Rothesay Life

The insurer at a glance: how large its balance sheet is, what it earns in premium, and how comfortably it is capitalised.

What the insurer owns and owes: the assets backing its book, the technical provisions held against future claims, and the surplus left over.

Whether the insurer holds enough capital: eligible own funds against the regulatory requirement, how that requirement is built, and the minimum floor beneath it.

What the insurer wrote and paid out: premium income, claims incurred, and the underwriting risk capital held against that business.

The claims the insurer has incurred and the reserves it holds against them, including what it recovers from reinsurers and the capital held against counterparty risk.