Eu Gender Directive Annuities

Report And Financial Statements For The Year Ended 31 ...
And the ending of an exemption for insurance policies from the EU Gender Directive, that will take effect in December 2012. retirement annuities to 12% in 2011 from 8% in 2010, and its share of the non-standard annuity market to 27% in ... View Doc

Gender-neutral Insurance - Home - Ernst & Young - United States
On 1 March 2010, the Court of Justice of the European Union (CJEU) ruled rights by adopting a proposal for a directive on promoting gender equality in increase; sales of conventional annuities could fall further. ... Retrieve Full Source

Implementation of the “Insurance Gender Directive” Results of Groupe Consultatif Survey Page 2 of 8 1. Annuities Yes Yes Yes Motor Insurance No No Health Insurance Yes Yes Accident No Yes Long Term Care part of EU, just the economic area. The ... Access Full Source

25 Januari 2012
EU gender directive does not apply to gender discrimination when pricing annuities does not apply to occupational pension schemes. Source: Moneymarketing Jong fonds profiteert meer van actie DNB dan oud fonds 17 januari 2012 De Nederlandsche Bank (DNB) middelde de ... Return Doc

• Studied only gender, no cross-study of other factors • Annuities • Motor • Personal Accident • Medical Expenses • Critical Illness • Long Term Care EU DIRECTIVE Implementation EU Directive Facts Reasons Be neutral Next step ... Fetch This Document

Regulatory Issues For Life And Pensions Insurance
The European Commission has recently proposed the adoption of a directive that would prohibit the gender-specific calculation of life annuities) of this Directive other than assurance linked to investment funds and for the operations referred to in The EU Directive (2002/83) ... Retrieve Full Source

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Court of Justice of the European Union (CJEU) in Test-Achats. The Test-Achats was brought under the Gender Directive and so does not annuities secured through workplace pension schemes outside the scope ... Doc Retrieval

Gender Directive - Financial Services Authority
Gender Directive January 2012 HM Treasury committed to consult on changes to the UK Equality Act to implement the judgment of the European Court of Justice (ECJ) last March which removes the EU Gender Directive Created Date: ... Document Viewer

EU DIRECTIVE 2004/113/EC Article 5 • The use of gender as an actuarial factor in the calculation of premiums and – Annuities – Motor – Personal Accident – Medical Expenses – Critical Illness – Long Term Care. EU DIRECTIVE Implementation ... Fetch Full Source

Use Of Gender As A Rating Factor In Insurance Developments ...
EU Directive - Key Points (1) Prior to Directive, gender rating factor allowed for all insurances Post Directive, no longer allowed for motor, CI and PHI Cyprus For life assurance and annuities, rates must be shown at ... Document Viewer

EU gender directive And Protection Tax Changes
EU gender directive and Protection tax changes – Q&A – 2012 Contents X 2 Q What is the EU gender directive? Q What is changing? annuities and the discounted gift trust market too. Barely one week later, 1 January 2013, providers using the Income minus Expenditure (I-E) ... Doc Viewer

The Impact Of A Ban On The Use Of gender In Insurance On ...
Provision of the EU Gender Directive is invalid as of December 21st 2012 (‘Test-Achats ruling’). 2. Background of the study 4 . II. pension annuities – which convert pension funds into a regular stream of payments from a given age over ... Access Content

CMI Data By Age And gender: Life Assurance And annuities ...
CMI data by age and gender: Life assurance and annuities April 2009 Introduction When underwriting insurance policies, insurance companies base their premiums on a wide EU GENDER DIRECTIVE: UPDATING THE DATA PUBLISHED BY THE CMI Author: ... Fetch Document

The Impact Of A Ban On The Use Of gender In Insurance
The EU Gender Directive of December 13th 2004 (Council Directive 2004/113/EC) provides pension annuities. Most EU Member States also chose to use the opt-out for general (non-life) insurance products. On March 1st 2011, however, ... Read Here

IMPOrtant InFOrMatiOn ABOut The eu genDer DireCtiVe.
LegaL & generaL annuities iMPOrtant inFOrMatiOn aBOut the eu genDer DireCtiVe. Legal & General Assurance Society Limited. Registered in England No.166055 ... Read More

How Insurance Premiums Are Calculated Will Change In December ...
Cover, life insurance, annuities and income protection . Arising from a ruling on a case brought before the Court of Justice of the EU, from 21 (the EU Gender Goods and Services Directive) was intended to achieve equal treatment between men and women in insurance, ... Access Content

Tax Information And Impact Note: EU Court Of Justice Ruling ...
Impact of ruling by Court of Justice of the European Union on drawdown pensions Who is likely to be affected? not be permitted to use gender as a risk factor in ways which result in individual on drawdown pensions and on purchased life annuities in due course and in advance of the ... Retrieve Document

Test-Achats: Are The Days Now Numbered - Punter Southall ...
The EU Goods and Services Directive (2004/113/EC) pension providers to use gender-neutral mortality tables when At present men’s annuities are, all other things being equal, higher than women’s as they are not expected to ... View Doc

EU Gender Directive And RDR Cut-over Dates
As we approach the 21 December 2012 – EU Gender Directive (EUGD) and 31 December 2012 – Retail Distribution Review (RDR) Zurich Annuities 30 December 2012 13 January 2013 6 Top ups to both current and existing Zurich/Sterling legacy plans 7 30 December 2012 ... Fetch Doc

Gender ruling on insurance premiums – what does it mean for me? the case goes back to EU directive 2004/113, retirement income products such as annuities and protection insurance including life insurance, ... Access Full Source