Life and non-life insurance
The Life and Non-life Insurance Division of the Financial Supervisory Authority (FIN-FSA) is part of the Department of Insurance Supervision, which has overall responsibility for prudential supervision of the insurance sector. The objective of supervision is to ensure that the entities have the financial means to fulfil their obligations, such as payment of insurance claims and pensions.
We supervise life and non-life insurance companies’ internal governance and risk management procedures. We assess underwriting risks, such as the calculation and adequacy of technical provisions, as well as investment risks.
In addition, we supervise the accuracy of financial statement data of supervised entities in the insurance sector in terms of profitability and solvency. We participate in international cooperation, including within colleges of supervisors, in our own field of competence.
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A summary of the risk assessment of money laundering and terrorist financing for the life insurance sector has been published
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Financial Supervisory Authority’s priorities in 2025 remain the soundness of supervised entities’ governance and responding to uncertainties in the operating environment – summaries of inspection results to be made available on website
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Results of the stress tests for European insurance companies have been published
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Amendment to Regulations and guidelines 1/2011 Submission of electronic supervisory data of entities operating in the insurance markets
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Regulations and guidelines of standard 1.5 on the supervision of financial and insurance conglomerates have been repealed
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Financial sector's capital position as at 30 June 2024: Sluggish economic growth and geopolitical tensions have maintained the financial sector's risks at a high level – capital position has remained strong
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Subdued economic outlook is weakening the financial sector's operating environment – real estate market risks particularly increasing
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Public warning to Pohjola Insurance Ltd for non-compliance with time limits under Workers’ Compensation Act and provisions concerning system of governance
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Finnish financial sector has so far withstood the effects of the coronavirus pandemic well - operating environment remains uncertain, however
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Financial Supervisory Authority extends the validity of its profit distribution recommendation until 1 January 2021 and clarifies expectations related to capital and liquidity buffers
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The Validation service and Reporter portal will have service breaks on week 39 | EBA EIOPA ESMA National reporting (Virati)
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Survey of the functioning of the Reporter Portal | EBA EIOPA ESMA National reporting (Virati)
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Invitation to Reporting Webinar | EBA EIOPA National reporting (Virati)
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The Validation service and Reporter portal will have service breaks on week 22 | EBA EIOPA ESMA National reporting (Virati)
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ICT-Register of Information reporting released into the Validation Services and Reporter Portal – reporting reference date 31.3.2025 | EBA EIOPA ESMA National Reporting (Virati)
Valvottavien taloudellinen tila ja riskit julkaisuarkistossa Kaisussa
Statistics on life insurance companies
Statistics on non-life insurance companies
Selvitykset henkivakuutusyhtiöiden kohtuusperiaatteen toteutumisesta julkaisuarkisto Kaisussa
Selvitykset lakisääteisen tapaturmavakuutuksen kannattavuudesta julkaisuarkisto Kaisussa
Selvitykset liikennevakuutuksen kannattavuudesta julkaisuarkisto Kaisussa
Vahinko- ja henkivakuutusyhtiöiden valvottavatapaamiset
18.4.2018 Solvenssi II raportointi -webinaarin esitysmateriaali (pdf)
Yleistä Solvenssi II -raportoinnista (video)
Säännöllisen raportoinnin muutosanalyysi (video)
11.12.2017 valvottavatilaisuuden esitysmateriaali (pdf)