialised course explores advanced insurance mechanisms, with a particular focus on state-backed guarantees and insurance association guarantee schemes. Participants will gain a deep understanding of how these frameworks function to protect policyholders, stabilise the insurance market, and mitigate systemic risks. The course examines regulatory contexts, risk-sharing models, and practical applications across different types of insurance, including life, health, property, and liability.
Through case studies and practical analysis, attendees will learn how to design, evaluate, and implement insurance strategies that incorporate guarantee mechanisms, ensuring both compliance and enhanced risk management practices.
By the end of this course, participants will be able to:
- Explain the role and importance of state and association guarantees in insurance markets.
- Evaluate guarantee mechanisms across life, health, and property insurance.
- Understand the regulatory and legal frameworks governing guarantees.
- Assess the financial and risk implications of guarantees on insurers and policyholders.
- Apply advanced strategies to align insurance practices with national and association-level safety nets.
This course is ideal for:
- Insurance professionals and underwriters.
- Risk managers and actuaries.
- Compliance officers and regulatory affairs specialists.
- Financial advisors working in insurance and reinsurance.
- Professionals in insurance associations or supervisory bodies.
The course uses a combination of expert-led presentations, real-world case studies, regulatory analysis, and interactive discussions. Participants will evaluate international models of guarantee schemes and apply insights to practical insurance scenarios.
Day 5 of each course is reserved for a Q&A session, which may occur off-site. For 10-day courses, this also applies to day 10
Section 1: Introduction to Insurance Guarantees
- Definition and purpose of guarantee mechanisms.
- Distinguishing between state guarantees and association-backed guarantees.
- Historical evolution and role in protecting policyholders.
Section 2: State Guarantee Systems
- Models of state insurance guarantees in different jurisdictions.
- Financial backstopping and government interventions.
- Advantages and challenges of state-backed frameworks.
Section 3: Association Guarantee Schemes
- Functions of insurance associations in guarantee provisions.
- Funding models: pre-funded vs post-funded schemes.
- Case studies of guarantee associations in Europe and North America.
Section 4: Regulatory & Legal Frameworks
- Global and regional regulations governing guarantees.
- Supervisory authority roles and enforcement practices.
- Impact of Solvency II, NAIC, and other regulatory models.
Section 5: Strategic Applications in Insurance Practice
- Integrating guarantees into insurance product design.
- Risk-sharing strategies for insurers and policyholders.
- Future trends: digitalisation, cross-border insurance, and systemic risk protection.
Upon successful completion of this training course, delegates will be awarded a Holistique Training Certificate of Completion. For those who attend and complete the online training course, a Holistique Training e-Certificate will be provided.
Holistique Training Certificates are accredited by the British Accreditation Council (BAC) and The CPD Certification Service (CPD), and are certified under ISO 9001, ISO 21001, and ISO 29993 standards.
CPD credits for this course are granted by our Certificates and will be reflected on the Holistique Training Certificate of Completion. In accordance with the standards of The CPD Certification Service, one CPD credit is awarded per hour of course attendance. A maximum of 50 CPD credits can be claimed for any single course we currently offer.
- Course Code PO5-121
- Course Format Classroom, Online,
- Duration 5 days
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