Benefit reserves

Value arrived at using mathematical methods for future liabilities (present value of future liabilities minus present value of future incoming premiums), primarily in life and health insurance.

Best-in-class investment approach

Investment in companies that deliver the best sustainability performance in their sector.

Block assumption transactions (BAT)

Proportional reinsurance treaties on a clients' life or health insurance portfolio, by means of which it is possible, inter alia, for clients to realise in advance the future profits so as to be able to efficiently ensure the attainment of corporate objectives, e.g. in the areas of financial or solvency policy.