This page provides an overview of the legislation governing market access for insurers, as well as the accompanying guidance we have prepared.
Supervision of insurers and market access in the Netherlands is governed by the Financial Supervision Act (Wet op het financieel toezicht – Wft). The Wft stipulates that insurers must have authorisation to operate. The authorisation requirement and the supervision of insurers are based on the European Solvency II Directive (2009/138/EC). DNB is responsible for issuing authorisation and exercising prudential supervision of insurers. The Netherlands Authority for the Financial Markets (AFM) is responsible for supervision of market conduct in the Netherlands.
Dutch mortgage funds received €2 billion in new investments from institutional investors such as pension funds and insurers in the first three quarters of 2024, DNB figures show. This is less than in previous years and can be attributed to market interest rates having risen sharply during 2022.
Read more Investor interest in Dutch mortgage funds continues to decline
On Tuesday 5th November from 3:00-4:45 PM CET DNB will organize a physical information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
Embedded finance offers customers the convenience of in-app payment options and on-the-spot insurance. This seamless integration of financial services, available exactly when and where they are needed, makes life simpler. But this innovation also entails new risks.
Read more Embedded finance: striking a balance between convenience and risk in the digital economy
Liability-Driven Investment funds (LDI funds) mainly invest in long-term government bonds and long-term interest rate derivatives. The use of these interest rate derivatives exposes LDI funds to liquidity risks in case of large interest rate fluctuations.
Read more Limited liquidity risks in Euro LDI funds
