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In the current debates at the EU countries, there is a confusion between pension design and financing plan #HClux

P.Devolder has demonstrated that a combination between DC/DB and payg/funding systems is the best way to mitigate pension risks #HClux

The new capital requirement for life insurance industry is definitively an obstacle for annuities market #HClux

In the insurance industry, If commission are banned, some useful products for family will just disappear #HClux

The banned commission system in Finland killed the brokerage industry for individual insurance #HClux

P. warland " the kid is a protection for the regulator not for the client" #HClux

Free port combined with life wrapper will generate new opportunities in term of succession planning #HClux